23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

From the start of the process XX/XX/XXXX, critical errors were made by both parties, people make mistakes. However, more recent events leading up to this complaint, and unanswered questions ; have me very concerned : The Closing Disclosure I received yesterday is missing information on the CHANGED CIRCUMSTANCE DETAIL : Date of Change : // - has Empty date?? 
Explanation of Change : - is missing an explanation! Really! 
( Do n't Lawyers do this part? Is there some loophole being exploited? ) At this point, I do n't trust the lender, and fear any mortgage payments would get botched as well. Now I have ran out of time since the closing has to occur by XX/XX/XXXX, and per the lender, not enough time to use my own Lawyer for Title. Today I hear rates are going up again soon, and the cost for me to refinance now, has gone up nearly {$40000.00}, over the term of the loan. 
I find it hard to believe that this was in the spirit of TRID, RESPA, TILA, or VA program requirements. These are all new terms to me, as of this last weekend. 
Since XX/XX/XXXX, many of my requests, questions, and concerns relating to document accuracy ; were played down and repeatedly ignored, most questions went unanswered. I made grave errors as well, not paying attention to detail, needed to insist on the corrections that I wanted. 
I gave them a copy of my Certificate of Eligibility ( COE ), XX/XX/XXXX. They had my VA Appraisal XX/XX/XXXX, around the time I was duped into signing the Loan Estimate. None of the updated information had ever been put into a revised XXXX XXXX like I had asked repeatedly. I have to wonder, are these poor people just stressed out and overworked? 
My rate lock had expired XX/XX/XXXX and I was led to believe everything would get corrected. Well into XX/XX/XXXX, they insisted I needed my XXXX, even after I had information confirming the COE was all I needed. I gave them the number, and followed up numerous times, did the UW ever call? ( XXXX ) I will become an expert before I ever try this again.
Product: Checking or savings account

I had a keybank back in XXXXXXXX XXXX i had an employment check put through the account and they instantly marked it as fraud my company pulled the money out and deposited in a new account now through XXXX XXXX the fraud was then lifted in the beginning of XXXX with keybank now i went to make a seperate account on XXXX as a joint account, so now i have my own personal, and now joint account through XXXXXXXX XXXX and XXXXXXXX XXXX  is now freezing both my accounts because of the fraud with keybank
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$2200.00} XX/XX/XXXX XXXX  XXXX Balance : {$4900.00} XX/XX/XXXX XXXX XXXX Balance : {$2800.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$7100.00} XX/XX/XXXX XXXX  XXXX Balance : {$8300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$1200.00} XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a current mortgage account, paid on time, as included in a chapter XXXX. This is NOT correct. We pay this mortgage on time every month as indicated on the supporting documents.
Product: Credit reporting or other personal consumer reports

Investigation Request Letter Date of Birth : XX/XX/1999 SS # : XXXX Enter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Credit account : XXXX XXXX XXXX XXXX Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXX XXXX Account number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed Paid Account/Late Payments : XXXX XXXX XXXX Account XXXX : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed Paid Account/Late Payments : XXXX XXXX XXXX Account XXXX : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My TransUnion credit report has disappeared. I have contacted TransUnion several times with no response or relief. 

This has caused my TransUnion credit score to appear to be XXXX. 

This has recently prevented me from leasing a car.
Product: Mortgage

My complaint is not with any individual company but with the entire industry. I have had 4 different servicers in 3.5 years of having a mortgage. Each time I am required to sign up for their service and reenter my information so they can auto deduct from my account. I appreciate that there is a 60 day period where I can not be penalized but this is so aggravating. I know its because my loan is just being bought and sold like stock so each of these companies can make a marginal gain. They each provide no value to me with each of these transactions, I see no discount or return for them passing it along. My consistent payment and income makes my loan a desirable product for which see no return and my labor in to continue to keep up with this obnoxious buying/selling is unpaid. This is exploitation.
Product: Credit card or prepaid card

Please do not mark this as duplicate, since I was instructed by the previous Chase representative to submit a new claim through CFPB. 

Here 's the updated claim : I made a reservation with XXXX  for the period of XX/XX/2023, to XX/XX/2023. Prior to the scheduled stay, I found myself dealing with a significant medical emergency and made an inquiry about the possibility of a refund if I had to cancel my reservation, but never agreed to a cancellation if theres no refund. If the reservation cant be cancelled or has to be cancelled without refund then I would just gave this reservation to my friends and family. To my surprise and without my consent, the reservation was cancelled by the merchant and the dates were made available for rebooking. I had never agreed to this cancellation, let alone without the provision of a refund. The abrupt cancellation by XXXX, without my explicit approval, left me at a financial loss, having paid upfront for services that were never rendered. Despite several attempts to rectify this matter with the merchant, the situation remains unresolved. As of today, I have not received any reimbursement for the cancelled reservation, and I believe this constitutes a violation of my consumer rights. The sum at stake is {$1400.00}, and I am seeking a full refund of this amount. I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter and to ensure the prevention of such practices in the future.
Product: Mortgage

Our Mortgage was recently sold to AmeriHome Mortgage Company , LLC ( " AmeriHome '' ). We remit payment for our homeowners insurance through our monthly mortgage payment which is held in escrow and then used to pay our annual insurance premium. Our insurance company XXXX XXXX XXXX has sent multiple bills to AmeriHome and AmeriHome has failed to remit payment on our behalf for the annual insurance premium. 

Both we and our insurance provider have called AmeriHome nearly a dozen times to try to resolve the problem without success. Nearly each time we place a call to AmeriHome, the wait time is greater than an hour to speak with a representative.

On at least two occasions, the AmeriHome representative has assured that payment would be remitted to XXXX with overnight delivery, however, AmeriHome has yet to remit the payment from our escrow account to date. This issue has persisted for greater than 2 months.

On three occasions, we have requested to speak to a supervisor and the respective AmeriHome representative states they are unable to transfer the call, but assure a supervisor will call back ; no supervisor has ever returned a call. 

Ironically, AmeriHome has sent at least 2 letters to us notifying that our homeowners insurance policy is at risk for lapsing, which has been entirely caused by their incompetence and failure to remit payment.

We have timely made mortgage and escrow payments each month, even paying greater than the minimum amount each month. AmeriHome has willfully failed to remit payment from our escrow account for our annual insurance premium. They have had written notice from the insurance company, and both we and the insurance company have put them on notice via phone communication on multiple occasions. AmeriHome has failed to take any action to resolve the issue.
Product: Bank account or service

Regions Bank are reporting a report for non sufficient- funds to XXXX . Original charge off amount of XXXX. That is not accurate. The contract ended with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information ( potentially any of all of the following : social security number, date of birth, address, phone number, and driver 's license number ) were breached from the Equifax credit bureau 's databases and were divulged to unknown parties without my consent. Checking the potential impact on my personal information through Equifax 's online website yields a generic message that is not very descriptive.
Product: Credit reporting or other personal consumer reports

I have called XXXX multiple times and sent the company emails due to a charge off that is not mine. I have never used this company and I want it removed from my alternative lending report.
Product: Checking or savings account

{$3000.00} was taken from my account on XX/XX/XXXX. The good and services were not provided and bondxwas revoked. I tried resolving the matter with merchant, several times no response. credit karma denied the dispute and refuses to give my money back. I am a single mom this is not right. please giv me my money back or I will be forced to take further legal action.
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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: Payday loan, title loan, or personal loan

My husband and my daughter both had to have XXXX  around the same time one was emergency and the other was planned, with that being said I missed time from work and so did my husband and we got a little behind. I borrowed {$500.00} from them I have been paying {$80.00} per week for approximately 8 weeks already in which I thought originally my payments would be every 2 weeks so I asked them if I can do a payment arrangement to pay it off seeing how I probably already paid back over what I borrowed, They said NO payment arrangments can be made in any circumstances I would have to let it go as a non payment, well I have overdraft protection on my account so the bank will pay it anyway and charge me the fees because of this I have fees on my acct un warranted and it putting me in more debt and all I was trying to do initially is make an affordable arrangement.

this is what they email me weekly below : Dear XXXX : Your scheduled payment of {$80.00} will be processed Friday XX/XX/2018 for loan number XXXX.

Your payment will be applied as follows : Principal : {$50.00} Advance Fee : {$0.00} Interest : {$30.00} NSF : {$0.00} Total Payment : {$80.00} To select a different payment option, please go to XXXX XXXX XXXX and log in as a " Returning Customer. '' Then select the option that works best for you.

Depending on your bank, it may take three to five days for this transaction to appear on your bank statement. You can check your loan status at any time by visiting XXXX and log in as a " Returning Customer. '' Your confirmation number is XXXX.

Thank you for choosing XXXX XXXX. We appreciate your on time payment.

The XXXX XXXXe Team XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all unauthorized information on my credit report with transunion that is hindering my file. please update the following information to help my file.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$14000.00} ; XXXX XXXXXXXX Balance : {$2900.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Yes I have inquiries on my credit report that I never authorized or submitted for any applications and I will like them deleted
Product: Credit card

The promotional period ended but the credit card company did n't send any information regarding the fact that the APR was going to change. When contacted the company told that the promotional period end date was mentioned in the statement. There was no time to do an opt out of the higher APR and the CC has charged me around {$3000.00} as interest. As I am enrolled in paperless statements, there was no emails/paper statement send out to me regarding this.
Product: Payday loan, title loan, or personal loan

I had 2 checking accounts open with US Bank XXXX, IL branch in the XXXX store. After time, the accounts were charged fees for being open ( without knowledge ) but they did notify me through mail unnoticed by me. The real issue is they opened lines of credit without my permission and transferred the monthly fees to the lines of credit. As soon as I noticed ( months later ), I talked to the branch manager and told him I wanted to close my accounts. He told me he was removing the monthly fees off my account. I agreed to pay fifty something dollars to clear the lines of credit because he said he couldn't take it all off. Months later the lines of credit had balances again. I went in to see the branch manager about 8 times to resolve the issue, called numerous times to numberous departments in us bank. Most of the customer service departments were sympathetic but said they couldn't help, but that the branch manager could help. The branch manager said that was not accurate and he had no knowledge of any way he could remove it. At one point he said I could pay a hundred something dollars to clear off and provide me with a written document stating payment in full but could not verify if it was for both accounts. The amount currently being reported each month as charged off is XXXX and XXXX. I have requested records to show I signed up for the line of credit or for some sort of overdraft I personally did and twice they have only showed me records showing the fees. I have paid all my other debts, including more than {$10000.00} in credit card debt to us bank. The negative credit is impacting me more than {$370.00} worth, but I find it too offensive to pay when it's all a fraud and poor customer service on their part.
Product: Consumer Loan

DriveTime reported me 30 days late on XXXX/XXXX/2015 for not making a payment on a loan that was paid off by XXXX in XX/XX/XXXX. There is no payment due yet they reported a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT ED/XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX