23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have requested information about the student load debt that Coast professional Inc has made attempts to collect. I send made a phone call to Coast professional on XX/XX/19 requesting validation of the debt because I would like to the validity. They send me a correspondence to validate the debt but it was not sufficient as the documentation was incomplete. I requested the promissory note for the loan and they we're unable to provide the me with the complete documentation. I do not have information to confirm that this debt is valid or the dollar amounts that are being attempted to be collected from coast professional are valid and accurate. 

All of my attempts to retrieve the requested information have not been successful. They have failed provide validation of this debt for a time period spanning over 30 days.
Product: Mortgage

I am the personal representative for my deceased cousin, XXXX XXXX XXXX. My cousin passed away just over a year ago, XX/XX/XXXX. I was not provided with the Letters of Personal Representative until this XX/XX/XXXX. At that time, XX/XX/XXXX, I started visiting his banks and closing accounts. After closing his main checking account, and after providing evidence of his death, I was notified by TIAA-CREF that all automatic payments into the account from his retirement annuity must be repaid back to them. This seemed to make sense, but using that same reason, it also seemed fair to assume that all payments made from that account, using the money that was deposited to that account by TIAA-CREF should then also be returned to the account, or now, the estate, since the account is now closed. We contacted all those who received money from the TIAA-CREF deposits, and for the most part all have repaid that money to the estate, except OCWEN. OCWEN has failed to pay back {$9100.00} of the money they automatically withdrew from that account. 

XXXX XXXX for their part in this provided contact information to most of the parties that received automatic payments from the account. We had to contact each of those individually, some of which were XXXX XXXX branches, but they seem to have all paid back the money that was withdrawn from the account, except Ocwen. 

Ocwen, who received all proceeds from the sale of the house, states that the payments from the checking account were part of the sale of the house. We feel that Ocwen should have know of any laws concerning automatic payments from the checking account of a person deceased, and should have known they would have to return those funds. 

The house had lost value and was not able to be sold for the amount owed on the mortgage to Ocwen. A short sale was agreed to and when the house sold, all money went to Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion XX/XX/XXXX about unauthorized inquiries they responded 2 days later as verified. There is no way I never had any deals with any company listed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX
Product: Mortgage

Origination Charges on my Loan Estimate continue to change as we get closer to a closing date. I agreed on the initial purchase contract that our interest rate would be locked at XXXX XXXX and XXXX XXXX in discount points. Now as we get closer to closing date, it seems like they continue to increase my origination charges without advising me in any way. This is with Rocket Mortgage and here is the most recent email I sent them over : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Can I get confirmation on the final loan estimate. 

XX/XX/2023 : Origination charges POINTS were XXXX XXXX {$8200.00} XX/XX/2023 : Origination charges POINTS were XXXX XXXX {$9200.00} XX/XX/2023 : Origination charges POINTS were XXXX XXXX XXXX Why are my origination charges increasing as we get closer to closing date? I agreed to the first loan estimate and we locked XXXX XXXX and never agreed to pay any additional points on this loan or was advised that the cost to underwrite this loan will continue to go up. It's very offputting that Section A ( origination charges ) continues to change as we near the closing date and an additional XXXX is being requested 5 days before closing. 

This also appears to violate compliance and an issue to be reported to the Consumer Financial Protection Bureau. Please advise with the correct Loan Estimate document, so I can sign and we can move forward.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I fell victim to a multilayered operation orchestrated by a sophisticated con-artist named XXXX from the delivery company XXXX XXXX  ( the Scammer ) and lost XXXX USD of my hard-earned funds. I advised JP Morgan Chase Bank of this fact on XX/XX/XXXX and I havent received any satisfactory response so far. I would like to say that I am a XXXX citizen vulnerable to scams, and the bank never took that into account. XXXXP Morgan Chase Bank had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices ( GIP ) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm. 
Since XX/XX/XXXX, I have been attempting to resolve this matter with JP Morgan Chase Bank, but they have failed to settle this matter satisfactorily. I have been dealing with JP Morgan Chase Bank in good faith and am deeply disappointed in how they have handled this matter thus far. 

JP Morgan Chase Bank could have done more at the time of the payment to warn me of the risks of scams Taking steps to educate their customers about scams Taking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams Providing effective warnings to customers if the bank identifies a scam risk Taking extra steps to protect customers who might be vulnerable to scams Talking to customers about payments and even delaying or stopping payments where there are scam concerns Acting quickly when a scam is reported to it Taking steps to stop fraudsters from opening bank accounts Banks and other Payment Services Providers ( PSPs ) do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. In broad terms, the starting position at law is that a firm is expected to process payments and withdrawals that a customer authorises it to make, in accordance with the Payment Services Regulations and the terms and conditions of the customers account. 
But, where the consumer made the payment as a consequence of the actions of a fraudster, it may sometimes be fair and reasonable for the bank to reimburse the consumer even though they authorised the payment.
Product: Checking or savings account

Capital One is withholding my deposit. I get early deposit. Usually on Wednesday. It is currently Friday. I waited on hold for nearly 3 hours and they had no information for me. They did not have an estimate, nor explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Depot Credit Services contacted me in XXXX about an alleged late payment on my account ending in XXXX. I did not recognize the purchase amount nor the date it allegedly occurred, and I filed a fraud claim with the card issuer. I also made a ~ {$600.00} payment at that time to bring the account current. Home Depot Credit Services reported negative information to XXXX, XXXX, and XXXX credit reporting agencies. On XX/XX/2022 I received a letter from Home Depot Credit Services notifying me that there is a {$790.00} credit balance on my account. I called the card issuer and requested a check to be mailed to me for the credit balance on the account. At the same time a senior account representative refused to correct the negative information with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax to get the freeze lifted for 30 days on my information. I was given a confirmation number by Equifax. Two days Iater I contacted an agency I am trying to do business with and they told me to hold, when they came back they said the freeze had not been released. I called equifax, I told the person who answered the phone I needed them to check on a confirmation and gave them the number, they said they could not confirm, but wanted me to answer numerous questions. I called the number for the corp. office, told the person i would like to talk to some one in corporate to get them to help me. When I told her what I needed she transferred me to the same customer service and the same thing happened. It has been 4 days as of today contacted the people I am trying to do business with and they again informed me the account with equifix was still frozen. Need this FIXED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with XXXX XXXXXXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my XXXX and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or XXXX to remove the inquiries. 
XXXX Unauthorized Inquiries : XXXX XXXX XXXXXXXX XXXX Santander Consumer USA, XXXX XXXX ( XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX XXXXXXXX, XXXX XXXX ( XX/XX/2022 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the FCRA, Equifax violated my rights under 15 U.S.C. 1681 section 602 A, which states I have the right to privacy. Also 15 U.S.C 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written consent. Below are a list of inquires I did not give my written consent to publish. 

XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX, XXXX ; XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an address showing on my credit report which Ive never lived at. Ive contacted Experian multiple times by phone, by letter asking them to remove these addresses cause Ive never lived there. 

This is causing me to fail security verifications cause Ive never lived at this address which they refuse to remove. Ive called the said companies that they said reported the address to them which they said the received from post off post office said they never submitted this address or had an address change for me. 

Those address are XXXX XXXX XXXX XXXX, IL XXXX Ive never lived here at all ; this address is fraudulent. 

XXXX XXXX  XXXX XXXX, IL XXXX is no longer associated with me
Product: Debt collection

Got served papers of judgement against me for unpaid medical bill. Called the company/attorney office on XX/XX/XXXX and spoke with XXXX. XXXX informed me that my balance owed to them is {$8300.00} and I was required to pay them $ XXXX/month until debt is payed. Explained to him my circumstances & that I wouldnt be able to pay that much. XXXX then proceeded to tell me that if the $ XXXX/month wasnt made that within 90 days my debt will automatically fall into default. XXXX then proceeded to tell me that a lien will be placed on my home and my wages will be garnished. I offered and paid {$50.00} on above date but didnt seem good enough for XXXX. Even though I explained that was my grocery money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/XXXX at XXXX, I received an alert from Experian that a hard inquiry was added to my credit report from XXXX bank in Texas . Additionally, an additional address was added to my personal information, which does not belong to me. I immediately set up a freeze to my credit and additional security alerts. 

On Monday, XX/XX/XXXX, at XXXX, I contacted the Experian credit bureau to dispute this hit to my report. Additionally, I contacted XXXX 's fraud department and reported that this was not me. I also filed a police report with XXXX XXXX, Virginia, where I reside. 

While I do not believe anything has been set up in my name so far, I believe that this was an identity theft or fraud attempt.
Product: Credit reporting or other personal consumer reports

Recently I have reviewed my current credit report and I have found some inaccuracies. This account is hurting my ability to obtain credit. To my knowledge, the credit reporting agencies XXXX, XXXX and experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number XXXX
Product: Debt collection

I am attempting to clean up my past due accounts. I have two left! This week I pulled an updated copy of my credit bureau report so that I would be able to see the amount ( s ) owed and the status of each account. I noticed that one of the accounts had been (   XXXX   XXXX   ) sent to a debt buyer, LVNV Funding. On   XXXX   XXXX   XXXX    I cal led LVNV Funding and spoke to a gentlemen who was very unfriendly when I told him I wanted to take care of my account but after looking at the balance it did not seem accurate. He informed me that my account had been placed with the law firm of   XXXX   XXXX   XXXX   and I would have to contact to law firm to work it out. On   XXXX   XXXX   XXXX   I called   XXXX   XXXX   XXXX   and spoke to a gentleman named   XXXX   XXXX  . I informed him that my account was placed with the firm. He said that the account was placed there in   XXXX   XXXX   and asked why I had n't called before. I told him that I was unaware my account was placed at this firm and I have not received any call or mail notification. He told me it was not his fault that probably threw it away without reading it. I can assure you ( as I assured him ) I have not received any formal notification of the debt being placed at a law firm. I advised M  XXXX   XXXX    that I did not believe the balance was accurate and offered to pay {$300.00} ( balance {$720.00} ). He said they do not settle balances that size and said would take me to court instead. He said that they would add additional fees associated with court costs. I ended the call and called LVNV Funding. I offered them the same settlement. They refused and told me to call the law firm. I am getting nowhere and refuse to be treated like less than a human when I an trying to do the right thing.
Product: Credit card

THIS IS A COMPLAINT AGAINST CREDIT CARDS OF THE CITI BANK. I AM A CITI GOLD CLIENT, I HAD WITH ALL THE PRODUCTS IN WHICH THE CREDIT IS THERE, CITI PRESTIGE, CITI THANK YOU, CITI COSTCO, CITI HOMEDEPOT AND CITI BEST BUY. My MI was stolen. They opened my wallet at an XXXX mall in XXXX, and they took my purse, credit cards and other belongings. I MAKE THE REPORT TO THE POLICE AND AFTER CALLING THE BANK, BECAUSE THE THIEVES TAKE CONTROLS PAYED MY CREDIT ACCOUNTS AND THEY DELIVERED THE MONEY AND LEFT ME WITH AN IMPAGABLE DEBT, BUT YOU KNOW THAT THE REACTION OF THE BANK IS CLOSING ME THE ALL ACCOUNTS, WHEN THE ONLY THOSE WHO HAVE BEEN AFFECTED WERE THE PRESTIGE OF CITI. CITI THANKS AND CITI COSTCO, BUT THEY ARBITRARYLY CLOSED ME ALL THE ACCOUNTS, WHEN THERE IS A POLICY THAT IF THEY ARE NOT CUPABLE OF THE ROBOT, THAT THE BANK IS RESPONSIBLE FOR THE CASE AND DELIVER ALL MONEY TO THE CARD, OBJECT OF XXXX BY THE EXECUTIVES OF CITI BANK, NEVER SENT ANOTHER PLASTIC AND HAVE CLOSED ALL THE CREDIT CARDS WITH HIM, AND HAVE BEEN SO LIEF THAT THEY SAID I HAVE SENT THEIR PLASTIC, HAVE NEVER COME AND LEAVE ME WITH THE DEBT, THE WORST THAN THESE BEARS BEFORE The robot was a customer who paid everything I have consumed and never left with payments and paid the TOTAL DEBIT, AND FOR A STOLE THAT WAS NOT MY FAULT, I WAS CLOSED BY THE ACCOUNTS AND ARE SO ABSOLUTE TO TELL ME YOU CAN APPLY AGAIN. IF AS IF THEM AFTER THE HISTORY THAT HAVE I GAVE ANOTHER CREDIT, THE XXXX OF ALL THIS IS THAT THE MONOPOLY OF THIS COUNTRY IS MANAGED BY CITI BANK, NOW SAY WHO IS GIVING ME ANOTHER CREDIT CARD? I HAVE A CREDIT FOR ABOVE XXXX POINTS AND HOW THEY HAVE THE XXXX NOW I CAN NEVER BE ABLE TO HAVE A CREDIT CARD
Product: Consumer Loan

Volkswagon bought back my XXXX due to the emission scandal on XX/XX/2017 and I was told that they would be paying off my loan to the VW Finance Division within 5 days and that I would be receiving a check for {$1200.00} within 3 days from the buyback appointment. As of today, XX/XX/2017 the check has still not been issued to VW Finance and I gave them the physical address when I called them last week to find out the status and I also asked for a letter stating that I am no longer in possession of the vehicle and needed something stating that the loan has been taken over by VW or i have a XXXX balance so that I can purchase another vehicle and refinance my house. They have told me that they could n't do this and that I need to continue making payments on a vehicle that they have had for almost 3 weeks. The class action lawsuit states that they should have paid off the loan within 5 days of the buyback appointment. According to the representative I am speaking with right now as I file this complaint, there still has not been a checked issued to VW Finance and again I did provide them the physical address for VW Finance. I 've called the claims number over 20 times for other issues pertaining to the VW Scandal and they have been unable to solve the issue. I am currently speaking to XXXX a supervisor in the XXXX claims center. She stated that she did n't have an employee number that i could have and just refer to her as a supervisor in XXXX claims center. So far 35 minutes in my phone call nothing has been accomplished regarding the issues but I learned how to be more patient when been tossed around on hold.
Product: Money transfer, virtual currency, or money service

cashapp is the worst financial app out here. its really the giveaways they do when other customers are struggling to access their own funds. i have a direct deposit thats in my account but hasnt been credited to my balance. they have no phone support or online chat or anyway to inform their paying customers on the situation. its been 24+ hours in a pandemic with them failing completely they should pay serious consequences i want to press charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with Transunion to deleted inquiries from my report that they have not verified. I have made no inquries with the following companies below. I have me attempts to contact the company inwhich all of them with no response. Spoke with Transunion on XX/XX/XXXX at XXXX and they are telling me that XXXX of the companies are not in my report. However, as I explained to them, they are still on my Transunion report from the Transunion website. I would like these inquires to immediately be deleted from my credit report and a copy of the report to my mailing address. The companies in question are XXXX XXXX XXXX via XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX Requested On XX/XX/XXXX XXXX MORTGAGE XXXX via XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Requested On XX/XX/XXXX This is from my actual Transunion credit report. So for them to tell that they dont show them is proof that they did not verify these inquiries and I would like them to be Deleted from my credit report immediately. Thank you
Product: Checking or savings account

Simple bank changed to BBVA Compass on Saturday XX/XX/XXXX. Instructions to access my account with the new bank were sent via email, I followed the instructions and could not access my account. 

On Saturday XX/XX/XXXX I called customer service and was disconnected. 
Called again and my information was taken by a customer service rep. They said to try again tomorrow after being on hold for 35 minutes. 

On Sunday XX/XX/XXXX Tried to login again without success Called customer service and gave up after waiting Monday Took no action Today Still not able to log in Waited 55 minutes to talk to a customer service rep. The rep on Sunday did not get my email correct. Did they send any information to the wrong email address? I dont know. 
They sent me 2 passwords to try via email and I could not get into the mobile app or website to manage my account They also gave me two passwords to try over the phone The app is not allowing logins The website says the link is broken I just want to see how much $ is in this account to take it elsewhere and will have to go to a physical location to do this. Luckily, theres one 5 miles from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 Ive been disputing with XXXX, Experian and XXXX via credit repair services! But to no avail nothing never has happened to my satisfaction!