23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage loan through Navy federal, to see how their rates stacked up against my current lender, XXXX XXXX. XXXX XXXX was assigned as my loan officer and we began to move through the process. Rates were rising so XXXX XXXX  said it may be worth looking at locking the rate. My builder provided a {$3500.00} credit for using XXXX as a lender but I wanted to see how the rates compared with NFCU still. 
On XX/XX/2022 I was provide a rate lock quote from XXXX XXXX, Navy Federal Credit Union. The rate lock was for a new construction VA loan, and was quoted at {$570.00} to lock the rate for 120 days. I confirmed with XXXX that the cost to lock that rate for 120 days was only {$570.00}, she confirmed, so I asked her to proceed with the lock. At this point the rate was slightly cheaper to go with NFCU, even with the {$3500.00} lender credit from XXXX. After she locked the rate and presented me with my new loan estimate, I noticed that the cost of the rate lock had doubled, and she also added an origination fee of {$2200.00}. 
I immediately reached out to XXXX and asked her about these cost increase and requested that NFCU honor what I was quoted. After multiple attempts to call and email her, she finally responded and said that she had fixed it. The new loan estimate came back and the rate lock fee was reduce to the {$570.00} but the {$2200.00} origination fee was still on there. I reached out to here multiple times again with no response and finally had to call NFCU. I spoke with her supervisor XXXX XXXX and she said that she was submitting to the pricing desk and would get back with me ASAP. I never heard back from her and then a week later XXXX emails me and says that she disclosed the origination fee when she quoted me, which is completely false and I have the emails to prove it. It has been almost a month of me trying to get this fixed and there is still no resolution. They are requesting loan documents from XXXX XXXX, which I no longer have access to since I dropped them as a lender, in order to match the rate. I am not asking for any type of rate match or lender credit match. I am asking that Navy Federal honor the rate that I was quoted and not stick with me and extra {$2200.00} in closing costs for an error that was made by their loan officer.

I would like for this complaint to be escalated and known to NFCU, in hopes that they can help remedy the situation. In all other aspects of banking I have had no issues with them, but this latest loan process has been an absolute disaster.
Product: Debt collection

I requested the original contract from XXXX XXXX XXXX I signed up for this product or service. I never received this. I requested a signature or my identification of mine showing I used this service, but I never received it. I have never bought anything from this company. This is a third-party company First Credit Services , INC , and I have no idea who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, I have a inquiry from SHELL/CBNA dated XX/XX/2019. I did not authorize this inquiry. Citibank said they would remove the inquiry at the beginning of the year but it is still showing.
Product: Vehicle loan or lease

I bought a car from Tide Water. I brought my old car in for a trade in. The signed papers say they will take my car as a trade in and pay that loan off. They did not pay the loan for the old car off. I call the Texas Attorney General 's office. His resolve was to take the new car back to TIDE WATER, and just drive my old car. The old loan was not counted as late due to TIDE WATER 's illegal activity. I am not sure why they would risk putting this account on my credit report.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 Paid monthly payment of {$410.00} to One Main Financial. Charged {$400.00} Interest and Fees and {$7.00} principal.
Product: Mortgage

On XX/XX/XXXX, my partner and I applied for a home loan refinance. Our plan was to refinance and use the equity in our home to pay off debt. We explained to the loan officer at the beginning of the process that there were gaps in employment, and a drop in income in XXXX and XXXX due to covid. We explained that my partner was laid off in XX/XX/XXXX, and brought back on a limited based in XX/XX/XXXX as a XXXX employee. He came back to work full time in XX/XX/XXXX but remained XXXX. On XX/XX/XXXX we were told that the loan was approved with conditions. Conditions were title, updated homeowner 's insurance, payoff quote from current lender and most recent credit statements for payoffs. Due to hurricane XXXX an inspector was sent to our home to assess the damage. On XX/XX/XXXX we were told that we were required to complete repairs in order to move forward. We completed the repairs, which were costly and out of pocket, and provided paid invoices and pictures of the completed work. On XX/XX/XXXX we were told that my partner 's XXXX income was considered self-employment. We were then required to supply a profit and loss statement and XXXX and XXXX tax returns. On XX/XX/XXXX we were informed that the loan was denied because the tax returns do not show sufficient income. The denial letter also states excessive obligations in relation to income, which is not true based on the fact that most debt was going to be paid at closing. When I spoke to the sales manager and asked for an explanation of income guidelines surrounding covid, she said that income guidelines had become stricter due to covid. XXXX was taken into consideration for me as a XXXX XXXX, but not for my partner who had been laid off during covid and forced to return as a XXXX XXXX. These unfair and deceptive lending practices have left us in worse position than when we started this process.
Product: Debt collection

First credit services/XXXX XXXX XXXX XXXX gym membership was cancelled due to sickness and was told account would be closed and no further charges. They did not close account and placed on collections. 
I have called and try many times to have this removed from my credit report and they did not do it.
Product: Payday loan, title loan, or personal loan

I went to their website yesterday, XX/XX/2017, and attempted to make my payment a day early. Did not show that payment had been processed instead showed " error in processing ''. I clicked the cancel so as not to make a second attempt. When I checked my bank this morning,XX/XX/2017, I found that they had removed TWO payments! I was NEVER notified that there would be two payments deducted. In fact, their website said there was an error in processing and I never received any notification from them. I spent the entire day trying to work with them as we are now left with a negative bank account and {$0.00} dollars. I have NEVER missed a payment with this company! I never had any intentions of making and additional payment. I was merely try to pay my payment a day in advance.
Product: Credit reporting or other personal consumer reports

I had summit a claim stating that I didnt make those inquiries and ask to have them removed.
Product: Checking or savings account

I was unable to open and account with XXXX and Chase and I dont know what the reason was.
Product: Debt collection

Dispute asking for the XXXX of your profile and use XXXX XXXX. XXXX of the Federal Fair Debt Collection Practices Act and request proof of the alleged debts release by the original creditor.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : COLLECTION/CHARGE OFF XXXXXXXX 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: Credit reporting or other personal consumer reports

This is my follow up to express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. I expected a swift and effective resolution, but the process has been marred by incomplete information. Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. I am asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon revieing my credit report to try to obtain a rental property i noticed that there were numerous items on my report that did not belong to me. XXXX acount # XXXX for {$84.00}, XXXX account # XXXX for {$98.00} and XXXX XXXX account # XXXX for {$830.00}. Theses account are not mine and do not belong to me i have never had these acoounts before. I have also made a report with identitytheft .gov report # XXXX please remove these account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, or benefit from any of the inquiries attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still see late payment remarks on my credit history ... I very much appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 
HYUNDAI FINC XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on items are DELETED from other bureaus and I have doubts about their accuracy the reported payment history on items are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
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: Debt collection

An item for a debt of {$1800.00} appeared on my consumer credit report, however the debt was paid on XX/XX/year>.
Product: Checking or savings account

I am writing to formally lodge a complaint against Credit Karma due to their unjust and alarming actions that have plunged me into a state of financial turmoil. On XX/XX/XXXX and XX/XX/XXXX, I received unexpected emails from Credit Karma, notifying me that my account had been compromised and my spend and save account had been locked for supposed protection reasons, yet they failed to provide any further explanation. 

Since then, I have tirelessly attempted to contact Credit Karma 's member services for clarification and resolution. Despite reaching out over XXXX times, I have only received vague responses indicating that my account is under review, with no specific details provided. I was informed that a higher department might contact me via email, but I remain entirely uninformed about the status of my funds. 

Credit Karma has adamantly refused to disclose whether my money has been transferred to my external bank account, sent by mail, or if it has been processed at all. Furthermore, they have denied access to my bank statements and have neglected to provide any timeline for the resolution of this matter. This lack of transparency and communication concerning my financial assets is utterly unacceptable and has caused me immense distress and uncertainty. 

An amount exceeding {$3000.00} was withdrawn from my account, yet I have been treated as if I were the perpetrator. I have been abruptly disconnected from calls and instructed to wait for an email response. I possess recordings wherein the police were present, asking questions, only to be hung up on by Credit Karma representatives who failed to transfer the call to anyone else or to the authorities. 

This situation is intolerable, and I demand swift and transparent action from Credit Karma to rectify the damages inflicted upon me. Furthermore, the ramifications of their negligence have extended beyond mere financial strain. Due to the depletion of my funds, I found myself in a dire situation while out of town, unable to afford basic necessities such as shelter and transportation. This resulted in XXXX XXXX XXXX being called due to my inability to provide a gallon of milk for my child and our consequent need to sleep on the street. As a result, XXXX expressed concern about my child 's welfare and threatened to intervene. This added layer of distress and potential jeopardy to my family is entirely attributable to Credit Karma 's mishandling of my financial affairs.
Product: Credit card or prepaid card

Discover can not account for the origin of the entirety of the balance and refuses to settle the balance of the account.
Product: Credit card or prepaid card

Whilst on vacation in XXXX XXXX in XX/XX/2020, I had dinner at a restaurant ( XXXX ) and the food I ordered was inedible and was sent back, yet the restaurant refused to resolve the issue so I filed a dispute with capital one. Initially they upheld the dispute however in late XXXX/early XXXX the charge was reapplied and I then got a letter from them saying the change was being denied and that if I wanted to reopen it I needed to send them a letter explaining why, which I did, however the charge is still on my account and I have not heard anything from them with regards to my letter. Furthermore, the proof of validity they sent me was completely illegible and did not prove the charge was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting me as a authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 XXXX XXXX reported to ChexSystems that I had an account with them and was closed overdrafted in the amount of {$1100.00}. The address they have listed for me is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

On XX/XX/21 XXXX XXXX Bank reported to ChexSystems that I also had an account with them and was closed overdrafted in the amount of {$1000.00}. The address they have listed for me is XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I have never had any accounts with either one of these banks and I have never lived at either one of these addresses. I have never even been to XXXX XXXX XXXX 

Per CFPB regulations Im demanding that ChexSystems removes this false information off my report immediately! They are negatively effecting my banking relationships by reporting frivolous information. Please help me with these two frivolous reporting. Please Im begging you for your help in this matter.
Product: Money transfer, virtual currency, or money service

I sent a money order to the US department of state with documentation such as birth certificates and marriage documents. Attaches with these documents was a money order for {$320.00} to pay for the application for my wife to come to this country. I was then informed that the money order never arrived, but the documents did I had to pay again this time i used a credit card. I contacted Western Union about the matter and they stated that the money was delivered and someone else cashed the check. I tried to resolve the matter with them as I feel robbed of my {$320.00} which is a lot of income for me as I am retired and XXXX and only receive {$680.00} a month. I will attach a copy of the money order that Western Union provided to me when i tried to resolve the matter.
Product: Checking or savings account

On XX/XX/2018, I opened an account with Bank of the West through an online promotion they have advertised. The promotion is for {$150.00} when opening an any deposit checking account and making a direct deposit of $ 250+ and/or 10 debit card transactions for two months. After successfully opening the account on XX/XX/18, providing SSN, personal information, details, I was happy to have been approved for the account, assigned a Checking Account Number and Routing number. To my surprise, Bank of the West sent me a letter explaining that they would be closing my account due to credit reporting agency. The letter stated that they have closed my account due to Credit Reporting Agency and that they have determined I am not eligible for the account. This is concerning on many levels. Bank of the West collected my information, checked my credit, obtained my SSN, opened my account, checked my eligibility issued an account number, allowed me to create an ACH relationship with another bank, accepted deposits/transfers and then wants to close my account now after continuous activity. Simply unacceptable. 

This is an unacceptable banking practice and I do not believe this is appropriate considering Bank of the West 's initial application approval and subsequent closure WEEKS later. As a result of this closure, I am also ineligible for the account bonus as promised in terms and conditions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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

I applied on my discover XXXX miles card XXXX of 2015. My promotion was double your cash reward for the first year. 

I should have received my cashback double for the whole year on XXXX billing cycle. I suspect when my original account was marked as fraud, XXXX transactions was not authoized by me therefore they have to replace my card with another account number. The original account number is XXXX. They have verified on the phone that i was indeed enrolled with the promotion. With this the promotion might have fallen off on my card. 

I started following up on it on XXXX XXXX, and has voiced my concern about it. they said i should call back and wait for another month for XXXX XXXX billing and it should reflect it. XXXX XXXX came the tell me now to wait on XXXX XXXX billing and it will surely reflect on my double cashback for the year. 

I have spoke with XXXX XXXX on this issue. 
Come XXXX XXXX i called again and i spoke to XXXX and she then transfered me to XXXX a supervisor. She said to wait 72 hours and she will call me back. It has been almost 3 weeks and almost every week i follow up on the status and no answer for it up to now. On XXXX XXXX someone told me that i would receive a call in the afternoon but no call was received. Today XXXX XXXX still no word on the outcome of my cash back award. 

Please help me resolve this matter. I feel i have been wronged already since it has been 4 months that i should have received the cashback promotion on my account.