23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have applied for a XXXX Refinance with a Mortgage Lender, which involved submitting a request to RBS Citizens to Subordinate a Home Equity Line of Credit to the new first lien mortgage. I was approved for the refinance and the application for the Subordination was sent out to RBS Citizens, which included all of the documentation requested in their request checklist ( compiled by the title company ) and the request was submitted the first time with the incorrect fee for the Subordination request. The request was sent out ( XXXX ) with the check for the correct amount ( {$250.00} ) and returned as the request was denied because an appraisal was not submitted. I called RBS Citizens to find out why the request was denied, as I did apply for a XXXX Refinance and subordinate lenders are required to approve the request ( provided the account has a satisfactory payment history, which I do have ). They told me the reason for the denial was because I am required to submit an appraisal because my line was frozen and when a Home Equity Line is frozen, regardless of using a XXXX Refinance or not, we needed the appraisal. I paid for the appraisal. The appraisal was done and the application for the Subordination was submitted again. I hear nothing, so I called thus again ( keep in mind, my title company has been calling for status updates as well as myself ) and now I am told they need 10 days to log the request in and reply to the request. This happened late XXXX and was told the 10 day mark would be XXXX XXXX. No response at all, so I wait longer. I called again and was told by different customer service representative that the appraisal was not required ( even if my line was frozen ) if applying for a HARP refinance. Now I still have no answer and I spent in excess of {$400.00} for an appraisal, which was not needed in the first place. I called the title company today again to ask if they received the package returned or have they received any updates, which they did not. 

My frustration with this is endless and I can not finish my refinance until this is resolved. EVERY time I call or my Title Company calls, I receive a different story with no direction on how to resolve this issue. I can not imagine that RBS Citizens is doing this to all of their customers who request subordinations for their Home Equity Lines but I would like to get to the bottom of this and have my subordination approved and receive a refund for the money I spent for the cost of the appraisal which was not needed in the first place. 

I appreciate your assistance and welcome you to contact me at XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

My bank is Chime. I paid a security deposit in the amount of {$2700.00} on XX/XX/XXXX for a rental property, but the individual I sent the money to is not the owner. I tried to dispute the transfer with Chime, or have the amount refunded, ( today, XX/XX/XXXX, ) but the bank is saying the transfer is not eligible for any of these things. I did NOT receive the goods I paid for ( a rental home. ). This payment was made fraudulently.
Product: Student loan

There is nothing that can be done by my student loan servicer Nelnet regarding this issue. I have n't actually had any problems with them as of yet, my concern is with my loan itself. I graduated in 1995 with a {$24000.00} loan. Not bad really. However, since I was often well below poverty level income-wise I have never been able to make payments. If I had known that my {$24000.00} loan would balloon into {$66000.00} I would have starved for a year or XXXX in order to pay that off. In fact, I would starve for a year or XXXX to pay off the original amount of {$24000.00} now. But, I ca n't even fathom how I am going to be able to pay off {$66000.00} and counting anytime in the near future. I make {$1400.00} a month after taxes, not even enough money to move out of the XXXX studio apartment I live in with my boyfriend and occasionally our children who ca n't live with us because we live in a studio. It makes me feel hopeless. What is all that interest for anyway? Would n't they be happy with a full payment of the original amount instead of no payment for the hopelessly inflated amount? There should be some kind of cap on the interest charged, instead it is just growing and growing with no end in sight. I will probably be dead and pass that debt onto my family. 
( The drop down box is freezing my computer for the school choice. I attended the University XXXX )
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report, as the details listed below do not pertain to me. I request the immediate removal of this inaccurate data. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX Av XXXX XXXX, XXXX, WA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I was trying to use the https : //experian.com web site to determine the status of my credit information ( locked/frozen ) because a creditor wanted access, and I was unable to use their site to see my status, or change it. I couldn't get in to their system, or use " forgot user ID '' process to get in. I called the listed phone number, and the system is totally automated, with no option to speak to a person. I found the experience totally inaccessible.
Product: Payday loan, title loan, or personal loan

Due to COVID hardships I pawned the title of my XXXX XXXX XXXX to get the money I needed for rent. I received XXXX from Car bucks in XXXX off of XXXX XXXX. I had just started with a company as Im a XXXX XXXX XXXX XXXX XXXX XXXX and thought I would have no trouble paying this amount back. Unfortunately I was unable to make the first payment and they took my car. They did not tell me they were going to take my car, I never received a letter stating their intent. I called the next morning as soon as they opened trying to meet them to pay the entire amount owed for return of my car with a family members help. I was told by XXXX that works at that location she couldnt tell me anything but only say that she would have the owner call me. It took him 3 days to call me and I told him I had the money and wanted to meet him to get my car and then he said he didnt want the money I owed him that he was exercising his right to keep my car thats worth 4x the amount of the loan and refused to take the cash to pay the loan off so he could keep my car? Is this not stealing? Ive now lost my home and my job bc Ive lost my car. Please help
Product: Debt collection

There is a collection popping up on my credit for XXXX dollars for a apartment I never lived in or even had knowledge of. This address popped up last year on my credit saying I resided there. This was disputed, figured out and removed from my report on XX/XX/2021. I had neither lived in this place, visited or even applied to live here. Somehow this company has my information, I created a fraud alert for every company to know my identity has been stolen, nobody contacted me so Im not sure why this apartment was allowed.
Product: Mortgage

This is the same issue as I reported in complaint number XXXX. 

Despite their response to that complaint in which they stated in their letter dated XX/XX/2019 that " To alleviate any future concern or confusion, we have adjusted the payment schedule to disburse just one PMI payment per month. ", they have AGAIN removed two PMI  payments in the month of XX/XX/2019. 

Since my previous complaint they have disbursed PMI payments from my escrow account on the following dates : XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 Clearly the company 's letter in my previous complaint was a fabrication. 

I have attached Flagstar 's letter and also PMI transaction history since the inception of the mortgage
Product: Mortgage

Loan Depot has stopped sending me any mortgage statements or information about my loan. I have called them at least three times over the past several months to please start sending me my mortgage statements. 

They have not done so. I can not work online banking as I am older person and do not like online banking. I need my mortgage statements mailed to me. Can they please send me my mortgage statement
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$5200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 USC1681. 

DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATION/XXXX XXXX has violated my rights. 
DEPT OF EDUCATION/XXXX XXXXhas violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Debt collection

Comenity Bank XXXX XXXX XXXX XXXX XXXX evidentially went on the internet and searched for anyone who might know me. They contacted people with whom I am acquainted and relatives in four different states trying to collect a debt. The debt is being handled by XXXX XXXX XXXX and they had no right to contact people that are not listed on my account to threaten them with collections. Those people have no knowledge of my debt and I strongly resent Comenity Bank contacting my fiends and relatives when they are not listed on my account. They have been told numerous times by me that XXXX XXXX XXXX is handling the debt. I need Comenity Bank to stop contacting unauthorized people concerning my debt. XXXX with customer service was extremely rude to everyone that she contacted, even calling my son at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently my attorney and I settled for an undisclosed amount with XXXX  because of their failure to comply with the fair credit reporting act section 605B pertaining to identity theft. I have recently sent XXXX A new FTC report and police report but according to their records they dont even have the FTC report or police report that was used for the settlement that they had at one time. I find it interesting that this particular credit bureau had a major security breach which unfortunately I was a victim of. Recently we settled a lawsuit because of their failure to comply with the fair credit reporting act and again I am making a complaint prior to suing them again hoping that they will make a correction giving this credit reporting agency the benefit of the doubt. But unfortunately even after I sued them and won They still failed to comply with the FCRA using other countries to answer their calls and process the data for disputing and these countries are not familiar with the FCRA because when I questioned their representatives they are absolutely oblivious to the laws.
Product: Credit reporting

I have informed Transunion that the XXXX account showing on my credit file do not belong to me. There may have been some mix up or Fraud Activity but this is not my account. I have contacted XXXX and they have not responded to me. So, I do not know how Transunion is getting this inaccurate information.
Product: Debt collection

I receive a call from XXXX from drive indicating they did revive documents showing police report, identity theft. Etc That for me to send again to an email address. A repossession stays on your credit report for seven years from the first missed payment./ she indicates when the car went to auction that in ludes a payment from me.. So this is oblivious on the company part. This fraud/ I never posesin of the vehicle in 2017/ so its fraudulent on the company behalf to continue to put negative remarks thats not true. Send proof that I made a payment!!!! This negative mark can hurt your credit score and make it harder to get new loans. The seven-year countdown starts on the date of the first missed payment!!! Not an auction. I want to be compensated. This mentality draining. I have proof of that too. Im taking medication ) This company need to be reported to committed fraud and a scam.Texas attorney general office and XXXX They calling my number which I did not give them my number nor my address. The other worker who I reached out too seen the mistake. I never purchased this vehicle. I do not drive .Thats whats even more hurtful. Im XXXX.
Product: Credit reporting or other personal consumer reports

I informed LexisNexis of inaccurate and incomplete information as it relates to a reported bankruptcy on my consumer report and requested that it be deleted. I also obtained court documents stating that the court in question does not furnish information to credit or consumer companies. No actions have taken at this time by LexisNexus.
Product: Vehicle loan or lease

On XX/XX/XXXX I entered into a consumer credit transaction for a XXXX XXXX XXXX XXXX vehicle with Carvana, LLC. I have sent affidavits certified to Carvana and their XXXX XXXX informing them that my contract was fraudulent and misleading which were delivered on XX/XX/XXXX and XX/XX/XXXX. These were all Federal violations of the Truth In Lending Act which included falsely stating the finance charge ( 15USC1605 ( a ) ) by not including my insurance with the finance charge as well as not providing me with the proper documents and disclosures of my right of rescission ( 15USC1635 ( a ) ). I demanded my right of rescission, monetary relief of {$30000.00}, an audit trail and account records of the transaction, the title to the vehicle free and clear, reimbursement for all insurance payments made Pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) for Criminal violations as well as Civil violations Pursuant to 15 USC 1611 due to their negligence. I received a response dated XX/XX/XXXX only stating that I still owe the debt and nothing further. I have included all the Federal Consumer Protection Laws in the affidavit mailed to them proving their violations of the Truth in Lending Act and they failed to acknowledge and respond accordingly.
Product: Debt collection

Letter received from XXXX XXXX XXXX XXXX claiming debt not owed. Verified not owed with original creditor ( PayPal , Inc. ).
Product: Money transfer, virtual currency, or money service

I wanted to deposit my money from cash app into my bank account with a XXXX or XXXX day delay so it would be free. I touched the instant deposit spot ( they're right next to each other ) and it cost me north of XXXX dollars. I contacted the company right away and they basically said too bad so sad. That is unacceptable, I am willing to wait for my money so they can get a few days use out of it. I am NOT willing to pay an annual interest rate of roughly XXXX XXXX ( cost me XXXX dollars for the use of XXXX bucks for XXXX days ) They should be forced to have an " are you sure? '' button to click like when you delete something.
Product: Checking or savings account

Hello. I've had multiple phone calls about my rewards checking account bonus that I was told I qualified for after applying for the credit line and doing 3 checking transactions. It's been more than 60 days, which is what I was told was the deadline. Please have someone credit my account the {$500.00} I am owed. I was supposed to get a call back " in XXXX minutes '' on Friday after being told I did in fact qualify. Nobody called. Thank you. XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a home equity loan with XXXXXXXX XXXX They indicate they were unable to access a credit score from Equifax because they found my account to be frozen. The website states it is not frozen, however the creditor can not obtain a score. I too can not access my own score in the online account. I receive an error message. The error message requires me to call them which I have done numerous times. Equifax required me to fax them proof of identity which I have done 2 weeks ago. They have neither acknowledged receipt nor updated my online account. For 3 years I have been stuck in an infinite loop with Equifax and no resolution.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.