23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was given a pre-approval and the green light to start looking for a home with Suntrust around XXXX XXXX 2015. Made an offer on a home on XXXX XXXX and the process " started ''. Was given the closing date of XXXX XXXX 2015. Went through all the inspections and the whole XXXX to get this home. My seller is/was starting their process to move and find a hime out of state. On XXXX XXXX I got an email ( not even enough respect for a phone call ) stating that I would not be closing on XX/XX/XXXX. Once I make a few phone calls to figure out why, I find out that my loan officer and the processor forgot about me and never even sent me to underwriting. After my sellers agreed to an extention, and Suntrust " doing everything they can '' I find out on the XXXX of XXXX that I was denied. Reason was because of my self-employment relocation. This is something I told Suntrust the very first day I walked in to get pre-approved. I find out after this, that this is something that was known the whole time that I would never have been able to get a loan through them and was just strung along through the whole process, so they could " exhaust every resource ''. It 's a shame that such a large bank and a loan officer that holds the position of VP of the mortgage dept. here locally, can lie to someone and put a huge burden on them while trying to make a major life decision and change. I have been XXXX miles away from my wife and XXXX young children during this whole thing and am now XXXX as I already sold my home in Florida. I must now scramble to find a home to rent as my seller will not sign another extension. All due to Suntrust not doing their job. They have agreed to refund me any money that I have paid out of pocket for inspections, appraisal, etc - and to me, just shows that they know they are guilty in the situation as they are not obtained to do so ( because I should have never made it past his desk in XX/XX/XXXX with a pre-approval letter ). I feel Suntrust should make it right with a customer that they have had for over XXXX years and see that I have the credit, cash, payment history, and income to support a loan from them.
Product: Checking or savings account

Initially, I received a notice in the mail from Chase saying that they were ending the relationship with XXXX XXXX XXXX for reasons they couldn't disclose. 

When I called, emailed and visited the branch they kept deferring me to set up a meeting online. I did that and they never called on the assigned date XX/XX/XXXX at XXXX. 

XX/XX/XXXX I received a call from an XXXX number I believe, which I luckily answered and they finally asked me if a rep had been in touch. I told them no. 

On XX/XX/XXXX I received an email from XXXX XXXX at JP Morgan notifying me that " I understand the importance of your banking relationship with us, and I assure you that this decision was made after careful consideration. While I am unable to reverse the decision, I am here to assist you in any way possible during this transition period. '' When I asked again for the reason of closing my account, she didn't answer and simply said, " You can go into a local branch to withdraw funds. Once the account reflects a {$XXXX} balance we can proceed with the account closure. '' Given that my former bank, XXXX XXXX XXXX, was acquired from Chase this year in mid-summer. I have already been through that painful process of moving funds over and transitioning all my accounts. Now, end of year, I need to go through that again. 

I would like and deserve a reason for the closure, especially since I did not violate any company policies.
Product: Credit reporting or other personal consumer reports

There are several items on my reports that are being reported by Experian, XXXX, & XXXX. I have contacted all creditors and each bureau. I have not only been a victim of identity theft, but also my name was a part of the data breach. They refuse to remove the items and it's been a long time of the same treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX XXXX {$360.00} XXXX XXXX XXXX {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the following inquiries. Block and remove them. 1.XXXX  XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX 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 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 XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2023 ( with XX/XX/XXXX XXXX stamped date ) the I.Q. International Data Inc., a third-party debt collection agency hired by Residences at XXXX XXXX  XXXX XXXX validated '' debt : Stated the principal Due : {$4300.00} ( including notice fee ) + Interest Due : & XXXX in a total of {$5200.00}. XX/XX/2023, I have responded to I.Q. Data International , Inc. to dispute the amount owed. I have noticed them that the apartment agreed to early termination because I have surrendered the apartment to avoid non-paying rent and eviction a few month before the lease end and I have lived there over a year. The property management company said they would refund my deposit but they never did. The Residences at XXXX XXXX has been sued many times due to their poor management. 

The principal due they were trying to correct was higher than numbers of month x rental cost and the owed deposit was not included in the balance. It took them XXXX  years later to notify about this debt and increasing the interest amount every XXXX  days. They have never provided any detail document or original agreement but a few lines : principal due, interest dues and total amount due. 

With a few more attempts asking for original proof/document, I have not heard back from them since XX/XX/2023.
Product: Mortgage

XXXX XXXX, XXXX entered into a contract with XXXX XXXX XXXX and her bank U.S. Bank. XXXX XXXX 's home sustained flood damage in which her insurance company paid for the repairs and the funds were held by her mortgage company U.S. Bank in their Loss Draft Department to be disbursed to the contractor of record " XXXX XXXX ''. 
XXXX XXXX relinquished all rights to the funds so that U.S. Bank 's Loss Draft Department could pay the contractor directly and signed a direct pay, work authorization and authority to discuss all matters of the loss with U.S. Bank. XXXX XXXX then provided all required documents, Lien waivers and contracts to the Loss Draft Department of U.S. Bank and was approved as the Contractor of record. U.S. Bank released a first draw payable only to XXXX XXXX to start the repairs on X/XX/2017 in the amount of {$40000.00}. Following an inspection by U.S. Bank another draw was released payable only to XXXX XXXX in the amount of {$31000.00} on X/XX/2017. 
According to U.S. Bank a contractor can request a final inspection when 100 % of the structural and 90 % of non-structural are completed. At that point XXXX XXXX requested a final inspection in which U.S. Bank approved 95 % complete and issued a check in the amount of {$22000.00}. We confirmed the Loss Draft Department of U.S. Bank had issued a check made payable only to XXXX XXXX and that the check was mailed. XXXX XXXX received the check as did with the others but instead of contacting XXXX to pick up the check XXXX XXXX noticed a " note '' on the bottom of a letter from U.S. Bank that was attached to our check that stated ; " Contractor ( s ) can be removed from disbursements checks if paid receipt ( s ) are " RECEIVED and VERIFIED '' She then contacted the Loss Draft Department of U.S. Bank and stated that she had paid XXXX XXXX in full and requested the the check be re-issued to her alone. U.S. Bank took XXXX XXXX 's word and a copy of a {$7500.00} check that she had paid to XXXX for the gutting of her home and without doing there due-diligence and VERIFYING with XXXX XXXX that this information was accurate and correct and that XXXX was paid in Full they re-issued the check to XXXX XXXX XXXX. 

After a week had passed and no check was received we contacted U.S. Banks Loss Draft Department and we were informed what they had done, After two days of conversations with the supervisor of the Loss Draft Department of U.S. Bank, we were told they consulted with there legal department and that although they understood that we had not paid in full by XXXX XXXX, and that U.S. Bank was still in possession of {$9200.00} of the insurance proceeds, there was nothing they could do. Then they informed us that they were releasing the remaining balance and they would make sure XXXX 's name was on the check along with XXXX XXXX XXXX 's name. They then stated that they would send the check out immediately and that once that was done they would no longer speak with XXXX XXXX. That is exactly what they did! 
Please find attached all of the documents that were signed by XXXX XXXX and sent to U.S. Bank along with the letter stating that a contractor can be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and found XXXX XXXX XXXX is reporting on my credit report inaccurately. According to 42 US Code 1320d-6 WRONGFUL disclosure of individually identifiable health information, this is a VIOLATION OF CONSUMER RIGHTS! 

This must be deleted immediately.
Product: Mortgage

I applied for an FHA refi loan with Quicken Loans. They checked my credit and estimated my house value at {$190000.00}. The rep said I had to submit {$400.00}. good faith money in XXXX hrs or the loan was null and void. I said I thought this was unusual, and that I was a XXXX citizen and I did not have a lot of extra money. He said it was required to process my loan. I submitted the money. I was then asked for a lot of other documentation which I provided and they said was okay. Finally an appraisal was ordered. The appraisal came in {$40000.00} under what I was told. I questioned the appraisal and the comps. I even had the listing agent to my home and she agreed with me. She said property taxes alone showed a difference but beyond the differences were apparent to anyone. I contacted the CEO of QL, XXXX XXXX, who simply forwarded my message to XXXX XXXX to handle, the rep who asked for the {$400.00}. QL then sent the appraisal back to the same appraiser and asked if it was correct. He said yes. In the interim I was contacted by XXXX XXXX of QL who asked me if I had {$31000.00}. to being to settlement. I said no, I was not giving anyone anymore money.
Product: Mortgage

My name is XXXX XXXX. I was granted use and possession of my home through the circuit court after my divorce was finalized XX/XX/XXXX. The property is still in my ex-husband 's name XXXX XXXX. I was making on time mortgage payments until the mortgage rate changed. It stated in the court order i'm responsible for the payments and up keep of the property. My ex-husband should not have any interference with the property. The mortgage rate changed in XX/XX/XXXX. I called first home multiple times to make those payments and they would not assist due to the fact i don't have current rate information. Though he was suppose to surrender mortgage rates information and change, he did not, the ex-husband that it. I explained to First home and yet they refuse to take the payment. I even said i don't care what the rate is just schedule the payment. They refused.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Account Number : XXXX My name is XXXX XXXX XXXX XX/XX/XXXX last XXXX of ss # XXXX Jefferson Capital Systems is reporting that I opened an account with them on XX/XX/XXXX which they are a XXXX party hard tactic collection company that goes after really old debit and makes it look like it is current debt that is owed even though it is very old debt. If you look at all the complaints for this company on XXXX you will see I am XXXX of only XXXX 's with the same issue. By them adding a debt that is XXXX  years and XXXX  months old saying I just opened the account in XX/XX/XXXX it has dropped my credit score and all the credit companies are saying it will remain on till XXXX/XXXX/XXXX which will make it almost XXXX XXXX XXXX before it falls off. This company needs to either remove it from my report since it is almost the 7 year mark anyway or update that it was XX/XX/XXXX as date opened since that is the accurate dat it should be.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XX/XX/XXXX / XXXX XXXX.
Product: Credit reporting

XXXX XXXX XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX XXXX XXXX signed a consent agreement on XXXX XXXX, 2015, with the Consumer Financial Protection Bureau because of their illegal and deceptive debt collection practices. Under the consent agreement, XXXX XXXX XXXX is to provide consumer refunds and correct credit reports for those consumers. My situation falls under the consent agreement and the collection account needs to be deleted from my credit report immediately. XXXX XXXX XXXX used deceptive and illegal debt collection practices to try and collect on the account they placed on my credit report. In addition, XXXX XXXX XXXX has incorrect information on my credit report which is a flagrant violation of the Fair Debt Collections Practices Act.
Product: Credit reporting or other personal consumer reports

For the last 1 year and few months starting XX/XX/year>, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report with XXXX / XXXX show 90 days late payments for XXXX University student loan. Information was provided by XXXX student loan servicing XXXX university student loans. The period reported as late payments was XX/XX/XXXX / XX/XX/XXXX/ XX/XX/XXXX. During this period I was pursuing my Doctor at @ XXXX XXXX XXXX XXXX. I will XXXX in XXXX 2017. Deferment has been requested from XXXX University. To avoid accumulation of interest on my student loans, I have been able making some payments despite being in deferment. This has ruined my ability to buy a house.
Product: Credit card or prepaid card

It is my habit everyday to check my balance on my credit card since I got it and I pay it. I do not like to have any pending balance to pay. The XXXX day of XXXX, I notice an unauthorized charge with the following description : XX/XX/2022 XXXX XXXXXXXX XXXX XXXX CO Digital Account Number XXXX {$1100.00} I called immediately my credit card company ( Citi Credit Card ). They told me the charge to wait until this charge is processed to take action, but I needed to call them the next day. I called the next day, and they canceled the credit card current card at that time, and they told me I needed to wait for the new one ; and regarding the fraudulent charge they told me I did not need to worry about it, that tell will refund me that money and this will happen in a couple of days or so. I wait, but it didn't happen, and I noticed they did not send me any email regarding my claim and I did not notice absolutely any change on my account ( and when I clicked on " dispute center '' it says : " You Dont Have Any Disputes to Display ''. I called again, but they told me they were working on it, but they do not have a satisfactory answer for my questions regarding the Dispute Center and why they did not refunded me. I called after that several times but they just told me words and promises and the charge is still there. They want I pay this fraudulent charge and I continue with them as if nothing has happened, but of course, this is a fraud! How in the world do I need to pay a charge I did not make? Do I am obligated to finance the work of criminals? Thank you in advance for your help.
Product: Debt collection

On XX/XX/XXXX of 2023 I began an investigation to request validation of debts that were being reported on my credit. These letters were sent by certified mail, but I still have yet to receive any correspondence and my financial situation and credit continues to suffer. 

The amounts, dates opened and closed, are inaccurate and or I have never made any agreement with the listed companies or given permission to report the info on my credit. 

I would like these accounts to be deleted per violation of FCRA because I don't feel like my rights as a consumer are being respected or observed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX  credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$2100.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX XXXX BalanceOwed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$870.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$180.00} ; XXXXXXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 two unwarranted transactions took place on CashApp account. These transactions were requested by XXXX XXXX for {$2500.00} and XXXX XXXX for {$940.00}. I do not know either of these people. I requested a refund the same day. I have yet received any funds. I also attempted to contact Cash.App customer support by phone. XXXX XXXX, who answered and presented himself as a support agent with CashApp, told me to open CashApp and directed me to accept the transactions. He requested my bank card number and connected to my phone with XXXX XXXX. He used that information to take an additional {$1000.00} from my bank account, then erased my phone number, email address and transaction history from my CashApp account. I am retired and live on a fixed income. I don't know how I'm going to pay next months rent or buy medicine. Please refund my money ASAP. If you any questions, please feel free to contact me. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not XXXX '' payment on a credit card account under an open-end consumer credit plan as late for any purpose I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why XXXX is heads above the rest. I look forward to your reply.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX VA XXXX Balance Owed : {$0.00} XXXX XX/XX/202XXXX 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

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX