23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I obtained an FHA mortgage through Houston-based Crestmark Mortgage, LLC, to finance our new-build XXXX XXXX. The process has been a nightmare, with a complete lack of communication and the lender repeatedly losing our financial documents. We held our noses and did our best to cooperate, being as proactive and responsive to requests as a mortgage consumer could be. 

The worst part of my experience - and the basis for my complaint to the Consumer Financial Protection Bureau - happened on Thursday, XXXX XXXX ( noting our scheduled close date, happening on Monday XXXX XXXX ). Late Thursday evening I was finally provided with the Closing Disclosure document ( without any explanation, by phone call or email, to notify me to expect or attempt to explain the purpose or contents of this document ) via XXXX XXXX. 

Not wanting to delay the coming close date, I read and reviewed this Closing Disclosure immediately. I found that the figures contained within ( specifically, Seller 's Contributions to Closing Costs ) did not at all line up with what I had been told early in the process. I emailed back directly and told the entire lending team at Crestmark that I believe the document they sent me contained errors, and would not sign it until it had been corrected. 

I forwarded it immediately to my Buyer 's Agent to review - less than one hour later, the document had been pulled from XXXX and she was no longer able to review. I assumed that they also noticed errors, or were perhaps reviewing the prepared Closing Agreement again to check. 

The next morning, I woke up to an email from the Loan Processor directing me to sign the Closing Agreement as they had sent it the previous night, and that failure to do so would result in missing our closing date. I was directed to sign immediately, even though it was acknowledged to contain potential errors, or risk losing my new home. 

I wrote back immediately to say that I would under no circumstance sign legal document I feel to contain errors, and that I find it reprehensible that mortgage company would push clients into signing ( potentially ) inaccurate documents all while holding threat of losing a home over the buyer 's head. 

As a point of fact, I will admit that the Closing Disclosure did not have errors - I was mistaken and ( with all my worldly experience as a first-time homebuyer ) I did n't understand what I was looking at. My frustration lies in the fact that no attempt to educate, clarify, assist, explain or enlighten was made to me prior to or immediately after sending this document. I was only called several hours AFTER the loan processor pushed me to sign a legal document I had expressed concerns about - and possibly only called because I pushed back. 

Is directing clients to sign inaccurate documents the norm for Crestmark Mortgage? I should n't feel pressured into any step of such a large financial decision, and I think Crestmark exhibits both poor customer service and poor judgement.
Product: Prepaid card

assessed automated fee without sufficient disclosure. Can not talk to customer rep without incurring {$1.00} fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  on XX/XX/2022. That someone sent to XXXX and tried to close the account. I do not have any XXXX cards. I do not live in XXXX. My location is monitored so who ever used discover was not me.. I would like to be monitored to ask if its me getting XXXX XXXX. I would think I would be emailed if I received a credit card.I would like to know how someone is accessing my account with not even any text or anything, recognition to prove its me when I only log in by face.
Product: Credit card

I have contacted discover bank 2 times about paying off an account. I have not been able to pay the account as no one has gotten back to me. I have called XXXX ready to submit payment, and I have not access to the account and have contacted to resolve the issue and was told that a note to unlock the account was sent but I have received nothing. This is my third time asking that discover provide a way for me to submit payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to look properly at the documents that I've attached.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a text message from Chase bank that they suspected fraudulent activity on my account and wanted me to verify two specific transactions. I replied " no '' that I hadn't made those transactions and immediately got a reply text stating that a Chase representative would be in touch. I received a phone cal within a minute or so and the representative asked me to verify information. I was skeptical and asked him to identify himself. He said his name was XXXX XXXX, recited an employee ID number and told me I could verify the number he was calling from as a secure Chase number, XXXX. I verified the number from my landline. He then texted me a link and told me he needed access to my phone to ensure that it hadn't been compromised. I asked him to hold and I got my Chase Business Rep on the phone who verified that the call was fraudulent. Within 5 minutes, there were several pending transactions including two wire transfers totaling {$83000.00}. Chase told me that they locked the account down and asked me to come to the branch. Once there I worked with my Chase Rep to secure my accounts. About 90 minutes later the wire transfers went through and the money was withdrawn from my account.
Product: Checking or savings account

I advised Citibank N.A. that I would be traveling to XXXX, XXXX XXXX, and XXXX. On XX/XX/XXXX while i was out with my parents, i purchased a product and my debit card was declined, so Citi blocked it for potential fraud, I got a call and I told the rep. that the transaction was legitimate and she released the block on my card. On XX/XX/XXXX I was grocery shopping with my mother and when we reached the cashier, my card was declined. I called customer service and the rep told me that the information I gave them didnt match to the account owner. I have been the owner of the account for over 10 years. Somehow, after hours on the phone, one of the reps explained to me that the girl who helped me on XX/XX/XXXX had, somehow, without filling out any forms, changed my personal account to my mothers name- I have an interest joint account with my mother- but she was never a co-signer on my personal checking account. The reps and supervisors acknowledge the mistake made by Citi and told us the only solution was to come in to a branch. I had just started my vacations! When asked if they would subsidize the plane ticket for me and my mother to come to NY and fix a mistake their team made, the answer was no. After 3 hrs on the phone, one of the fraud dept representative told me my card would be functional and linked to my personal account which now the owner is my mother and Im a co-signer! As long as I can use my debit card. 
On XX/XX/XXXX I headed out to XXXX XXXX with my parents and my uncles, all XXXX year old. And my card gets declined at the restaurant! Again I spent avg 1.5 hrs on the phone explaining what the error Citibank rep had made and to please allow me access to my money- Today XX/XX/XXXX Im in XXXX XXXX sitting at a restaurant trying to pay the bill, my card is declined! Now Citibank decided to change my debit card to primarily work with the interest checking joint account I have with my mother!! How can they be changing all this without any authorization!? 
The amount of stressXXXX XXXX time spent on the phone, headaches, even shame Citibank has caused me during this vacation is intolerable. As per my XXXX XXXX XXXX  this trip should be relaxing and calming before I get back home- Citibank made this impossible. Ive spent around 8hrs in total on the phone with Citibank XXXX and they all come to the same answer : you need to fix this in a branch. 
Why do I have to fix an error they made!? 
More importantly, how can a rep change the ownership of an account to another persons name? Without filling out the proper forms or in compliance with regulations and standard XXXX procedures.
Product: Credit card or prepaid card

I spoke with a manager who released the block and a customer service representative said I need to make the minimum payment I explained that not only was my account used Fraud previous but two payments were returned because my banker gave me the account number with one digit off and that is why the checks returned and I explained it to a manager who removed the block as a one time courtesy I what the fraud resolved and the account unblocked since a new card has been sent
Product: Checking or savings account

{$5000.00} charged to my debit card, I did not make that charge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, Equifax XXXX, I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 15 USC 1666b 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. 
I NEVER gave You, CREDIT REPORTING AGENCY OR ( XXXX XXXX XXXX XXXXXXXX ) any written instructions to furnish Any information on my consumer report which is a Violation of 15 USC 1681b.

Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You CREDIT REPORTTING AGENCY, should be ashamed of yourself for ASSUMING this role and Position. 
To constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAYS or PAID AS AGREED XXXX I was never late on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on this account please update the account as Paid/Current. 
XXXX I was never late on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the fair Credit reporting Act, I demand the these Items be investigated and removed from my report and I demand that you proving me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with The creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 168i ( a ) you must complete this reinvestigation within 20 days of receipt of this letter.

Please send an updated copy of my credit report Reflecting the requested Changes. 

Best Regards, XXXX XXXX ( Agent Beneficiary ) Without Prejudice, All Natural Inalienable Right Reserve
Product: Credit card

Reference Number : XXXX I submitted a dispute with Amex that XXXX didnt receive the merchandise. 
The merchant provided a photo of the return, which showed that they did not receive the bracelet. Therefore, the merchant concluded that I took the bracelet. 
Then the merchant provided the receipt of my purchase and XXXX 's signature. Ironically, the signatory is not me, and this person signed with an illegal ID. 
The merchant was sure that I didn't return the goods, because I didn't receive the goods at all. 
In the week when the incident happened, the merchant contacted me and said that he had not received the goods. And the merchant mentioned that they had filed a claim with XXXX  and I also provided the police reports. 
In the face of so much evidence I provided, Amex still rejected my dispute. 
Sum up, package was signed by an invalid XXXX is not responsible for this purchase.

And the merchant doesnt have evidence that XXXX XXXX the package and have the merchandise in XXXX XXXX. 
Please ask for certificate of receipt signed by the Cardholder from the merchant. XXXX indicates that the merchant has an image that shows who signed for it. The merchant has not provided this document. Please ask the merchant to provide this document!! 
I won't pay this bill. I will fight until the end.
Product: Mortgage

On XXXX, XXXX, I called Selene Finance concerning the mismanagement ( XXXX up ) of my Mortgage payments from XXXX. I insisted on a supervisor, was given XXXX, who assured me it had all been straightened out. I requested in writing. I also noticed on my XXXX Mortgage Statement ( only the XXXX I received after a year XXXX with their company ) that there was a charge under " Corporate Advance ''? I asked what that was for. He responded that it was for Attorney Fees in regards to my Bankruptcy. Now mind you, I filed for Bankruptcy in XXXX of XXXX and my home was NOT included in the BK ( my mortgage was with XXXX XXXX XXXX at the time ). In my mortgage file at XXXX there were all the necessary documents from the Judge & my attorney stating my home was not included and when my loan was bought by Selene Finance, I made sure that file was faxed over to them in XX/XX/XXXX-Selene confirmed that they had it, but because I was in BK, I would not receive monthly statements. My BK was completed in XXXX XXXX and I had my attorney send the letter from the Judge stating that and now I want my monthly statements. It took them 3 months to do that. I also checked with the Court & my Attorney-Selene Finance had NEVER had an attorney inquire into my BK. AND if they had, why was I NOT notified that there would be cost to me??????? XXXX told me I needed to send in an email disputing the " Corporate Advance '' charges, which I did on XXXX XXXX, because I had NOT been receiving statements, how long they HAD been charging me and WHY they would still be charging me when my BK was completed 3 months ago? I called Selene on XXXX XXXX, because I had not received a return email ( at least stating they had received it and were working on it ) XXXX stated a computer generated letter was sent to me on XXXX verifying they had received my email and that FEDERAL LAW requires SELENE Finance XXXX to respond within 30 business days. I did receive that on the XXXX ... ..It has NOW been XXXX BUSINESS DAYS and I have not had ANY response! So, I called Selene this morning to find out why-was transferred to XXXX ( supervisor ) who had NO answer but was going to email the Loan Resolution Dept and apologized. I told him according to his companies letter, Selene was NOW in violation of the FEDERAL LAW and I am NOT going to go through a five year nightmare like I did with XXXX. So, here I am.
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 XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I listed accounts to be blocked and deleted company information Transunion. Please delete the following account -- -- XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX. XXXX  XXXX XXXX Account XXXX
Product: Mortgage

We were working with a JMAC Lending loan processer, XXXX XXXX, on two mortgage refis. She lied to me, claiming XXXX XXXX had requirements for me to supply additional documents. I looked up the XXXX   XXXX Selling Guide, sent it to her proving her wrong. She called me up, started an argument, yelling at me, then hung up. Then she sent the mortgage broker an email, lying about our phone call. 

Since then, XXXX keeps coming back, claiming the underwriter needs more info on both of our loands. For instance, we provide 12 months of bank statements, now she wants 13. How is that relevant. She is interfering in our loan process, intentionally causing unecessary delays, along with making false statements about us. Our loan was supposed to close this week, but that looks unlikely. In fact, XXXX is interfering so badly, it does not appear as though we will even close, ever. 

Now, no matter what we do, with each new " request '' from underwritting, I send in the information and we're met with yet another new request. 4 times now. Friday, Tuesday, Wednesday morning, and AGAIN Wednesday evening. Extraneous requests for absurd information. 

Even the loan officer, who normally doesn't interact with underwritting, has lodged a complaint. 

Our loan lock will likely expire before the laon closes, due to XXXX 's unethical behavior. Rates have gone up and it will cost us more money because XXXX is retaliating, sabotaging our loan approval. 

If we have to abandon this lender due to XXXX sabataging our loans, the rates have changed, they have gone up since we started this proces. That will cost us even more money.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report XXXX and was in complete shock with multiple duplicate inquiries I seen negatively impacting my credit and without consent. All on my XXXX credit report I have NEVER heard of a company called : 1. Vally NTL BKXXXX XXXX that appears on my XXXX Credit report XXXX 2. XXXX XXXX XXXX inquiries XXXX The below listed company did 3 inquiries on my credit report which is excessive. Four sight XXXX, and XXXX. One inquiry for an approval should be suffice, not three.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account Name : XXXXXXXX XXXX XXXX Original CreditorXXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

i recieved a letter from XXXX XXXX  XX/XX/XXXX stating they were removing my discharged Bankruptsy from my file, i will attach the letter. I sent this notice to XXXX they deleted, my XXXX Bk  from there file. i sent the same letter to XXXX and Equifax. i disputed this item over and over, sent in proof of tne letter fro m XXXX XXXX, the Bk from XXXX still remains on my file. in fact on most of my disputes, the resukts page they are unsure what exactly i am requesting of them. i called XXXX XXXX they said tnat my bk from XXXX has been deleted off their verified system. They were filing a Description of Procedure amd disputing it be deleted from the unverified file system. after learning this i filed another dispute with XXXX  and equifax. i received a letter from equifax XX/XX/XXXX i will forward. they explained to me that my bk acct was verified with XXXX XXXX as accurate and would remain on file until XXXX? how can they verify an acct as accurat that has beeen deleted off the verified and unverified ; files? i called Equifax in late XXXX, the associate that answered my call told me they dont even need to forwrd the dispute to the 3rd party verifier as long as it shows that the informatuin at some point was verified? that doesnt seem right? what must i do to get this file deleted off my report. i hope you are able to help with this situation. i also feel that only being able to use 100 and 200 words in a consumer statement to clearly describe a situation hardly enough to have you fully undersdtood
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate inaccurate account information on my credit profile on XX/XX/2023 and XX/XX/2023 Its now been 45 days since I sent my inquiry, but I have yet to receive a response. 
Im looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dreams.
Product: Consumer Loan

I purchased a vehicle through XXXX in XXXX in XXXX. From the get go the deal has not been good. The dealership lied to me, and would not take off gap insurance that we asked to be taken off a day or so after the loan. Now, the dealership did not inform me that the customer service for the financial institution is all outsourced to XXXX or the XXXX. I can never get anyone who speaks XXXX at Ally Financial, and now, today, I learned that they have taken almost {$600.00} too much out of my account. My payment was supposed to have been {$290.00} and they took over {$790.00} out. I have a corporate contact at Ally due to some of the other issues we 've had and even she argued with me saying that it appears I initiated the payment to go through. I did imitate XXXX payments, XXXX for {$150.00} and XXXX for {$290.00}, but for whatever reason they charged what they did. I have had to go to my bank to dispute the incorrect portion. 

Ally Financial is a joke! They are hideous and they do not help. I also have reason to believe I was hacked when the car deal went through as I have had to change banks, phone numbers, and even email addresses since purchasing this car. We may have been hacked prior to the car deal, but we have had nothing but trouble and my credit score has dropped significantly since all of this happened. The issues I 've had are well documented, and I eventually had to email their investor relations just to get someone who spoke XXXX to call me. 

Today is the last straw. They will not help me with the incorrect amount they charged out of my bank account and I have to file a dispute with my bank now. I am so upset about all of this. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

JP Morgan Chase froze my checking account today. They would not tell me anything except that in 10 business days my account will be closed, 10 business days after that I will receive a cashiers check, and I will receive a letter in the mail. They refused to give me any other information. I spoke with 5 different people in the fraud department today and they all said the same thing as noted above. 

My problem is that I had {$24000.00} in the account which is all the money that I have. I have no money to pay my bills, for food, or gas for my car. 

What can be done to get them to release my money immediately? I can not wait 20 business days to receive at check.