23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a cash-out refinance mortgage with Quicken Loans on XX/XX/18. The loan officer,  XXXX ( cell phone ( XXXX ) XXXX ), urged me to commit to the loan in order to lock that day 's rate of 4.56 % with no points ( " par '' ) on a 30-year fixed. I told her I wasn't sure I wanted a 30-year, and needed to think it over because a 15-year might work better for me, since the rate would be so much lower ( there was a greater than 1 point spread between the two terms at that point ). She told me ( and she has an easily accessible recording of it ), " we are locking the whole market, as of today, '' meaning that, if later in the process I wanted to change to a 15-year term, it would not be a problem. I asked what the 15-year equivalent to 4.56 % would be as of that day, and she said " 3.375 %. '' Yesterday, when I let her know that I did, in fact, want a 15-year term, she said the rate for 15 years would actually be 4.475 % -- almost identical to the 30-year term -- so " it wouldn't make a lot of sense ''! She said that it would be theoretically possible to get the 3.375 % she had quote me at the time I paid the application fee and locked the rates -- but that I would have to pay {$10000.00} in points to get it!! I was irritated, so she put me on the phone with her director, XXXX, who, like her, refused point blank to say how it could be possible that a 30-year and a 15-year term would have the same rate. XXXX just kept changing the subject to " how much the market has changed in the last month '' -- which SHOULD have been irrelevant since according the the recorded conversation with XXXX we had " locked the whole market '' a month previously. It seems clear that it was a bait-and-switch operation where she TOLD me she was also locking in the rate for a 15-year term in order to get me to commit to a 30-year, but didn't actually do so. Then, when I asked to switch, they just quoted me the new rate for a 15-year, which had gone up a full point in the intervening month. But they wouldn't admit this, just kept evading the question.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase of over {$500.00} on my XXXX charge card ( issued through XXXX XXXX ).  On XX/XX/XXXX, I paid the balance, in full. I tried to use my charge card on XX/XX/XXXX and was unsuccessful. I was unaware that my account had been closed without my permission or any type of notice. This caused a decrease in my credit score by over 25 points. I do not carry a large outstanding balance on any of my cards, and I try to use all of them at lease once every 6 months to keep them open and active. I am trying to maintain a high credit score and low utilization rate so that I can purchase a home in the near future. This is not the first time Comenity Bank has done this to me - closing accounts with no notice. I have lost at least three accounts in this manner, thus causing credit score fluctuations and concerns. 
Through my account, online, on XX/XX/XXXX I received a notice regarding changes in the way they calculate the minimum payment due, as well as changes to their arbitration process. NO WHERE did I read that they were closing my account. 
My personal assumption is that they close these cards regularly so that it incentives customers to continuously open new accounts ( new account = discount on purchase & employee commissions ) ; this behavior can have a negative impact on one 's credit.
Product: Debt collection

On XX/XX/2015, I went to an emergency room due to XXXX XXXX. I called XXXX and was taken to XXXX XXXX XXXX XXXX in XXXX, Texas. While at the hospital, I was told that the VS would be covering the medical bill 100 %. I was released and I never heard another thing from the hospital or Veteran 's Affairs about the visit or any unpaid bills. I was never called nor did I receive one piece of mail concerning a bill or owed amount. I was recently made aware of the hit against my credit as I am trying to get financing for a new home. I called the credit collection company XXXX XXXX XXXX at XXXX and they said they would not delete the credit reporting without the VA paying the bill. I've called the VA several times at XXXX and XXXX and I get transferred several times and then eventually end up on hold for extended periods of time ( >45 minutes ) and nothing has been resolved with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; 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 ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my account and the following inquiries was not cleared by myself but inquiries continue exist on my credit reports. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove all these inquiries from my credit reports
Product: Credit card or prepaid card

I am a chase bank and credit card holder member. I am trying to close my Chase Sapphire Reserve credit card without paying next year 's annual fee of {$450.00}. The bank has closed my account but refuses to remove the annual fee ( for the upcoming year ) and expects me to pay it in full to then have it credited to me in 1 or 2 billing cycles. I have notified Chase of my desire to close the account within 30 days of the annual fee being posted on the account. The card service user agreement does not specify this particular section and does not state that the annual fee would be credited in 1 or 2 billing cycles upon closing the account within 30 days.

It is customary for banks and credit cards to not charge the annual fee upon closing the account within the first 30 days.

I do n't want to pay the fee to then have it refunded for a credit card I will not be using and I do n't want to pay interest rate on a charge that will be refunded. This is unreasonable. I have already paid Chase the outstanding charges ( less than {$20.00} ) for the last open statement.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which XXXX violate the XXXX Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2017 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to  protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide 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 the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Credit card or prepaid card

I have a PayPal account. I am on vacation and have a business back home. I had some unexpected expenses arise and had my employee send the daily deposits to me instead of putting them in the safe. Did not want anyone having my company banking information. So I go to transfer the money to my personal account and get a message that my transaction can not be processed at this time. This was over a week ago. I called the customer service line and was told that they had put a hold on the account for suspicious activity because I hardly ever use this account and that the funds would be released in 72 hours. 72 hours later try to transfer said funds again and get the same message. Call back to the customer service center get told the same thing when asked to speak to a supervisor was told that they couldnt help me either. I am stuck down in XXXX I am from XXXX and I have a busted cv axle in my car that I need repaired. I have to pay extra funds to stay at the hotel because I cant drive my car and now am going to be forced to sleep in my broke down car because they wont release my funds that were deposited in cash for me to get my car fixed. They did not have any sympathy or any explanation all I want is my money so that I can go home
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its 30 days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I send World Finance a certified letter requesting validation because XXXX XXXX keep reporting inaccurate information on my credit reports with XXXX XXXXXXXX XXXX and XXXX. 
I demand validation, instead XXXX XXXX sent me a letter stating it acted as validation. 

All three credit agencies keep allowing this inaccuracy. Simply not demanding the correct documents from XXXX XXXX thats allowing them to hinder my credit maliciously by reporting inaccurately that I owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information on my Experian consumer report. I have made several attempts to resolve this with Experian but have been met with noncompliance and they are still violating my rights as a federally protected consumer. I sent debt validation letters to the following companies after they provided inaccurate information to Experian. The listed companies have yet to respond to my request for validation of these alleged debts. During the validation period Experian and the listed companies have taken detrimental action towards me as they have continued to furnish this information on my consumer report. I would like the information to be removed due to the fact that none of this information has been validated. I have included the United States Postal Service Certified Mail return receipts as proof of my correspondence with these companies. The companies/accounts are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following unauthorized inquiries on my credit report, which I believe to be inaccurate and a result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is incorrect or unauthorized. 

The inquiries in question are as follows : XXXX. XXXX XXXX ( XXXX XXXX ) - XX/XX/year> XXXX. XXXXXXXX XXXX XXXX ( Bank ) - XX/XX/year> XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Bank ) - XX/XX/year> XXXX. XXXX XXXX XXXXXXXX ( Bank ) - XX/XX/year> XXXX. XXXX XXXX  ( Bank ) - XX/XX/year> XXXX. XXXX XXXX ( Bank ) - XX/XX/year> XXXX. XXXX XXXX ( Bank ) - XX/XX/year> In accordance with FCRA Section 605 ( a ) ( 5 ), inquiries that are not authorized by the consumer should not be included on a credit report. I did not authorize these inquiries, and they should be removed immediately. 

Additionally, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and have also submitted an identity theft report, which further supports my claim that these inquiries are fraudulent. 

I kindly request that you investigate these inquiries promptly and remove them from my credit report as required by the FCRA. Enclosed are copies of my identity theft report and any other documentation necessary to support my dispute.
Product: Debt collection

I have a complicated issue with an old charge account. The original creditor was GE Capital, now Syncrony Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for XXXX digits being transposed. We both had GE capital cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after XXXX attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on. Now on my credit reports XXXX is showing XXXX entries for XXXX 2014, XXXX with an {$84.00} payment and a total of {$630.00} charged off. XXXX is showing {$280.00} charged off, and my original XXXX report shows XXXX charged off but also shows {$84.00} payments made in XXXX and XXXX of 2014. I disputed this original account because the amounts and payments did not seem right, and after the dispute XXXX updated the account to paid after collection. When I called Synchrony to ask about the payment history and final account balance, I was told the account was sold and they did not have the records. If I ca n't confirm that this is my correct account information, payment history and status of the account this should net be on my credit report. And that leads to the fact that if there is inaccurate balances on the original then the resulting collection account is also inaccurate. I know an online dispute just checks credit bureau data against what the reporting company has and I do n't believe that any of this information is accurate. Which charge off amount is correct? what interest was charged? are fees included in the amount? was the 10 % discount applied to the right account? was it applied late? 
Additionally, I sent a validation request to XXXX XXXX as soon as I was aware of the collection account. I never received a letter, I found the entry on my credit report. I sent the letter certified mail to the correspondence address listed on the XXXX XXXX entry on my report and it was returned undeliverable. I understand that this may be an old address, but if XXXX XXXX is stating that they sent me a dunning letter to an old address and my failure to respond implies the debt is valid, then the same should apply to my letter and imply it is not validated and should not be being collected on or reported on my credit reports.
Product: Checking or savings account

On XXXX XXXX I purchased a starter for my sons car, it was the wrong part so I returned it. The lady at XXXX said the money would go back on my card in 3-5 business days. When I didn't receive it I called back and they told me to contact my bank, so I did and we filed a dispute. I was told I'd receive a provisional credit if it wasn't settled within 10 business days, I still have not received the credit and when I ask my bank about it now, they say this type of dispute doesn't qualify for the credit. But when I filed the dispute they said I did qualify for it. 
I have a XXXX month old and my XXXX year old grandfather on XXXX living with me and now my power is disconnected because of this. The amount of the XXXX  transaction I disputed is {$190.00}. 
Please help me get my money back.
Product: Credit reporting or other personal consumer reports

They have not provided resolutions to my concerns, so I needed to reach out to them again to obtain a fair and impartial result. I'm already tired of going back and forth to these credit bureaus for almost a year now and no resolution has been provided.
Product: Mortgage

I was offered a forbearance in 2020 because of covid.This was XXXX 2020. XXXX agreed to put the amount at the end of the loan if i made themXXXX payments.on XXXX [ XX/XX/XXXX. 
I did that. they then transferred my account to shellpoint, who demanded all amounts, over XXXX. 
i did not have that. They then said i must modify. and subsequently refused to do so.
Product: Mortgage

I am a XXXX XXXX borrower who has been impacted by COVID19. I requested mortgage assistance from Rushmore back in XXXX and was granted a forbearance. Once my XXXX  started picking up again I attempted to reach an agreement with Rushmore for a repayment plan or possibly to tack the amount I owe to the end of my loan. Rushmore informed me that my only options was a loan modification that I would have to apply for. I informed Rushmore at the time this option was offered that I was barely getting back on my feet and did not have the same income as before. After a month of going back and forth submitting docs and completing the application, Rushmore informed me that I did not qualify for the modification and therefore owed a balloon payment at the end of my forbearance period. 

I have saved everything I possibly could over the last few months and am prepared to make a payment toward the amount I owe and continue to go back to my regular payments immediately if they would just consider other alternatives than to foreclose on my because I do not have the complete amount.
Product: Debt collection

This is to express my extreme dissatisfaction and utter disbelief at the ongoing incompetence demonstrated by your agency in handling my credit report. The persistent existence of fraudulent accounts under your watch is not only intolerable but calls into question the very competence of your organization. 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXX DELETE!!! 
XXXX XXXXXXXX XXXX XXXXXXXX DELETE!!! 
This marks the umpteenth time I am disputing the presence of fraudulent accounts on my credit report. It is beyond comprehension that your bureau, entrusted with the responsibility of maintaining accurate credit information, has allowed these fraudulent accounts to continuously tarnish my credit history. 
I am left to wonder about the quality of work being done at your agency, as it is abundantly clear that the basic task of ensuring the accuracy of the information you report has been woefully neglected. Cease your ongoing failure and promptly remove the fraudulent accounts. I expect this correction to be made without any further delays. 
The presence of these fraudulent accounts on my credit report not only damages my creditworthiness but also erodes any trust I may have had in your agency 's ability to perform its fundamental duties. This is an egregious failure that requires urgent and decisive action.
Product: Vehicle loan or lease

Made a final payment to XXXX XXXX of XXXX on XX/XX/year>. It was a settlement to pay off all of remaining loan. Payment cleared my bank. Today received additional bill for XXXX. Not owed. Called XXXX. I was told manager who agreed to settlement had not completed all on her end but was assured this would be done. I do not believe them. They have the power to keep sending bills then repossess our car.