23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A few weeks past I received an offer letter from Quicken loans in regards to the VA XXXX refinance program with interest rates that were at 3.25 %. I am always interested in getting a better rate to lower payments and long term savings so so I called expressing interest and to see if I could get some information on costs and timing. I spoke with XXXX of their mortgage bankers and after discussing the program he informed me he would do the credit check and call me back with the details. I received the call back after about 30 minutes and the banker told me that he found a much better program and it was the best option with the best rate however it was not the streamline loan I sought after and now I would have to pay for an appraisal fee and some others which was not required with the streamline. With Quicken being a large and reputable company I proceeded but with caution expressing my concern for the low breakeven payback and high costs of the loan. The banker ensured me that he used " conservative '' safe numbers for the loan that were high and that these high costs would come down once I received the final loan statement when we were ready for closing. ****The catch here is that I had to pay {$400.00} for the appraisal fee in order to get this rate lock that he stated would probably not hold and I had to do it now. This is my grievance and where I feel he was being dishonest. I was told that the {$400.00} would be returned to me at closing in the form of a credit so it essentially was not a cost to me at all but what I eventually learned was that they use this so that the loanee now has invested in this process with them and use it to make sure that potential buyers do not either change their mind on doing the loan or speak with other mortgage companies. In conclusion I had to pay {$400.00} for the appraisal, {$75.00} for the pest inspection and {$140.00} for a water test that I did not need and when the final loan papers came in when we were ready for closing the costs did not go down as Quicken had promised they would. At this point it did not make sense to complete the process as the investment was too high and any payback period had now doubled. I reached out to Quicken to go over this and in their attempt to resolve they actually made an offer to charge me even more for the loan by doing a 15year instead of the 30year we had been working on. In frustration I felt it was maybe necessary to do what I should have done before which is talk to other lenders about costs and rates and this is where I quickly learned where I had been misled. In summary I ended up getting the same loan I had initially asked for from another lender for about {$2300.00} less that what they were charging. They used the appraisal charge as a lock on me and had no intention of trying to resolve the issues. They then use another group to push an aggressive closing date to quickly get their money. I feel that others need to be warned about Quicken Loans about their tactics especially since they are using VA programs that are supposed to benefit veterans.
Product: Payday loan, title loan, or personal loan

on XX/XX/2023 I got a letter saying I was pre-approved for a personal loan up to {$32000.00} " at 3.87 % interest rate. '' However, when I called in and followed the steps and was given the actual loan offers the rates were all north of 12 %. They said that 3.87 % was jsut the pre-approval amount that how could they be that far off? Thats 3x off. There is nothing in my credit profile that would have caused the rate to be increased 3x. Its XXXX and they know it, there is no way they are giving anyone a personal loan at 3.87 % that is lower than what our federal gov pays on their treasury bonds. This is clearly misleading and they know it is I bet if you did an audit of their loan book you we see that they don't have one loan at that 3.87 % so when they advertise that it's knowingly misleading.
Product: Debt collection

Account Number XXXX Condition Paid Responsibility Individual Current Balance XXXX Original Balance XXXX Limit 0 Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Charge account Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Account closed by consumer Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone # : XXXX
Product: Credit reporting

XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2024 someone stole my wallet used my information & funds to rent a car.. mechanics bank wont give me close to {$2000.00} back
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$320.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX- 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.
Product: Debt collection

XXXX XXXX XXXX has put {$1700.00} collection on my XXXX report I have sent 3 letters asking to verify debt letting them know Im unaware. They have not responded once asked XXXX to verify or remove on several occasion. They state that debt was verfied I ask how they did not provide answer. Last attemt I sent out was XX/XX/XXXX, to both parties XXXX XXXX came back an stated that debt was verfied on XX/XX/XXXX, How is that when I asked you the next month? Please help me to get this bogus debt removed from my XXXX file there the only agency reporting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 
Dispute letter XXXX OF DEBT TO ORIGINAL CREDITOR The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 45 days, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus several times to fix these inaccurate collections on my account that are not mine, and via sect 609 of the FCRA, the bureaus have not proven belong to me. Many of these  collection agencies are also not licensed and bonded to collect in their state, yet they keep reaching out to me for payment and also are affecting my ability to get a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft SYNCB/XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DPT EDXXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company regarding the deletion of several items on my credit report. They refuse to delete them even tho I have offered to give them proof that the creditors themselves said the debts need to be deleted. Equifax actually has deleted these items before and then placed them back on my credit report.
Product: Credit reporting, credit repair services, 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 -ACCOUNT # : XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # : XXXX, XXXX, XXXX, XXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 antedates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have an account sitting on my credit report that is damaging my credit rating and causing me severe hardships and the inability to move forward in my personal and business endeavors. The debt is listed as {$350.00} I have contacted " Portfolio Recoveries Associates, LLC '' as well as the three ( 3 ) major credit bureaus -on four ( 4 ) separate occasions in the past 6 months requesting that they " validate this debt is mine ''. They have continued to send me letters stating that is has been verified but they refuse to provide any legitimate proof ( signed applications, anything bearing my signature ). They continue to send me a screenshot or statement as proof of debt. The last letter that they sent me was on XX/XX/XXXX which indicated that they purchased this debt from another company on XX/XX/XXXX as an electronic file indicating that I owe this debt and that they do not have any further information prior to the date that they encountered this account. 
This is beyond devastating at this time and I am hoping that you can help me look into this unfair and illegal practice that is causing me such a hardship and barrier in my life. I have perfect credit and payment history ( other that this un-validated blemish sitting on my credit reports ). I look forward to your response and I am ready to submit all of the proof that I have compiled over the past several months of disputing this account. 
Thank you in advance
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX ( XXXXe ) # XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX ) # XXXX, 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.
Product: Credit card or prepaid card

Hello, I contacted Chase this evening to request extension of XXXX XXXX XXXX XXXX XXXX XXXX entitlements to my Chase XXXX XXXX credit card which was opened in XXXX XXXX. I was on XXXX XXXX when the account was opening and remain on XXXX XXXX. Chase informed me that they 're only extending XXXX benefits to accounts that were opened after XXXX XXXX, XXXX, and not existing accounts. 

Reading through the text of the actual law, there 's a compliance deadline of XXXX XXXX, XXXX, but no distinction regarding the applicability of benefits to an account opened before or after this date. Eligibility, which I meet and which can be easily verified via the XXXX website, is all that matters. 

Please confirm that I 'm understanding the rule correctly. If correct, request your assistant in ensuring that Chase complies these requirements. 

Your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has Incorrect personal Information is showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 

Remove Names XXXX XXXX, XXXX XXXX XXXX XXXX Remove Names And addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX It has been over 30 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies
Product: Checking or savings account

My savings and checking accounts were placed on hold leaving me without any money. Automatic payments came in overdrafts my accounts. I'm being charged fees for insufficient amounts. Paying to cash checks now. Paying more for auto insurance because I no longer auto pay. It shows on my credit report the case was closed by the collections agency in 2008. I never received anything notify me as my address changed over 5 years ago from where they sent things. Medical bills originally. Transfered to XXXX XXXX XXXX. Being served by XXXX XXXX XXXX currently. Never notified of transfers or debt at all. Was in XXXX  2 years. The way I was notified is all my funds were on hold XX/XX/XXXX then they sent paperwork to wrong address
Product: Mortgage

This issue, previously logged in CFPB complaints XXXX XXXX XXXX XXXX  should have been resolved by XXXX XXXX XXXX on the first complaint. Bank statements have repeatedly been provided since trying dozens of times XXXX XX/XX/XXXX to get my overpayment back from these fraudulent loan institutions. In complaint XXXX, XXXX XXXX XXXX claimed that due to it's own clerical error, " it was determined the payment posted to another homeowners loan who has the same name ... Unfortunately, the funds were applied to an incorrect loan number, which had transferred to XXXX for XXXX. Please accept our sincere apologies for this error. XXXX  has reversed that payment from the incorrect loan and a check was issued. The check in the amount of {$1100.00} was sent via XXXX on Monday XX/XX/XXXX. '' Let the record show for CFPB records that this is a lie told by XXXX XXXX XXXX as I had stated in the same complaint that " today when I called XXXX XXXX Customer Service Department XXXX XXXX 's recommendation at XXXX, they still have NO RECORD of my loan number. They have NO RECORD of my address. I have NEVER had any business with XXXX  and they have no business with me. '' XXXX  has no record of my name or anyone similar. XXXX XXXX XXXX ... It has been my experience that when bank checks were not received in time, XXXX XXXX XXXX fined me late fees, correct? From my end I have supporting evidence of this, and it is a fact that this has occurred several times due to bank matters outside of my control. Both late fees and monthly payments have all been paid. What happens if a homeowner doesn't pay a fine or misses a payment? I seem to recall the common practice of liens placed on property, and property repossession. Do I want your fraudulent business operation of XXXX XXXX XXXX or XXXX? No. What I want is interest and investigative labor charges proving what XXXX XXXX XXXX has knowingly tried to cover up since XX/XX/XXXX while enjoying interest on my extra payment on a loan that they knew since the beginning of XX/XX/XXXX would be paid by XX/XX/XXXX as admitted by XXXX in the statement " Our records indicate the loan was paid in full on XX/XX/XXXX '' ( complaint XXXX ) XXXX XXXX XXXX continued to enjoy earning interest on MY money, hoping I would forget about their thievery. Note that in the same complaint, the resolution for wrongfully withholding my money and making interest on said funds due to XXXX XXXX XXXX internal clerical errors was " XXXX requires full complete payment of overpaid funds of {$1100.00} plus {$750.00} research fee and at 35 % interest for a grand total of {$2500.00} which XXXX has owed since XX/XX/XXXX. '' I have the check for {$1100.00} which does not include interest and investigative fees to do the job XXXX XXXX XXXX failed to do since XX/XX/XXXX. 

Since XXXX  acquired XXXX XXXX XXXX, the remaining balance XXXX  owes me is {$1400.00}. Complaints will continue to be initiated until XXXX  gives me what is owed to me for interest and research fees. Further delays by XXXX  will result in an additional {$50.00} late fee assessed per month since XX/XX/XXXX in addition to the owed to me by XXXX. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I saw an advertisement for a Citi checking account which offered a bonus reward where you can deposit money into the account, hold it there for 90 days, and then receive a {$750.00} bonus. I thought this offer looked attractive, so I opened a checking account. 

I deposited an initial {$20000.00} into the account and due to personal circumstances, I changed my mind a few days after and decided to keep my money with another bank. So I initiated a request to withdraw the {$20000.00} back to the originating account, but Citi did not allow the transfer to go through. After trying multiple times, Citi locked my account and told me to call their fraud department. 

I called the fraud department and after verifying my identity, they told me to wait 48 hours for more information. I called back many times, and finally after 48 hours they told me that my account has been closed and I will receive my money within 30-60 days. I assume that my deposit and withdrawal triggered a fraud alert since the account was brand new. As I write this, my {$20000.00} is still locked up with Citi and I have no guarantee I will ever get my hard earned money back.