23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2017 I XXXX XXXX along with XXXX XXXX applied for a loan with DHI mortgage. The loan officer is XXXX XXXX XXXX. XXXX XXXX called me and advised he would be able to give me a preapproval and that I may begin my search for a home. XXXX XXXX sent me over my preapproval letter via email in the amount of {$250000.00}. He advised XXXX had some nice homes. I advised him that I much rather XXXX XXXX. At that point he was a little dry and asked why. I advised because of the reputation and the reviews. He than began and seemed to be a little dry as if he did not want o deal with me.He kept saying his preferred builder was XXXX. Never the less he advised to me that I may begin to look for a home and go under contract if I see one I like. So I did go under contract with XXXX. I called XXXX and meet with him about 1 week to a week and half before XXXX. He advised give me some time to look at your file and I will then begin to send it to processing in the mean time he sent me over docs showing what my payments would be. So I waited until after XXXX I called him and he advised I see your husband has a judgment I advised he did not that his ex wife forged his signature on a rental home and she is being investigated he advised give me some time to come up with a solution and advised he would call me in two or three days. Well two weeks went by I emailed him, I called him I left messages and he completely ignored me.So around XX/XX/XXXX he called and advised that he needs to see how he can work on this file and not been incomplaint in removing my husband name. It appears like he did not want anything to do with the loan I believe and he made me feel it was because I di not choose XXXX as the builder. This is very unfair and very wrong. So on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I tried contacting him again and still no answer.So I contacted the Corporate office via email and heard back in 24 hours from XXXX at the Corporate office she called me from XXXX contact number. She apologized and said XXXX XXXX has no excuse for ignoring my calls and not responding. She advised he does not know how to handle my file with the bankruptcy and it just being a difficult file. So my question to her could he not have asked for help on this case. He had not even sent it to processing and or to the underwriting for review. HE has completed ignore me and left this file ant the bottom of his desk. So I ask this question to XXXX and she agreed it was not handled correctly at all. I believe this was unfair treatment due to the fact I did not go with his builder of choice. I am now working with another lender and looking at another home. This has been very stressful and I will be looking for an attorney to handle this as well for all the mental anguish this has done to me. As of today he has not even attempted to follow up with me. Below I have copied and paste XXXX XXXX contact information if you.should need. 
XXXX XXXX NMLS : XXXX XXXX XXXX XXXX. ( XXXX ) XXXX Cell. ( XXXX ) XXXX Fx. ( XXXX ) XXXX XXXX dhimortgage.com
Product: Debt collection

Debt collector can not furnish contract or validation of debt for me to pay the alleged debt.
Product: Student loan

I'm the cosigner for my son on his student loan with American Educator Services. The company loses payments or doesn't submit them to process so they can get added interest or late fees. I paid the loan off on XXXX. The loan shows I'm now past due for payment due to them not submitting full payoff to my bank. This company needs to be investigated and there ceo arrested for racketeering with his business practices of not getting and applying payments in a timely manner. I have resubmitted full payoff again today. I'm guessing that it's going to be lost in there junk service computer to get more interest.
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX XXXX I deposited a check that was made out to my uncle for a title loan, and everything was fine till the check was put on hold. So two days ( XXXX ) before the release which is ( XXXX ) my Chase account was restricted. So I called multiple times and got the check verified with my uncle, and even got it verified with that place that gave me the check. But for some reason the name on the check is different from the XXXX XXXX loans place. The check was under XXXXXXXX XXXX XXXXXXXX, it has a verification number on the check but for some reason they cant seem to verify it, Ive given chase bank every single number I can find that will link that check to the XXXX XXXX XXXX  but yet no number pops up in their system. So now my check is in limbo I cant withdraw it or use it just because they cant verify the check with numbers I provided. And they have also given me 10 days to settle if not they will close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had gotten a hold to my information and purchased plenty of things with my stolen debit and Id card I then had to replace along with other things that came up missing in the aftermath. I thought this was something from XXXX that I purchased from XXXX XXXX for XXXX and maybe they may have gotten the amount wrong but I still didnt understand why it is over XXXX Ive never purchased anything for this much but after looking further into after I been trying to figure out what is this and why is it showing up on my credit report this is an unauthorized charge I dont know where this came from and I would like them to investigate this so I can get it removed asap its putting me in serious debt and its not my debt I didnt do this I dont know what this is and have tried calling XXXX XXXXXXXX XXXX after looking up the number online and they never answer the phone I can never speak to anymore I left messages I tried calling another number of theres that came up and I still am not able to speak to anyone
Product: Debt collection

Professional debt mediation is reporting that I owe a debt of over {$14000.00} for an apartment that was fraudulently obtained in my name. I previously communicated this to the company and requested a debt validation to which I received that in no way proved I was entitled to pay them {$14000.00}. I also provided written statements as well as the documentation of legal proceedings against the person who obtained the apartment. The debt was then deleted from my credit reports and now they have begun to continue to report this incorrect information to the credit bureaus thus affecting my credit scores and my ability to obtain credit in my name.
Product: Student loan

On XX/XX/23 at XXXX, I was connected with XXXX XXXX XXXX Aidvantage ( employee number XXXX ). I am signed up for the XXXX repayment plan and have several loans which are well over 20 years since origination. Per documentation found at studentaid.gov, under the XXXX plan, loans at least XXXX XXXX XXXX are supposed to be eligible for forgiveness. I asked XXXX which loans would be eligible and when I can expect them to be forgiven. XXXX did not know the answer to that question and I sat on the phone while she visited studentaid.gov to try and find the answer. XXXX was not able to either answer my question or connect me with someone at Aidvantage who could provide this info. On XX/XX/23, I filed a request with studentaid.gov to see if they could provide info. Despite them sending me an email stating they would respond within 15 days ( attached to this complaint ), I have not been contacted by them. I am supposed to enter repayment this month, but can not without being provided with the information I am requesting. Furthermore, when waiting to talk to XXXX at Aidvantage, the pre-recorded message says that I will receive my first bill at least 30 days before the first payment is due. XXXX said it would be provided at least 21 days before my first payment is due. Not only was she NOT able to rectify which time period was correct, but it is XX/XX/23, and I still have not received my bill, so I am unsure as to when my first payment is due. I verified with XXXX that I am supposed to receive all correspondence including bills via mail, but have not received anything.
Product: Credit reporting or other personal consumer reports

Here is a formal dispute letter you can use to challenge the inaccuracies in your credit report regarding the Self/Lead account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XX/XX/XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX, PA XXXX XXXX : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX XXXX XXXX am writing to formally dispute an inaccuracy on my credit report regarding my Self/Lead account. Upon reviewing my credit report, I noticed that the information reported is incorrect and needs to be updated or removed immediately. Below are the specific inaccuracies : XXXX. Account XXXX : My account with Self/Lead was paid off in full and closed on XX/XX/XXXX. However, the account status still shows Closed without reflecting that it was paid as agreed and in good standing. This could negatively impact my credit score, and I request an update to reflect the accurate status. 
XXXX. Payment History : I have made XXXX XXXX on-time payments for this account, as evidenced by the records. Please ensure that my payment history accurately reflects my consistent, timely payments. 
XXXX. Worst Payment Status : My account never had any late payments, yet there is no information listed under Worst Payment Status. This should clearly indicate a positive payment history rather than missing information. 
XXXX. Term Length Discrepancy : My loan was originally a XXXX ( XXXX ) term but was fully paid off in just over a year. The report does not specify this correctly, which could mislead future lenders. 

I request that XXXX investigate these inaccuracies with Self/Lead and correct my credit file to accurately reflect my positive payment history and loan payoff. Please update the information and provide me with a corrected copy of my credit report. If you determine that the information can not be verified, I ask that the disputed items be removed under the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of my credit report, account details, and supporting documentation for your reference. 

Please respond to this dispute in writing within XXXX  days as required by the FCRA. If you need any additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I sent {$10.00} to Sychrony from XXXX attracted by their advertised 3.75 % rate on a high yield savings account. After this posted, I then sent {$4900.00} on XX/XX/XXXX. 

I opened an account with them after reading decent reviews, but after doing more research, I have found lots of negative reviews and I do not have reason to trust this bank. 

Today, on XX/XX/XXXX am trying to close my account with Synchrony and return the funds to the account that I funded my Synchrony account with ( my trusted XXXX bank account ). Here is the rub. I am currently overseas living in XXXX on a work visa XXXX XXXX XXXX XXXXXXXX XXXX. I do not have access to my US phone number while physcially in XXXX and can not pass their 2 factor authentication to log into my account and make a transfer and close the account. When I called their account, they told me they had to confer with the back office in and make a decision. They did not provide a case number, just a name of a supervisor along with their extension. This seemed suspicious to me. I read more reviews of their negative customer service and now I am worried about my money. I want it back in the bank account ( XXXX ) I used to fund this account and I want to close my account with them.
Product: Money transfer, virtual currency, or money service

They just hold my money for no reason. Even after stating it wasn't a business transaction but it was a personal gift transaction from a friend. Paypal decided to hold the money
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND FUNDING LLC is reporting on my credit reports that I owe {$2900.00} to a XXXX card this is one last chance for MIDLAND FUNDING LLC to DELETE from my credit reports or i will sue both MIDLAND FUNDING LLC and the credit BUREAUS for reporting fraudulent information on my credit reports. This was paid in FULL and I only had a {$500.00} credit limit the card was paid in full. They supplied me with credit card statements but nothing showing why they say I owe {$2900.00} when I only had a {$500.00} credit limit which was paid in FULL I do not owe this and i will win in court if I have to go that route. I think this may have been part of the XXXX breach. The dicuments sent prove nothing
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX  I filed a complaint with the credit reporting agency about my personal information being incorrect. As of XX/XX/XXXX  the information hasn't been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone moved into an apartment using my information using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX XXXX Both accounts ) This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up another car loan using the same social security number, birthday, etc. I had already bought a car here and they took advantage from XX/XX/XXXX. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

I have attached a police report proving this, so please remove it!
Product: Credit card or prepaid card

I am writing to file a complaint against Citi Credit Card for failure to honor its Bonus Cash Back offer. I applied a Citi Double Cash Mastercard in XX/XX/2020. According to the approval notice, there is a {$50.00} Bonus Cash Back after {$500.00} in purchases within 3 months of account opening. I spent {$940.00} and {$870.00} in XXXX and XX/XX/2020, respectively. I have long met the offer requirements and I contacted Citi Credit Card 4 times regarding the cash back. To date, Citibank has not provided me the {$50.00} Bonus Cash Back. 
I contacted Citi representative in mid XXXX. The representative refused to give me the Bonus Cash Back. The representative stated that my current bill was past due meanwhile the bill was not yet due. On XX/XX/2020, I contacted Citi Credit card and the representative told me that the Bonus Cash Back would appear in the XXXX Statement ; however, there was nothing happen. On XX/XX/2020, I contacted Citi Credit Card. This time the representative told me that I still had {$430.00} left to spend and I had not reached the {$500.00} purchase requirement. On XX/XX/2020, I contacted Citi Credit Card, the representative told me that the Bonus Cash Back will appear in my account. As of XX/XX/XXXX, Citi Credit Card has not provided me the {$50.00} cash back. 
Citibanks offer appears to be misleading. I met the requirements in XXXX. Now it is XXXX, there is still no cash back. I contacted Citi four times. Of which, 2 out of 4 times, the representatives refused to acknowledge of my entitlement to the {$50.00} Bonus Cash Back. Citibank should provide robust training to its representatives on how to review customers accounts and be familiar with its new products instead of making bold and misleading statements on a black and white written offer. In addition, if the offer is invalid then Citibank should not advertise such offer to the public to mislead customers. When a customer makes a late payment, Citibank charges a hefty late fee. Citibank put my cash back on hold, what late fees and interest should they return to me?
Product: Mortgage

I have refinanced a second mortgage through XXXX, XXXX XXXX, XXXX XXXX XXXX My previous holder was NationStar at 11.5 %. This asset transfer was completed around XXXX/XXXX/16. NationStar, XXXX XXXX, confirmed with me yesterday, XXXX/XXXX/16, that they have received payment in full and would send me confirmation. I received an email from XXXX, ( That had a no reply hold of email reply ) that there was a balance of around {$270.00}, after she confirmed the balance was confirmed as paid in FULL. I am in the process of other refi 's that can not continue until we have confirmation of this loan payoff. I was very upset that NationStar did provide documents that this loan with them was paid off as per XXXX. When I spoke to XXXX today, XXXX/XXXX/16, as I was upset, she hung up on me. All I want is to have NationStar agree in writing that my loan with them is paid in full. It is very simple. They have their money. Please send confirmation. XXXX email has a no response lock on her email. They are worse than XXXX. 
XXXX
Product: Mortgage

Hello, My wife and I made formal loan application with KeyBank via their loan application web portal for a new HELOC against our primary residence back on XX/XX/XXXX. We believe our borrowing profile was/is really strong ; both having 780+ mid credit scores, low CLTV, low DTI, steady income, and lots of reserves. 

Two weeks went by and a letter from KeyBank arrives requesting further documentation. By the following business day, I had all requested documentation fully submitted as directed via secure e-mail and a confirmation of receipt. Then another week goes by and one of their Loan Reps reaches out saying that they see my submission but some of the documentation did not come through ( not sure how that can be ), and asked for me to resubmit directly to him. I did as requested within 24hrs of receipt. 

After the above... nothing. No reply, no response, no credit decision of any type. I reached out one last time on XX/XX/XXXX requesting status via their webportal and direct with the Loan Rep, still nothing back. A blaintant violation of RESPA. Here we are almost 1yr later from our formal loan application and still NOTHING! 

It is silly to me that banks will get bailed out for their own mismanagment, but yet can not be held accountable for not abiding by the law. It makes us little guys wonder what's the point of having " laws ''.
Product: Debt collection

Roughly two weeks ago a new collection was placed on my credit by Southwest Credit Systems. I was never notified of them purchasing the debt, I have no recollection of having an account with the original creditor they have listed and I was never given the opportunity to dispute the debt.
Product: Money transfer, virtual currency, or money service

I am filling a compliant against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I have gone through a trial modification of my mortgage for the past year and a half when i sent my mortgage payment to M & T bank they sent the check back stating my home was in foreclosure since that time i have sent them proof of my cancelled checks and they have just been dogging me around
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX multiple disputes and an FTC ID Theft Affidavit. I chatted with a representative on XX/XX/23. He stated that they rejected my FTC ID Theft Affidavit on standards that do not meet FCRA 605B. XXXX is in violation of FCRA by having not blocked the fraud within 4 days of receipt. 

I have sent the same disputes to Equifax and they also have violated FCRA 605b by not responding with the 4-day requirement as indicated the law. Equifax also refuses to remove a duplicate erroneous account despite multiple disputes.