23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are trying to refinance our mortgage but Ditech has not been providing the information we are requesting them. We are asking them to provide a mortgage rating for our First and Second loan with them. Our Broker, XXXX XXXX, requested a verification of mortgage on XX/XX/2018. He called the following day and was told that they will provide it to them. They fax the balance of our mortgage to him but did not include the mortgage rating he was requesting, he was told that it will be provided in six business days from XX/XX/2018 but they kept sending the same information. We called, last Monday, XX/XX/2018 and was told that it will be mailed directly to us within 3 business days but never received anything. It appears that they our sabotaging our wish to refinance and seek your help to direct them to do their job and provide a mortgage rating for the past 12 months for our first and second loan with them so we can close our refinance transaction. We don't understand why they are doing this to us.
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. 
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 has violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not fernish a account without my written letter of 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 item of information other than records of convictions of crimes which antendates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not fernish any information relating to a consumer to any credit reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2020 an unknown person used XXXX to take {$900.00} from my personal checking account. I filed a dispute concerning this transaction on XX/XX/2020 and have received one reply email from CapitalOne bank noting that I had filed this dispute. I was given a " provisional '' credit of {$900.00} on XX/XX/2020. I have been in contact with Customer Service by phone at XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
On Wed. XX/XX/XXXX I received an email from CapitalOne stating that my claim had been denied because they '' didn't find an error. '' I was told that the dispute had been denied by one department at the bank but that there was an ongoing investigation being done by the bank '' s " fraud '' department and the bank could not tell me how long it would take to finalize their decision about my dispute. 
The email also states that the bank will remove the temporary credit totaling {$900.00} from my account on XX/XX/2020 and any interest and/or finance charges given on that temporary credit. This action would basically result in my not only losing the original {$900.00} I have disputed but I would be liable to repay the {$900.00} provisional credit I have used to pay my rent, medical bills, life insurance, etc.
Product: Vehicle loan or lease

On XXXX XXXX,2016 are vehicle was totaled, the total payoff was {$8200.00}. On XX/XX/XXXX our regular payment came out of our account for {$350.00}, we had automatic payments set up from the beginning of the own. At the end of XX/XX/XXXX our insurance paid {$7600.00} and our GAP Insurance paid {$640.00} in XX/XX/XXXX. On XX/XX/XXXX another payment of XXXX came out of our account. Between car insurance and gap insurance the car was paid off. The loan company sent us a check for {$280.00}. The loan company owes us for two full payments that would be {$710.00}. I spoke with loan company on XX/XX/XXXX and the lady said she would put in for a 5 day request to review my dispute. I called back on XX/XX/XXXX and was told it was up for audit on XX/XX/XXXX. I called back on XX/XX/XXXX and now they are saying it is up for audit on XX/XX/XXXX and it would take another 21-30 days. To me it is simple add and subtract but they keep dragging it out.
Product: Debt collection

I checked my credit report after receiving an alert from the credit bureau that a collection had been added to my account. I check and I have never in my life heard of XXXX XXXX XXXX. I've never received any mail or phone calls about any XXXX XXXX. My number and address has been the same since XXXX. NEVER received anything. I look up the company and it says they are located in Wisconsin. I have never been to Wisconsin a day in my life. I have disputed the collection over 4 times now. Each time I have asked them to send me the information to verify my debt, nothing. It says the account was opened XX/XX/XXXX. I know for a fact I was not in any medical facility on that date and if this is the date that it was sent to collections, again, I have no knowledge of this whatsoever.
Product: Credit card or prepaid card

Capital one has allowed I believe 9 credit cards to be opened in my name over the course of 9 years due to identity theft. 
I had to sue them twice back in XXXX and XXXX for accounts that upon receiving a valid police report and identity theft report, they still claimed it was mine. Upon sueing them, after their 7th investigation, it magically turned out it wasnt mine as i was stating all along. They settled those and the federal lawsuit was withdrawn regarding FCRA Violations. 

Here we are again, in XXXX apparently more identity theft linked accounts opened. I sent the police report and identity theft affidavit to them, and i got the response that it was mine. I sent it 6 months straight and got 6 straight answers. Finally after sending notice of claim for a lawsuit to their ceo and presidents office, they conducted an investigation in XX/XX/XXXX and in XX/XX/XXXX, it was determined that infact, those accounts were NOT mine. They have for a third time violated my rights under the FCRA. 

I want to seek actual damages, statutory damages, treble damages and punitive damages as capital one seems unwilling to obey the law and properly negotiate and compensate me for their repeated violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

When I originally got the loan they made it seem as if it would be paid off in 4 years. The interest rates are ridiculous making it harder to pay off. They offer you insurance just in case you lose your job. When I went without a job they literally required me to file for unemployment to get assistance. This is not how the insurance was described. I have been paying them {$460.00} for over 5 years. Thats {$30000.00}. To charge someone in need that much interest is ridiculous. They draft the payments from your bank account forcing you to pay them. If you try to stop payment to them they just switch up the numbers so the transaction wi go through. I have paid this company way more than I borrowed. At this point I have paid them over 2 times what I borrowed and I want from under this predatory loan.
Product: Credit card

I have been receiving emails about a Brooks Brothers credit card account which I have not opened
Product: Credit card or prepaid card

Last month I had XXXX dollars in fraud on my direct express card ( the card I get my social security benefits on ). Somebody bought XXXX dollars in XXXX gift cards on my account.. They gave me a credit and then last night took the XXXX out of my account and told me they are not responsible and are not gon na pay me back for this fraud. I am a XXXX single mother with a XXXX son and i need that money to pay my rent. It was very obviously fraud. My XXXX app account is now under some weird name and I have had alot of fraud lately on all my accounts. Please help I don't know what to do. We need this money back!
Product: Credit reporting or other personal consumer reports

I had sent a letter requesting that my information be updated, as I had a legal name change that did not show up on my report. I did this on XX/XX/year>, and had no indication that it was being processed or worked on until yesterday, when I got a notification that my credit was updated ( XX/XX/year> ). I saw that my credit was completely gone - only my old name with NO CREDIT. No accounts, no score available, and not even my new name was added. Presuming that it meant that my accounts were transferred to my new name, I tried to make a new account with my new name and I was unable to do so. I called the help line and the automated voice machine ( on XX/XX/year> ) led my search for an answer in circles, and was consistently denied a representative to speak to. I asked on a messaging system through the email ( XX/XX/year> ) and was told that it was because my account was too young - despite me saying that I had no information displayed because of an error on their part. 
I needed this update before the end of the year, and this will only delay this significantly.
Product: Mortgage

As per my complaint, I have reasons to believe that there has been a gross misappropriation of funds that corresponds to my mortgage with Seterus Incorporate,  the loan servicer of my loan. It has come to my attention that a certain portion on my monthly payment can not be accounted for and no explanation of its escrow pay out can not be provided. 
My monthly payment of {$1300.00} has roughly been the same give and take a few dollars depending on escrow analysis, taking into account fluctuations in insurance, taxes, and PMI payments. My principal payment is {$190.00} and interest payment os {$620.00} Currently my taxes through XXXX XXXX  is {$1300.00} per year, taxes {$1000.00} per year, and PMI {$47.00} per month. My total monthly payment should be {$1000.00}. This has been going on for quite a few years and I am yet to receive an explanation or a statement which shows where my escrow payment have been going. I have reached out to Seterus and I have just been transferred from department to department, and as with every department, no one can account for this discrepancy. All these figures can be furnished at your request. I simply have not been able to get anywhere with this company. Thank you.
Product: Credit reporting

" Trans Union Had a glitch in their system that violated the rights of their consumers. Under sections 6.11. As a result, I have been gravely affected and my score is sufering as a result. I also have XXXX derogatory accounts listed by the same collection agency with different charge amounts. These were all listed around XXXX XXXX. These are Repeated collection accounts from XXXX XXXX XXXX. There was no warning ever given, which is also a violation, and I am requesting that all inquiries and collections accounts be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX repeat inquiry XXXX XXXX XXXX repeat inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$200.00}
Product: Credit card or prepaid card

THIS COMPANY IS CHARGING ME UNAUTHORIZED LATE FEES AND CHARGES ON A ACCOUNT I REQUESTED TO BE CLOSED AND BILL I PAID THEY WERE SUPPOSED TO REMOVE LATE FEES WHICH IS HOW THE COHERSED ME INTO PAYING THE BILL FOR CHARGES I DID NOT HAVE AND HAVE YET TO DO SO AND REPORTING ME LATE ON MY CREDIT REPORT I HAVE BEEN AFFECTED BY COVID AND THEY CONTINUE TO DEFAME MY NAME WHEN I HAVE STOPPED DOING BUSINESS WITH THIS FRADULENT COMPANY XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out letters to the credit bureaus requesting a verification of the items listed on my credit report. They responded saying that the information was accurate. 

After further investigation and thorough research I discovered improper inaccuracies on my credit report after their alleged verification. 

Accounts in question : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX XXXX XXXX reporting the same debt twice with two different account numbers. XXXX XXXX XXXX XXXX Account # XXXX XXXX ( Multiple inaccuracies found ) Reporting as : ( Original Creditor : ) Account # : XXXX ( Multiple inaccuracies found ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX ( Multiple inaccuracies found ) XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX ( Multiple inaccuracies found XXXX XXXX XXXX Account # : XXXX ( Multiple inaccuracies found XXXX XXXX XXXX Account # XXXX XXXX* ( Multiple inaccuracies found ) In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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: Credit card

During the height of the XXXX period. The stores accounting department was shut down. During this time I was being billed for a product that had been returned. The issue was corrected and all fees were dismissed, but on my credit report it still reflects late or missed payments
Product: Mortgage

Complaint against Wells Fargo Home Mortgage. Approximately seven weeks ago I applied for a VA home loan. At the time, I informed my mortgage banker I would be retiring and that my income source would change from my employer to several public employees retirement systems, but that my income would actually increase. I provided Wells Fargo the verification they requested that proved what my retirement income was going to be, and that the first payment would be approximately 30 days from my date if retirement. The payment would be retroactive to my date of retirement and continue throughout my life. Six weeks into the application process, I was informed that Wells Fargo guidelines require a deposit of my anticipated retirement check into a bank account before the loan would be fully approved. 
I questioned this requirement, since it meant my loan would potentially not be fully approved until a month, or more, after the scheduled closing date of escrow. Additionally, the Wells Fargo guidelines appeared to violate Title 38, section 36.4340 of the Code of Federal Regulations, which require a lender to consider anticipated income when underwriting a loan. Moreover, 38CFR36.4340 specifically addresses a service members anticipated income and it is to be considered the same as current income. There is no deposit requirement. 
As of the writing of this complaint, Wells Fargo has only conditionally approved my loan pending the deposit of my retirement funds. They maintain their position that full approval will not occur until I submit a bank statement showing the deposit of my retirement checks. Their failure to comply with the above-cited regulation has created a significant hardship for me and my family and I believe Wells Fargo is violating federal regulations. 
Thank you.
Product: Credit card or prepaid card

First National Bank of Omaha did not get my permission to pull my credit then did so anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notice from MYFICO stating that an collection account on my credit report has showed updated. In the update it states that I put in a dispute of the account. I never submitted an dispute with the credit bureaus because this collection company violated my rights as a consumer by not submitted written documentation to me stating that they were placing a collection account on my credit bureau, that being said they never gave me the opportunity to send the collection company a letter of validity. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy. ( violated ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Not only did they violate my rights but several inaccuracies are report in each bureau. In TransUnion the Collection is stating that is is open. In XXXX the collection states closed. In XXXX it states open with a different date of opening. The Fair Credit Reporting Act also states that anything report on a consumer credit bureau must be 100 % accurate and this is not.
Product: Checking or savings account

dispute XXXX i never got my item and chime refuses to issue my money back i have filed a police report
Product: Consumer Loan

I had a car loan at FifthThird bank in XXXX Indiana. I sold the car myself, took cash to the bank and paid off the loan. FifthThird then told me that it is their policy to make the car Title available within XXXX days to XXXX weeks after the loan is paid. This nearly caused the buyer to back out of the sale. I contacted numerous people at their headquarters and was told basically the same thing every time. No. No matter what the circumstance, even with confirmation of the loan pay-off from their branch manager and their computer system, they would not simply pull the title from their files, sign off on the lien and put it in the mail to me within a day or two. Their policy and actions are completely unnecessary and uncalled for. Consumer beware.
Product: Checking or savings account

On XX/XX/23 I deposited a {$200.00} check via my banks mobile app. I have deposited the same check for a few years now on the same account, around XXXX times total. Usually chime releases at least {$200.00} of the check within the business day. However, I am being told they just hold the funds for XXXX business days without reason. Here is the BANKS RESPONSE : Hi XXXX, Thanks for reaching out to Chime Member Services regarding hold on your Mobile Check Deposit. I appreciate you bringing this matter to our attention. I understand that this has been inconvenient for you and I appreciate your patience in this matter. I'm here to assist you. 

Looking at your account, we received your {$200.00} check from XXXX but it has a hold of 5 business days. 

I understand as you said you are depositing the same amount check in your account which was deposited previously. We want to make sure your check doesnt bounce and you don't face any kind of issue. 

Your money will appear in your account by end of day XXXX 5 days after deposit. 

If your check bounces, well send you a notification. 

We use a number of risk-based factors to determine which checks require holds, and this means some checks might have a hold while others do not. 

I hope this info helps! Your satisfaction is our motive. If you have any further questions or need additional information, please don't hesitate to reach out. I'm here to assist. 

Thank you for choosing Chime. 

Best regards, XXXX | Chime Member Services MY RESPONSE : Hello, I have consistently deposited the same check, as you have noted. Based on my account history, there are no red flags, no reasonable cause to believe the funds are uncollectible from the paying bank, no emergency conditions, no check redeposit, the total amount is less than {$5500.00}, and this is not a new account. 

According to ECRF.gov ( Refer to 12 CFR 229 " Availability of Funds and Collection of Checks ( Regulation CC ). '' ) Chime should release up to {$220.00} of this check on the next business day after deposited. 

Thanks for your time, XXXX XXXX I have never had an issue with Chime until now when I deposited this check. I believe they are holding these funds without proper justification.
Product: Checking or savings account

This is the second time ive had to use a third party source just to get a response id like my account closed and check mailed to much shady practices going on if you can just randomly freeze with no red flags and force me to travel all the way to south carolina when you know the account wasnt open in any branch. 
For one your not even telling me the reason why i need to step into a branch. 
Every transaction has my name on it except for the deposit from Texas i specifically told the branch to return. If phone calls are recorded then they should be able to find that phone call but they are selectively choosing which conversations to record and which notes to save.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

With Trans Union LLC has refused to properly verify accounts with Consumers that is reporting unverified account. 

They are reporting information that has hurt my ability to obtain credit. 

They refused to obtain original consumer contract with my signature on it. 

The company 's that I requested that Trans Union verify was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX, sent a certified letter on XX/XX/2023, to PORTFOLIO RECOVERY, addressing the presence of XXXX accounts with identical amounts, which I believe should be removed as required by law. I requested verification of the alleged debt, citing UCC 9-210 and 15 U.S. Code 44. I emphasized my willingness to pay if legally obligated, but I need proper documentation before proceeding, citing The Fair Debt Collections Practices Act ( 15 U.S. Code 1692 ).
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I applied online for a line of credit. Best EggXXXX XXXX XXXX XXXX XXXX XXXX XXXX immediately denied an extension of my credit. This is XXXX violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Product: Debt collection

This is the most crooked debt collection agency on earth if I could sue them I would. I have never been to a hospital and they are saying I owe this amount for hospital stay or something. They have said go to hospital or police to prove. How can I prove if there is no record of myself. I have explained to them that it is wrong person. I have not received any documents from them proving that I was there or that they have any solid proof this is my debt. Thus far all they have is my name and ssn. That being said anyone could get that and claim anything. Where is the proof. I have contacted numerous times by mail and phone. Every time its the same thing they say it is my debt nut give no to clear it up. I have offered to settle for a lower amount if I can get in writing that it will be completely removed and not reported anymore or at least paid in full as agreed. They will not reply or hardly answer phone. If I could get the states attorney ear I would I am sure this company is shady in the way they do business and report. I have never been to a hospital and I owe a hospital a debt. How is that? So they have my number put a false claim on me and extort me for money this is what is going on here. I need in writing a settlement agreement with in writing complete removel from credit report or paid in full or paid as agreed