23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I request a loan rate quote from Interfirst Mortgage Co out of  XXXX , Il.  XXXX   XXXX ,   XXXX  . I received an email fr om Senior Mortgage Loan Originator,   XXXX   XXXX  that afternoon. I explained to him what I was looking for as far as 20 yrs, etc. He sent me an email with the available rates for that day.  XXXX   XXXX , I to  XXXX   XXXX   XXXX  to place application and agree to electronic signature.  XXXX   XXXX , I was contacted by  XXXX   XXXX ,  Sr. Loan Processor for Interfirst to up load documents. I provided all the information needed. The loan was submitted to underwriting  XXXX   XXXX .  XXXX   XXXX , I was told I had conditional approval on the refinace (  1 . Provide a satisfactory  XXXX  Re : inquiries in the last 120 days to evidence no additional debt. Respond to each inquiry by the creditor 's name.  1 )   XXXX ,  XXXX  ;  2  )  XXXX / XXXX ,  XXXX . Please provide signed and dated letter of explanation for each inquiry, by creditor name, and date, state results, if new accounts opened, provide current statements. ) This I provided. Also I gave a credit card # for the appraisal {$490.00} which could not be done until  XXXX . After that I was lead to believe we were closing  XXXX   XXXX . I had told  XXXX  that I had  XXXX  acres but only financed home with  XXXX  acres and that I had built a mother in law area for my Mother. This was all discussed before appraisal.   When Appraiser came I explained this to him too. But he did the appraisal on the  XXXX  acres. I received a denial because of acreage. I spoke with  XXXX  and he spoke with  XXXX   XXXX  Co and they had the appraiser redo for just the  XXXX  acres. Then I never heard from anyone about what was going on. Then  XXXX   XXXX ,  XXXX   XXXX  ( Manager Retail Operations ) I was told both  XXXX  and  XXXX  were no longer with the company. I do not know why and believe this is the major reason the loan was denied. She said denial based on acreage and no comparable in area for mother in law area. Like I said this was all upfront information. The appraiser did an amended appraisal for the  XXXX  acres  XXXX   XXXX .   I am trying for another loan and they can accept that appraisal but have to have a transfer form signed by Interfirst and they are not cooperating. I am the one who pays the appraisal and after all the mess I went through with them they should at least do that. Otherwise it is going to cost another {$590.00}. I have all of the emails and documents.
Product: Debt collection

COI is harassing me and inaccurately reporting information to the credit bureaus resulting in my profile being compromised. I am livid and intend on filing litigation for these unethical and ILLEGAL tactics. The original fraudulent account was already removed from my credit report and COI is going against that for their own financial gain. Attached is a copy of my FTC report. Please remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/18 an invoice was populated in my name for the amount of {$360.00} from the Dr. office of XXXX XXXX XXXX MD of XXXX XXXX XXXX for services rendered. Not only was I unaware of this charge, but I also don't recall ever having a service done. Whenever I attended this office, I was never invoiced and told by my insurance company, during that time, all charges were covered. The debt was turned over to a company by the name of M. Leonard & Associates which appeared on my credit report before I even received a collection letter from them. 

I attempted to contact M. Leonard & Associates for verification of the debt, requesting a copy of the invoice and signed document stating I agreed to pay for these services, which this company has failed to provide and comply with. I contacted the credit bureaus regarding this bogus collector reporting misinformation on my credit report. I then attempted to contact M. Leonard & Associates again to remove said debt, in which, they refused, insisting that I owe the debt listed in the invoice provided, without providing me adequate proof requested pursuant to 15 U.S.C. 1692g of the FDCPA. 

Not only has M. Leonard & Associates failed to comply with my request, but they also insisted on saying they are not required to provide me with the verification requested. They don't have the original receipt of my debt they say I owe, they are trying to collect a different amount from the {$360.00}, tacking on interest in the amount of {$130.00}, and they are refusing to comply with my written request of verification which is outlined in detail along with the laws that back each of my demands. I refuse to pay this company as I feel they are trying to collect from consumers unlawfully and falsely reporting to the credit bureaus without adequate verification. Please make these crooks comply with the law and avoid destroying the consumer 's financial history.
Product: Debt collection

Received a debt XXXX message that sunrise ( collector ) is chasing debt {$XXXX} for company charter communication. 
I assume this was the last months charge Ive paid. I dont know how could charter open this mistakenly wrong debt collection against me. account XXXX subscription stopped in XXXX and equipment returned on XX/XX/XXXX. my service cycle ends XX/XX/XXXX. Last month service was interrupted and so bad.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX  XXXX {$280.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : I XXXX {$3100.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX {$9400.00} XX/XX/XXXX XXXX  XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX, XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX  XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX 15 U.S.C , 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I hit a hard time with finances when my husband got into some trouble and was unable to make payments on my loan. After that I forgot about it until I received a phone call today that I was being served with a civil complaint and that the amount was over {$1000.00}. 

I went back and contacted the original lender today and was told that the debt was sold and was given the new debt buyer 's information, which is XXXX XXXX XXXX
Product: Credit card or prepaid card

Made payment on XX/XX/XXXX of {$42.00} of {$84.00} due ( minimum pymnt due {$27.00} ) on XX/XX/XXXX ( no minimum charge and no interest charge? ). {$2.00} Minimum Charge Fee added ( no interest added which states a minimum of {$2.00} in their agreement ) on XX/XX/XXXX closing date. Made another {$42.00} ( minimum pymnt due {$27.00} ) on XX/XX/XXXX due on XX/XX/XXXX. {$2.00} Minimum Charge Fee added on XX/XX/XXXX. Total due now is {$4.00}. Made {$4.00} payment on XX/XX/XXXX ( no interest fees ). {$2.00} Minimum Charge Fee added on XX/XX/XXXX? Payment was made before closing date. I feel like I will never get this card paid off with this game they are playing. I see nothing noted in their agreement about a {$2.00} Minimum Charge Fee. I never got charged interest rates and their minimum on that stated {$2.00}. I have since cancelled the card due to the constant charges even though it has been paid off since XX/XX/XXXX before their due date of XX/XX/XXXX and the closing date of XX/XX/XXXX. I feel they apply their interest rate minimum of {$2.00} as this Minimum Charge Fee so they can continue to charge it as long as their is a balance and you wo n't see it until the next statement.
Product: Checking or savings account

I opened an account with M & T bank on XX/XX/XXXX online and walked into the bank to make a cash deposit of XXXX the same business day. At no point was I provided written or electronic notice that a hold was being placed on my account, or that I needed to provide verification until I came into the bank on XX/XX/XXXX to withdraw funds from the account and was told I could not and was not given an actual hold release date. I provided M & T with a copy of my government issued ID, my social security number, and a utility bill with my name and address and the branch manager copied and kept a physical copy of my personal information after it was submitted to the bank for verification. I called and spoke to several representatives and was given a different story with every representative. They explained that my mailing address was different from my home address, even though I used my home address to open the account. The instructed me to change my address online ( something that can not be done, you are only allowed to change your address in a branch ), and to resubmit the same information that I submitted only hours earlier. I went back to the branch and they could not give me a clear date for availability of funds, just that the verification process takes a couple hours to 24hrs to complete ( depending on who you talk to ). He still had copies of my social security card and ID hours after it had been submitted for verification and had not destroyed my personal information. They in fact made two copies of my ID and SS card and handed one copy to me as if they were providing me with the copy they made. I wasnt aware that there was a second copy until I went back to the bank to change my address and the branch manager said that he had my information on a fax machine and could send it over again as a courtesy. It has been 4 days and I still have not received correspondence from M & T about the original hold, nor any update to my account. I called within 24 hours and the hold was still on my account.
Product: Checking or savings account

Reply from XXXX XXXX XXXX Re : XX/XX/XXXX response from American Express- XXXX XXXX XXXX XXXXXXXX XXXX, you may wish to have someone other than a Customer Advocate be advised of this complaint. 
Each time you have countered my replies to AMEX, you insisted no error was made in your investigation involving the theft of my funds by unauthorized withdrawals. In over twelve years, not one dime has been withdrawn, yet, within weeks, {$250000.00} was removed. Therefore, I would posit : 1. You have not complied with all rules and regulations cited in 15 USC 1693f ; 12 CFR 205.11. 
2. You failed to secure my funds as you stated that not every transfer triggers a fraud concern. Withdrawal of {$250000.00} did not create some type of fraud alert? 
I am uploading the investigation by the XXXX XXXXXXXX XXXX Sheriffs Department validating that your inept, simplified, negligent investigation was no more than a sham. The detailed and more thorough investigation by the Sherriffs major crimes, cyber-crimes, Attorney Generals Office, and Secret Service negate your excuses of no error being made in your investigation. 
Knowing the lawful facts, we can not conclude that American Express Bank ( AMEX ) conducted an adequate investigation. Unauthorized withdrawals were conducted by unauthorized users. AMEX did not attempt to limit the withdrawal of {$100000.00} ( XX/XX/XXXX ) ; {$100000.00} ( XX/XX/XXXX ), and {$50000.00} ( XX/XX/XXXX ). With each of these transactions exceeding the {$10000.00} daily aggregate amount, no Suspicious Activity Report was filed. No communication to this account holder was ever initiated. U.S. law enforcement provides banks with access to resources and tools that can be used to strengthen Bank Secrecy Act ( BSA ) /Anti-Money Laundering ( AML ) risk management programs. 
My funds were removed from AMEX without any recognition of the portent of these stolen funds. You are responsible for this loss. 
1. I would like to see documentation on the extent of the investigation on which you based your findings. It was your duty to offer to share the documents you relied on rather than just a transaction sheet. It is a violation to not produce these documents. Again, the attached investigation by government authorities validates that I did not authorize or conduct these transfers. 
2. Why doesnt every substantial withdrawal trigger a fraud concern? 
3. Why is your logic that you must retrieve funds? Given so many government regulations that Amex did not follow, AMEX gave my funds to unauthorized hackers. The fault lies with American Express. My reimbursement lies with AMEX. 
4. It is also my understanding that if American Express fails to conduct a reasonable investigation or comes to a completely unreasonable conclusion with the evidence they have, I may have a claim against the bank for violations of the Electronic Funds Transfers Act ( EFTA ). Such a claim entitles the consumer to three times their lost damages plus attorney fees.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX Funding, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX : Debt Validation Request for Account # [ XXXX ] Dear Sir/Madam, I am writing regarding an alleged debt you claim I owe, associated with the account referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt to ensure its accuracy and legitimacy.

Please provide me with the following information : 1. Validation of Debt : The total amount of the debt, including a detailed breakdown of all fees, interest, and charges.

The name of the original creditor and their contact information. 
A copy of the original agreement or contract that establishes my obligation to pay the alleged debt. 
XXXX. Proof of Ownership : Documentation showing that LVNV Funding, LLC has been assigned or legally owns the debt. 
A chain of custody or proof of transfer of ownership from XXXX XXXX XXXX XXXX to your company. 
XXXX. Verification of My Responsibility : Documentation proving that I am the individual responsible for this alleged debt.

This letter is not a refusal to pay but a request for validation. Please note that under the FDCPA, you are required to cease all collection activities until the requested information has been provided. Additionally, I request that you refrain from reporting this alleged debt to any credit reporting agencies while it remains unvalidated. 

Failure to provide the requested documentation will result in me disputing the debt and filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant agencies. 

I expect your timely response to this request, as required by law, within 30 days of receipt of this letter. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion sent me a report on XX/XX/2024 showing that they verified and the accounts that is highlighted is verified and accurate as you can see at the highlight accounts you can see the accounts are not accurate. Theyre inaccurate and per the Fair Credit Act they should be deleted, since these accounts was not properly verified And are not 100 % accuracy they should be deleted.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX XXXX XXXX  you furnished alleged transaction ( s ) on my XXXX, TransUnion, and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you are not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Without Recourse UCC 1-308
Product: Checking or savings account

On XX/XX/22 a transaction in the total of {$490.00} was made to XXXX XXXX at XXXX, I physically saw the transaction in a pending state on my transactions list on Chime which cleared the following day ( XX/XX/22 ). I have two emails from XXXX XXXX that Ive already forwarded to chime that shows that I initiated payment from my bank account and the transaction cleared and the payment was completed. A week later on XX/XX/22 XXXX XXXX  emailed me that my payment of {$490.00} was returned to my account but for some odd reason when I go to my transactions on chime theres absolutely no history of me paying XXXX XXXX  {$490.00} on XX/XX/22 or them returning it back to my account on XX/XX/22. Its as if my money disappeared in thin air which I find to be extremely odd. I reached out to Chime support via telephone several times to no avail, I was continuously placed on hold and transferred from agent to agent. On XX/XX/22 I reached out to chime again and was told by a supervisor in the member services department that my issue was not a Chime bank issue and I should take it up with the merchant XXXX XXXX. I've been in contact with both Chime member services and the Disputes department since XX/XX/22 via email and I still find myself going in circles with representatives that's not looking to solve my problem. It's been over a month since my money has disappeared from my account and I need it back ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has an expired debt collection license in Tennessee. They must be deleted from my credot files, Equifax, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX for XXXX position, which required background check where i got shocked by this on my background check my legal name is XXXX XXXX and my marriage name is XXXX XXXX so for my back ground check i submitted my name as XXXX XXXX but in my back ground check please read below it says the applicant provided the below names who is this applicant who used XXXX XXXX as one of my names XXXX XXXX is my daughter and she is XXXX years old and XXXX XXXX is XXXX years old AKA AKA SOURCE XXXX, XXXX Provided by Applicant XXXX, XXXX Provided by Applicant XXXX, XXXX Provided by Applicant attched the back ground check page two that list XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX has ugly records where XXXX XXXX XXXX XXXX years old fresh out of college why missing with her record and identify her as XXXX XXXX please dont let any applicant use XXXX XXXX the sweet kid as if she XXXX XXXX the XXXX years old not sure how this applicant listed XXXX XXXX and XXXX XXXX about my daughter im terrified now that my daughter is listed as she is XXXX XXXX
Product: Mortgage

My mortgage loan was transferred from XXXX. to Loancare at the end of XXXX. I received a statement on XXXX/XXXX/XXXX for payment due XXXX/XXXX/XXXX, of which I paid immediately. I NEVER received a statement/bill in XXXX for XXXX payment. I called on XXXX/XXXX/XXXX to inquire as to why a statement had not been sent for a bill due in a week. She claimed it was due to the weather! I decided to pay the bill online and the ONLY statement on the website was the XXXX/XXXX/XXXX statement. When I called Loancare back to let them know the website statement was not current nor up to date, I was placed on hold for 25 minutes which went past hours of operation and so my concerns were never heard. This level of incompetency for a company in charge of mortgages and tax payments is completely unacceptable.