23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a cash out refinance loan with AmeriSave mortgagert on XX/XX/XXXX. The mortgage loan originator took all my information and gave me a link to pay {$500.00} application fee which would be refunded at closing. After the process started and I submitted all requested documentation and the appraisal was performed. My home appraised at $ XXXX and I was requesting XXXX cash out paying off everything on my credit file which amounted to around {$15000.00} and the rest was for other things I had hope to pursue. 
The representative issue an approval based on information provided and sent my file to his processor. From this point everything changed. I paid, sent in all my information and was sent early disclosures and after which I could get little to no more responses from this XXXX. Lender. I called many, many times to the LO and processor over the course of weeks, my emails were practically unanswered. The only times answered were after 3 to 5 of the same emails sent. After appraisal came back and all income docs sent, the processor informed me I had a 30 year loan not a 20 year as discussed initially with LO. They were telling me I had a Debt-TO-Income problem. I asked to provide the ratios to me and never received, just a declination notice in the online portal. I have been a Loan officer ( 20 years ) and owned 2 mortgage companies for 13 years. I was only to have this note with a principal and interest payment of {$430.00}, I sent new insurance declarations page to replace what they were computing orginally. The new insurance with XXXX XXXX was only XXXX monthly and taxes around {$140.00} with all this added the note should have only been {$690.00} to {$700.00} per month. I provided Social Security Awards Letter of {$1400.00} per month and two years S/E income should be averaging {$350.00} per month making a total income {$1800.00} making an overall debt to income ratio of .39 %. I do not know because of non-disclosure what they were using in the final numbers. I only know I should not have been denied based on DTI. I repeatedly asked someone to call me before declination notice because the LO emailed a sentence that underwriting stating possibly denying me based on income. I was even told with tax return Social Security is grossed up by this Lender. I even went as far as to amend my XXXX taxes, which I provided to my LO adding additional income that wasn't originally filed making my DTI even less. I do not know what to do, I have never been treated with such " I don't matter '' and disrespect. I financed homes for over 20 years and my customers never went through this, they were never unaware of the process and was called back and if problems were occurring, my company would have enough consideration to disclose and work with them, especially when I have paid money upfront and given false hope.
Product: Debt collection

Some years ago I went to a credit repair company/person in an effort to repair my credit. This company took my personal information and opened various credit card account and took loans from banks using my information. Once I became aware of this I contacted the companies informing them that these charges were not mine and that I was in fact a victim of identity theft. I was told that the accounts would be flagged as fraud. I also went and failed a police report. Now I am being sued for a debt that I do not owe because it was created and the cards were maxed out by someone other than me. I now am receiving harassing phone calls, mail and court summons due to this. This took place around XXXX now the bill is XXXX. I am told I need to appear in court or a default judgment will be entered against me. This has been affecting my credit report negatively and the tactics that are being used are against the law and violate my consumer rights. This account is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies with corresponding account numbers ; XXXX XXXX XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX & XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, & XXXX XXXXXXXX XXXX XXXX  # XXXX, have violated my rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently check my credit report i noticed that i've been victim of identity theft and found numerous credit inquiries i have no knowledge of these inquries that i've found : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. XXXX XXXX XXXX XXXX XXXX. Please remove the fraudulent inquiries from my credit report
Product: Student loan

Mohela is reporting my large student loan twice to XXXX. It appears twice on my credit report. This affects my debt-to-income ratio and ability to obtain credit, which I am actively seeking. I called Mohela and they stated it would be resolved in 90 days. That is way too long, and I don't believe them. 

I filed a dispute with XXXX. They did not remove the duplicate loan from my credit report. I called, and the agent said that Mohela indicated to them that the duplicate loan information was correct and should stay on my report.
Product: Debt collection

This company ( ERC  )  obviously got this item from the last bogus collection agenc y (    XXXX   XXXX   XXXX   (  XXXX  ), Case number :  XXXX  ) I filed a complaint with your office on   XXXX   XXXX   XXXX    . They have been calling and harassing for over  3  weeks. A few of the numbers they are calling from are :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX   XXXX . There are many others. They robo dial my home and cell phone numerous times a day.   Heres what I intend to do : If this bogus company sends this on to another collection, I will file suit against them for doing so. If they continue to do harassing calls, I will file suit.   When they got my information from  XXXX , they saw the documents I provided showing  XXXX   XXXX   XXXX  having been paid in full by a copy of the refund check made out to me for my overpayment of my final bill. This shows true malice on ERCs part.   I think a jury will reward me for taking someone like this off the market who obviously harasses people thinking they have a legal way to extort money from them.   Thank you Consumer Financial Protection Bureau for helping document how these companies work, as this only helps us when we sue them. The judge doesnt like that we have to use the government-tax payers money to stop crooks like this either.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a complaint against Regional Management Corp. due to their failure to provide proper verification of an alleged debt, questionable collection practices, and potential misrepresentation of ownership. Regional Management has been sending me collection notices but has failed to provide the original, authoritative contract when requested. Instead, they provided statements and only a copy of the agreement, which does not comply with their own agreements regarding electronic records and ownership verification. Based on their financial disclosures and securitization agreements, it is unclear whether they still own the debt. Despite this, they continue collection efforts and have now engaged an attorney claiming to be a debt collector. However, it is unclear whether this attorney is acting as an agent for Regional Management or as a third-party collector under the FDCPA. Given Regional Managements past interactions with the CFPB, I am concerned that their current collection actions may violate consumer protection laws by attempting to collect a debt they can not verify they own.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran my personal report putting 3 hard inquiries for a corporation that I had not personally given authorization nor guarantee nor my SS #
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / XXXX  i made two pay ments to Capital for {$75.00}, i cancelled one  but the other went through, to my account ending in  XXXX . I was told it was reversed but i have proof  one of the two w as resolved in a screenshot / I received an  XXXX  report on  XXXX / XXXX / XXXX  stating my request to investigate this error has been received. Since the n ( 7 mo nths later ) i have had my lawyer se nd 4 to 5 lette rs asking for an answer with no resolve.     Pleas notice in the document uploaded that there a re two paymen ts on  XXXX / XXXX / XXXX  for {$75.00},  one is cancelled one is  accepted, it is the one that is accepted that i am referring to as the payment i made. Thank you
Product: Debt collection

I have told this company on several occasions I do not owe this debt and it was paid. They are not the rightful owners. I never received anything regarding this matter until 7 years later when it showed up on my credit. The company keeps going in circle when I tell them to show me proof I owe this debt. The original owner have sold this account to several different third parties but no one can show proof the own this debt and sign any agreement to owing this debt. The company is a fraud and have had several lawsuit against them because of this.
Product: Credit card or prepaid card

This is a complaint with the Comenity Capital Bank, which services my XXXX credit card. On XX/XX/2021 I received a bill of {$33.00}. It was paid on that date, so it was not paid late. I paid the bill electronically through my account at XXXX XXXX. The following month I was notified that the bill was unpaid and had a late fee added to it. I contacted XXXX XXXX and received a document showing that XXXX XXXX had removed the money from my account. They then sent a check to Comenity Bank. I sent proof of this transaction to Comenity Bank, but they were unsatisfied. They requested a copy of the check that was sent by XXXX XXXX. XXXX XXXX did a skip tracing on the check and discovered that it was never cashed. They credited my account for {$33.00} and I sent a personal check to XXXX for that amount, which they received. At the present time Comenity Bank is charging me {$64.00} in late fees. I made the initial payment on time. XXXX XXXX sent the payment in. The payment was either lost in the mail or at Comeninty Bank. We will never know as the check was never found. I would like these late fees erased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had and have credit freezes on the XXXX credit bureaus accounts. There was a fraudulent request from Capital One for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by Capital One on the XXXX, XXXX, and XXXX sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. Capital One has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.
Product: Credit reporting or other personal consumer reports

Here is a list of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently, I did an investigation on my credit report which has caused me severe XXXX and anxiety upon finding unverifiable, invalidated, inaccurate and questionable items that the credit reporting agencies are reporting on my credit report. 

In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. Code 1681e ( b ) and 15 U.S.C. Code 1681i ( 5 ) the following accounts are in violation and not reporting 100 % accurate as well as violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX. Acount # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # 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. 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 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: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  XXXX - XXXX
Product: Mortgage

RightPath Servicing has claimed that the proof of insurance I provided is insufficient due to the lack of walls-in verbiage and I believe this is clearly an error. 
RightPath Servicing has also claimed that there was an existing XXXX XXXX XXXX policy in place when the loan was transferred from XXXX XXXX XXXX ( Mr. Cooper ) to RightPath Servicing ( also Mr. Cooper ) but they were unable to learn the name of the insurance provider for this Forced Placed Insurance that I am completely unaware of. 

I am formally requesting all documents RightPath Servicing has relied on to determine and make the claims that : XXXX. My hazard insurance had expired XXXX. The proof of insurance sent by the borrower was insufficient to satisfy the lenders requirement XXXX. That Forced Placed Insurance was in place prior to the transfer from Mr. Cooper to Mr. Cooper but RightPath Servicing was unable to obtain the name of the insurance provider XXXX. That the requirement to provide type of hazard insurance in the first and second notices has been met by simply stating hazard insurance. Where in the XXXX XXXX XXXX XXXX or the CFPB does it state the verbiage ( RightPath Servicing ) used in the first and second notices meet the type of hazard insurance requirement? 
XXXX. That the verbiage within the boundaries of the units and additions, alterations and installations found in the proof of insurance I provided does not satisfy walls-in and betterments and improvements verbiage claimed to be required by RightPath Servicing XXXX XXXX That RightPath Servicing was permitted to report my mortgage payment status to credit bureaus while notices of error were pending
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know how to go about reporting my Id and social were stolen along with my wallet and every card I own. I keep getting phone calls from loan companies and Ive never applied for and one new account for Best Buy two days ago which wasnt me. Please help me
Product: Credit card

XXXX is refusing to direct deposit my cashback into my account. Not only that, they keep lying to me on recorded lines. I made my XXXX call today to them in this regards and XXXX refused to give me supervisor, straight off said he wont give me a supervisor. Made XXXX more calls before I could get hold of a supervisor called XXXX and he also could not give me a straight answer on anything. The reality is that this Comenity is such a garbage pile of a bank that even their own agents or supervisors dont know what is going on. They keep filling more and more requests without trying to figure out what happened with their previous requests. Please revoke their banking license.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Dear Respected Authorized Person, I hope you are doing well. I opened a Truist Bank checking account with promo code XXXX applied ( Proof attached ). This is the second time I have opened a bank account with Truist. 

Per the terms and conditions ( attached ), if I didn't close any truist account on and after XX/XX/year>, I am eligible to receive a XXXX reward bonus. I closed my first account on XX/XX/year>. So, as per the terms, I should receive XXXX dollar reward bonus. But Truist customer service rejected my bank account opening bonus, saying that as I opened bank account second time, I am not eligible for an account opening bonus. Where as the terms and condition clearly states if I had closed the account before XX/XX/year>, I would have been eligible for the bonus. 

I will greatly appreciate if you can reach truist and help me to get my bonus.
Product: Mortgage

This is the second CFPB I am filing because the response to the first CFPB did not address our efforts to resolve this issue. The Affidavit of Lost Note is NOT acceptable to us, as it would be admitting that we have a home equity loan, which we DO NOT. We want CHASE mortgage to find the original note to our house, with our signature, proving that we took out a home equity loan. Since XXXX, 2016, we have been trying to resolve this issue of the 'lost ' note so we can refinance our house at the lowest possible conventional loan rate and not the home equity rate and attachment. We still believe, as told to us numerous times that the loan is miscoded. CHASE says it is not, but they have not been able to prove it. A Lost Note Affidavit is not proof. This resolution is not acceptable to us.
Product: Debt collection

I've contacted this company several times informing them that i did not consent to. authorize nor benefit from any of these inquires ; therefore their reporting of them is inaccurate and incorrect. 
1 XXXX XXXX XX/XX/2020 2. XXXX XXXX XXXX  XXXX XX/XX/2020 3. XXXX  XXXX XXXX  XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you promptly. I am writing to express my deep concern and dissatisfaction regarding the unresolved issues associated with my account at Credit Bureaus. Despite my multiple attempts to address these matters, they remain unresolved, causing significant distress and financial hardship.

initiated the account opening process, and as of today, [ current date ], my account is still not active. This delay is impacting my financial planning and causing undue stress.

Additionally, there are entries related to late closures and charge-offs on my account, which I have been attempting to address. Despite my efforts, these entries persist and adversely affect my financial standing.

Expedite the process of opening my account and ensure its activation at the earliest convenience.

Conduct a thorough review of the late closed and charge-off entries and take the necessary steps for their immediate removal. 

Improve communication channels to keep me regularly informed about the progress made on both issues and the expected timeline for resolution. 

Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your institution 's services. 

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. I am asking for your assistance to correct this late open account and removal of late closed and charge off accounts in my credit file : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX : {$380.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX XXXX XXXX : $ XXXX XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.