23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a re-finance with Chase Bank and was pre-approved starting  XXXX   XXXX   XXXX . The amount was $  XXXX  XXXX 3.50 %  XXXX  points 20 Year  Fixed Loan  re-finance. Any information they requested I gave them back within  48  hours. Its started as a phone call and all papers were sent to my house for the mortgage process. All requests for additional info were done via e-mail. On numerous occasions I felt as though they had very little knowledge on the New York process. I requested the loan be transferred to the New York office but I was told it was not needed because they were the main hub. They constantly requested the same information over and over without reading through my e-mails. I was leaving messages on ther e ( Chase  Arizona ) phone lines and not getting calls back as I requested. Instead they would send e-mails or would just not respond. They gave me  XXXX  extension letters going into  XXXX  on the re-finance because they were extremely overloaded. Then in the last 2 weeks of  XXXX ,  XXXX  they called me and sent e-mails stating that they would be closing on my re-finance by end of  XXXX ,  XXXX .   When the end of month came around and I did not hear from them I sent another e-mail and CC 'd their Attorney. On  XXXX   XXXX  their Attorney e-mailed me back and stated that  CHASE  had decided to DENY my re-finance AND HE WAS EVEN PUZZLED. I never received a phone call, e-mail or any form of mail stating I was DENIED.I left numerous messages and finally someone called me back and stated my Debit to Credit ratio was over their guide lines and they decided to decline me.If that was the case why was I not told in th e 1st  month rather than extending me 3 times for a total of 6 months. The average re-finance takes 45 days and here I am 6 months later getting declined.   I then requested what I needed to do to get this done. They gave me a list of items I needed to pay off prior to closing and then they could go ahead with the re-finance. I agreed to all the requesst and then I requested they send me all the new documents and I would sign.   Ah, but there was  ONE  BIG CATCH TO THIS. I would not receive the original rate of 3.50 % as originally stated. I would have to go to a new higher rate of 4.50 % increasing my payments drastically. I have re-financed loans for my  XXXX  homes on 3 different occasions and never did I receive this blatant rate switch game. I feel that when  CHASE  went to set up closing they realized how low the original rate was and they could never give that to me now without it costing them {$30000.00} to pay down the rate.   I reached out to other financial Institutions and they agreed that being declined after 6 months is totally uncalled for and that I had a real good argument in this case. If  CHASE would have declined me in the first month then I could have tried to get that rate from some other Mortgage Company.
Product: Credit reporting or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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

I have a debt collection company XXXX Phone number ( XXXX ) XXXX or XXXX calling me about a debit that is not mine. It is for a company HSBC which has never been on my credit ever. They are just trying to get me to pay for it through their website with out any proof that its mine. When you chat with their virtual person they try and fight with you sayin its your and you need to pay. This is scam to try to get me to pay a debit that is not mine and then run with the money.
Product: Mortgage

I have a mortgage with Freedom Mortgage ( FM ). I did not choose this company. My loan was sold to them. Payment is due the XXXX of each month. I pay {$3200.00} on the XXXX. In XXXX of this year, due to the holiday, my payment was made and accepted on XX/XX/XXXX by FM for {$3200.00}. Later in the month, I received notice from FM my XXXX mortgage payment was not made. I checked my account to see they received my payment. Confused, I spoke to a FM employee on Friday, XX/XX/XXXX, to find out my payment was changed to account for a shortfall in my escrow account. I was charged a late payment because my money was put into a holding account and not applied to my account due to being considered a partial payment. I asked the rep. To seek approval to cancel the late fees for the confusion and stated I would send the {$100.00} the next day. She got approval and we ended the call. I made payment for {$110.00} the following morning, a bit more than {$100.00} she requested. XXXX XXXX, my bank, shows the money taken from my account Monday XX/XX/XXXX. All was done and I made my XXXX payment to cover the new requested monthly payment. On XX/XX/XXXX, using XXXX XXXX, I found my credit score dropped more than XXXX points to find FM reported I was 30 days late on my XXXX payment. I immediately called FM to plead my case and they would not work with me. I made my XXXX payment on time and paid the new difference within one business day of knowing my payment was changed. I would like to have my credit report updated. I could see if I did not send my total payment. In this case, stating I did not make payment when they had {$3200.00} of the needed {$3300.00} for the month of XXXX is just wrong. To repot me for failure to make a payment on their inability to tell me on my call with them on XX/XX/XXXX I was going to be turned in is not good business. They have no heart for the working man proud to say in 30 years I have never been late on a mortgage payment. Help is needed to make this right.
Product: Credit card

A history of systematic credit denial starting in XXXX to the present. Recently, XX/XX/XXXX denied credit, in order to build credit score for home loan approval. I explained to credit counselors of my hopes to purchase a first time home. But, nfcu had other plans in store for me, which shattered any hopes of building my credit and achieving good credit. Instead, nfcu sent me letters falsely accusing me of being an Irate disrespectful customers beginning back in XXXX to the present. In addition, I was contacted by nfcu Security Team back around XXXX, instructing me to never call, or set foot on any nfcu premises, or else??. Most recently, I received a letter, dated XX/XX/XXXX, falsely accusing me of Repeatedly calling nfcu representatives and disrespecting them. I was told by letter to bank on line with nfcu only. No thank you, I immediately responded to the letter false assertions using my mobile app. Nfcu, responded back to me by my mobile app messaging, informing me how I had to resolve any issues, by writing to them only. I was shocked and bewildered at this time. On XX/XX/XXXX, I called nfcu Corporate office, requesting to speak with Corporate management, but, was denied with, no I can not speak with Management, I was told that I was restricted from speaking to anyone in Management, in order to resolvce any issues regarding credit lines, or approvals, or closing my checking and savings accounts. I became emotionally distraught by what I was told. I am a XXXX Veteran and had been banking with Nfcu over 20 years. Now, I find nfcu discriminatory and deceptive practices to be highly offensive and absurd assertions of my communication with their representatives to be unfounded. This financial institution has done a great disservice to the military community. I am requesting that nfcu be sanctioned and that my current good standing, bank accounts be closed with nfcu. This is what happens when banks become to big and go unchecked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted customer service at GM financial and was told they were unable to provided any info or a application for credit about a inquiry on : XXXX : XX/XX/2017 / XX/XX/2017 / XX/XX/2017
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for consumer reporting agencies have assumed the vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been laid on payments for the account. Account Name : Kickoff Account Number Token ( XXXX ) Please investigate, and provide proof with statements, showing that these payments were late if proof cant be provided, I demand these payments be updated on time as they should be as I was never late. Thanks.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX FIN XXXX Balance : {$0.00}
Product: Student loan

I have received many mailers and emails from Sofi over the past year encouraging me to apply to refinance my student loan. When I received an email specifically showing the range of rates I could qualify for, I submitted an application for their pre-approval process, which does not involve a credit check. The rate quoted was above my current interest rate, so on XX/XX/XXXX I called to inquire if the rate could go down before I formally applied. The associate I spoke too informed me that if I provided a statement showing my current balance and interest rate, Sofi would match or beat the rate, and that the pre-approval rate was not locked in. Knowing this, I applied later that day, and on XX/XX/XXXX returned a voicemail from the company stating that my loan was approved and I could electronically sign loan documents. 

The associate I spoke to on this day informed me that the approved rate ( which again, was higher than my current rate ) could not be changed. I asked if there was any way to look into a lower rate, and she told me absolutely not. I asked her to withdraw my application. 

I called back on XX/XX/XXXX ( today ), because I realized that Sofi made an inquiry for my credit report, which would potentially negative affect my credit score. I am not happy that I was told that Sofi would be able to match or beat a rate after applying, and then after the inquiry was told they could not. The associate I spoke with told me she was sorry for any misunderstanding, and that I could re-apply and see if I could get a lower rate again, since my current application had been withdrawn at my request. 

After this call, I received a message through Sofi 's message center stating that I could re-apply and provide the Regulation Z TILA disclosure from any loans that I am currently " shopping for '' and that they would consider matching that rate. 

I realize that the company can not " reverse '' a credit inquiry, so there is very little they can do about this. However, I feel it should be reported, as I was strongly encouraged to apply to receive a better rate. I never would have authorized the credit inquiry had I known that my current rate could not be matched or beaten.
Product: Credit card or prepaid card

AFTER MANY TRIES TO CLOSE MY CREDIT CARD, BANK OF AMERICA WOULD NOT SPEAK TO ME OR MY POWER OF ATTORNEY! IT SEEMS THAT THEY HAVE A PROBLEM WITH MATH AND INTEREST COMPUTATION WHEN IT SHOULDN'T BE BECAUSE I MADE ALL PAYMENTS BEFORE THE DUE DATE? I BELIEVE THAT THEY NEED TO BE AUDITED! i WANT THEM TO RESPOND TO MY LETTER WITH THEIR REASON FOR NOT CLOSING MY ACCOUNT CORRECTLY AND TIMELY. THIS HAS BEEN GOING ON SINCE XX/XX/2021.
Product: Student loan

It is my understanding that we are supposed to receive at least 2 weeks notice before a student loan bill. Mohela sent me a welcome email on XX/XX/XXXX with a link to my account. I clicked the link to view my account and it said that my bill was due that same day ( XX/XX/XXXX ). I reached out to inquire about receiving a bill without notice and never received a response. Instead, 5 days later ( XX/XX/XXXX ), I revived an updated statement adding on the next month bill - doubling the amount that I owe ( XXXX + XXXX ) and considering the XX/XX/XXXX statement past due/delinquent. 

My account should not be delinquent considering I received no notice for the bill.
Product: Vehicle loan or lease

We had fallen behind on payments, and had set up a payment arrangement via the chat feature, and video recorded the entire chat. Once this agreement was in place, the company repossessed the vehicle while my wife was at work. We specifically asked in the chat if there was any further action that we needed to take, and were told there wasnt. Upon speaking with the bank, they notified us that the decision of whether or not this was unlawful was up to upper management, but will not let us speak to a supervisor and has told us that only an attorney can speak to them. We felt that we were promised by setting up this payment arrangement, that we were safe from repossession, and are now finding it difficult to talk to someone who can make this decision within the bank.
Product: Bank account or service

Discover is posting debit card transactions w a posted and transaction date that is always the same, therefore there is no way to match and verify that I actually made the transaction. As the actual transaction date can not be verified as it is always equal to the posted date. I have been reporting this to Discover for over a year w no resolution. as an example they posted a XXXX transaction w a transaction and post date of XXXX but it showed up in my account on XXXX XXXX, this is impossible, potentially illegal, how can I make a transaction in the future at XXXX? This is causing a lot of pain and confusion on transactions. We have no way to validate that the transactions are real and not fraud. Please contact Discover and have them fix this immediately. 
Thank you
Product: Bank account or service

On XX/XX/2017. final payment in full note instrument number # XXXX for settlement and closure in the amount of {$6500.00} for Wells Fargo Credit Card MasterCard ending in XXXX was accepted and received via USPS overnight express number XXXX by Wells Fargo att : CFO XXXX CA XXXX. 
pursuant UCC 3-311 payment satisfied debt in full pursuant UCC 4-302 Wells Fargo had 2 days to return the check if refused. 
pursuant UCC 3-603 ( b ) ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, However payment has not been applied to the mastercard credit card. I request Wells Fargo to credit my mastercard credit card account ending XXXX for settlement and closure accordingly.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute the inaccurate or misleading information on my credit report. Specifically, I request the removal of the following inquiries, as I did not authorize these lenders to make any inquiries. 

XXXX XXXX XXXX Miscellaneous and public record XX/XX/year> XXXX XXXX Miscellaneous and public record XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Someone opened a credit card in my name and I myself did not open the account. The account was opened with JPMorgan Chase. I called them and XXXX and the closed the account and said I should report it as well which is what I am doing now.
Product: Debt collection

XXXX XXXX released private source data information to a third party collection agency that is located in California licensed number XXXX and are not lawful permitted to collection activities in the state of California. Violation of admissible purpose, violation for reporting false and fraudulent information on credit report with out validation and or consent. This collection agenc continues to reach out to me via text message after a cease and desist communication has been sent
Product: Vehicle loan or lease

I made a previous complaint with CFPB however, Westlake has not addressed my specific complaint and has only sent a payment ledger instead of actually reading and addressing my specific complaints. Please take your time to investigate my actual complaint. Sending a response that does not address my concerns will merely result in a new CFPB complaint advising that Westlake is not reading and responding to my complaints. 

XX/XX/XXXX my vehicle, XXXX, XXXX XXXX XXXX, was stolen and totaled. My insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, informed Westlake Finance that my vehicle would be covered and payment would be rendered to complete payoff of the vehicle. I continued to make monthly payments until XXXX and XX/XX/XXXX as I was advised the payment from XXXX XXXX XXXX XXXX XXXX XXXX would have been received to pay off the vehicle by XX/XX/XXXX. However, in XX/XX/XXXX, I received a notice from Westlake Finance advising that I was late two months payments that included the months XXXX and XX/XX/XXXX. I contacted Westlake Finance supervisor, XXXX, on XX/XX/XXXX and apprised her of this matter and advised that my nonpayment was not as a result of my error and to correct my credit report and to authenticate my statements by speaking with XXXX XXXX XXXX XXXX XXXX XXXX and in the interim, I would remit payment XX/XX/XXXX until the insurance company 's payoff check is received and processed by Westlake Finance. XXXX advised, on a recorded line, that she would resolve this issue and she would contact me with a resolution within five business days, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my report that isn't 100 % correct and due to Code 15 U.S.C 1681 Sec. 602 A. states that I have the right to privacy.
Product: Mortgage

I have XXXX properties that I currently have mortgage with Ditech mortgage company. One of the properties have interest rate of 5.5 % and I ask them for help to reduce my interest rate and the are not willing to do that, and keep adding late charges last year ask them to waive late charges they refused. 

On the second mortgage, I have been informed that I do not need to have mortgage insurance, due to the facts that I owned more than 25 % of he property, but they refused to reduce my payment and I am still paying for mortgage insurance, that by law is not required, also ask them to waive late penalties, and they refused. 

I am XXXX years old and do not have funding to hire attorney. Please help. 

Thanks
Product: Credit card

XXXX and XXXX there were Unauthorized payments which added up to {$470.00} plus a current payment of {$82.00} was charged on my First Access credit card without any of my knowledge or my permission or my consent.I contacted the credit card company and filed a dispute but they Closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and Exeter Finance Corp ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service stating that a request for my XXXX credit report had also been made by XXXX XXXX XXXXWH XXXX XXXX XXXX XXXX XXXX MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. 

On XX/XX/XXXX and XXXX, XX/XX/2019 respectively, I received letters from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''
Product: Credit card

I opened a dispute on XX/XX/XXXX for {$16.00} about the XXXX XXXX XXXX XXXX plant that I purchased XX/XX/XXXX that I received that is not as described. I uploaded a document explaining in words of why I was disputing this transaction and pictures to online discover disputes. I did not opened a case immediately because seller promised me that this was the item i purchased and one sign of that is to wait for plants leaf to change color in XXXX which never did and passed the XXXX buyer protection of 60 days or so. It was XXXX and the plant was clearly not what i purchased and did not change to a XXXX color as promised by the seller and thevleaves did not look like puctures and many garden experts said that this was not the XXXX XXXX. I contacted the seller but no response. I have more info and specifics of that in the case i opened with discover online. I was told by XXXX that they can no longer help and to go to my financial institution or Discover credit card company. I opened a dispute to them only to get denied a refund because discover customer service told me that XXXX refuted the dispute and that in order to get a credit from discover is to contact XXXX and work something out and agree for discover to give me a credit itself. I contacted XXXX and told me that they don't have the ability to deny a refund and told me there's nothing XXXX can do to help me since I filed a chargeback with discover and that discover should be helping me on this case. So I contacted discover again and they told me that there is nothing they can do. Discover customer support is requesting me to do something that is unrealistic to contact my merchant for proof that they will refund me to give to discover for them to give me a credit when the merchant is not willing to work with me. Discover should step in and help me when the merchant is not willing to work but discover customer service doesn't want to step in.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$230.00}
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX