23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I approached XXXX XXXX of Millenium Home Mortgage in XXXX regarding mortgage refinancing. I told him I would like to refinance my house in XXXX to take advantage of the lower interest rates. So, I set out to explain my situation. I told him my house was rented out and the lease would end in XX/XX/2015. Furthermore, I told him I was living in a rental apartment in XXXX, but planned to move back to the house in XX/XX/XXXX, as soon as the tenant moved out. So, I asked him if he could help with the refinancing, and he said yes. He further stated that he could refinance my house as owner occupied, provided I was able to provide strong motivational reasons for moving back to the house as soon as tenant moves out. So, I provided all required documents and paid the appraisal and mortgage fees. 
After paying the fees, the appraisal was done and my house value came back ok. 
To my surprise, XXXX XXXX told me the financing could not be finalized until I move back to my house. He stated that I told him I was going to move into my house before the refinancing is concluded. There was never a time I told XXXX XXXX this. 
I believe I have been misled into parting with my money and would like to know if there is way to have my money returned to me. Thank you.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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, according to 15 USC 1681 ( e ) ( b ) - According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Mortgage

I got a letter from US bank in XX/XX/XXXX ( not XXXX  ) mentioning that my personal checking account ending with XXXX will be closed on XX/XX/XXXX. The letter stated no reason for why that was happening, but they did end up closing my checking account along with my other credit cards with US bank despite the facts that : 1- the checking account was being used to pay off my monthly mortgage payments with US bank itself and was getting my W2 income from XXXX XXXX deposited into the account. 
2- I never had returned checks or over-drafted the account, which was open for more than 8 years. I also never had a single late payment on my credit cards and my credit utilization never exceeded 10 % of the limit. In fact, I was barely using those credit cards for the last 2 years before they were closed. 
3- My credit score is excellent ( XXXX is the median score ) and I never had such issues with other banks either. 

I called US bank, and they said they could offer no explanation but directed me to try reopening a bank account in a branch, which was rejected when I tried applying at various points in time inXX/XX/XXXX with XXXX XXXX in the XXXX branch as well as in their XXXX XXXX branch within XXXX in the same month. Neither bankers I applied with provided me with any explanation as they could not find out themselves either. I tried again doing so in XXXX XXXX after more than a year passed on the account closing, but the agent trying to help me mysteriously failed from establishing a new account again! 

The main frustration has not been as much about not have the bank anymore ( though it became inconvenient as paying my USbank monthly mortgage ended up being more hectic given that US bank charges fees for payments made from non US bank accounts posted after the beginning of the month but before the payment due date ). In fact, what frustrated me so much and made me feel really take advantage of was how I had my HELOC with USbank too resulting in an annual fees of XXXXusd that was getting waived otherwise ( because of my bank account with USbank ) now getting charged! The fact that my USbank checking account closure comes at completely no fault of mine and that this has resulted in me paying some price for that too, contrary to the state I had with US bank upon signing my HELOC paperwork with them is very undesirable and unethical either. In fact, I would not have established a HELOC with US bank if I knew they would make me feel tricked like that! Moreover, closing a HELOC now is not an option either given that USbank would penalize me for doing so prior to having had it open for more than 3 years. One way or another, USbank is cutting me loose, and this approach they are pursuing is terribly bad.
Product: Checking or savings account

On XX/XX/XXXX I was suppose to receive my early pay from Capital One at about XXXX, however it never deposited On XX/XX/XXXX about XXXX I called customer service and asked him about early pay deposits, they said they do not see a deposit on my account and perhaps early pay can be 1 to days before the actual pay date From XX/XX/XXXX at XXXX to XX/XX/XXXX about XXXX I kept checking my account for my deposit and nothing I kept seeing on my account on XX/XX/XXXX that there were having technical difficulties, however there was no timeframe of when this will be resolved I called customer service and the lady said that she does have a timeframe At XX/XX/XXXX I received an email saying this matter should be resolved by Friday XX/XX/XXXX in the morning. However it is XXXX and still updates or deposits Please update immediately in regards to Capital One bank accounts
Product: Money transfer, virtual currency, or money service

I have ongoing complaints with VENMO, I have been trying for three years now to collect funds that they said would only take 180 days to get a resolution for. The first complaint I submitted here they responded to, someone called and said a check will arrive within 2-4 weeks. After 4 weeks, I was told another 4 weeks. Since XX/XX/XXXX, it has now been 3 months and I have yet to receive my check and also I have deducted the amount from the balance for the check, but no no one is responding to the requests, and phone reps keep saying " Someone '' will return my call but its been over 3 years and 6 months and I have not received a dime. One the last complaint to you all, the said company responded to say " its not that company, wrong company ''. Venmo which is owned by Paypal has kept my funds after being told they are sending out a check. For whatever reason they didn't just transfer my funds to my bank that has been there for years. A small social security check was deposited in the amount of {$670.00} in to my account. After sending the birth certificates, social security cards, ID, and bank statements, giving them all my info they still keep my funds for what they said was 180 days, which has now been almost 4 years. They sent a statement showing the remainder of my {$6700.00} check being sent to me but there has been nothing in my USPS informed delivery. Now no one is answering my online requests no giving me a resolution on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Product: Debt collection

Although XXXX 's Hospital of Texas acknowledged receipt of my request that my dispute of their bill is under review, their collection agency, Financial Corporation of America, has sent me a bill.
Product: Student loan

In XX/XX/XXXX I applied for public service loan forgiveness. I have worked for a XXXX   XXXX since I received my XXXX from XXXX University in XX/XX/XXXX. On XX/XX/XXXX I received confirmation that my application was in review. I later received a letter stating that I did not qualify because I had a FFEL loan instead of a direct loan. I was then asked if I wanted to consolidate my loan. I explained that I had already consolidated. I was then told ( by XXXX ) that they could change my loan over to a direct loan but I would have to start the 10 years over again. 

Recently another company contacted me to discuss my application. They recommended I contact XXXX and request the Temp Public Service Loan program. I was again denied - the customer service rep informed me that had nothing to do with the kind of loan I had but rather the type of payment plan I have. This makes no sense. I have paid consistently on my loan for 19 years, I have never missed a payment, I have worked for a XXXX for 19 years and yet I am being discluded from a government program which supports an individual such as myself. 

This is absolutely heartbreaking. When you are a student, the university gives you two choices - private or government loan. I did not even know that a FFEL was different from a direct loan until XX/XX/XXXX. I still do not know why a FFEL is any different than a Direct loan. This process has been very confusing and misleading. 

Loan is currently with Navient - previously with Sallie Mae. 

I would be willing to share by application previously sent to the department of education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 Credit Bureaus and let them all aware that I am a victim of fraud. I did not request for XXXX XXXX NA to access my credit profile. In return the representative told me that they can not delete the inquiry.
Product: Debt collection

Not sue when this company posted this account, but it is not mine and was posted by WORLD FINANCE CORPORATE IN THE AMOUNT OF {$1400.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Finanical Protection Act ( CFPA ) ,12 U.S.C & & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX  XXXX XXXX inquiry on XX/XX/XXXX JP Morgan Chase inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX The inquires were not authorized and I dont recognize them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with first progress my credit limit only XXXX. They had me paying back XXXX not reporting the correct information after receiving my payment.
Product: Credit reporting or other personal consumer reports

I got married XX/XX/year>. I contacted all three credit bureaus asking. What do I need to send them to have my name legally changed? They told me what to send. I sent it the exact way and the exact documents that they requested five different times and it is still not been fixed. Also, my address is go back to I was XXXX XXXX XXXX and my bio score is not up-to-date with Trans Union or Equifax it just tells me that it has not been updated because I have not paid for it to be updated.
Product: Mortgage

RE : Wells Fargo 1st. Mortgage loan # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and EquityLine w/ FlexAbility : # XXXX XXXX XXXX XXXX XXXX XXXX Home located at : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WA XXXX My husband XXXX XXXX XXXX died on XX/XX/XXXX. 

Wells Fargo held both our mortgages. There were two loans against the property. The first mortgage which was in both our names, and a second loan which was an equity line of credit in XXXX name only. 

XX/XX/XXXX I communicated XXXX death to Wells Fargo and started the process of removing his name from the mortgages via loan modification. During this process I asked if we had insurance on the mortgage against either of our deaths. I was told that there was no insurance. I requested that the loans be consolidated. I was told repeatedly that the equity line of credit account had been written off/forgiven and that I did not have to make any further payments. 

The first loan was modified. 

Subsequently, there has been a circus of mishandling the equity line of credit involving Wells Fargo lying to me constantly about whether the loan was written off or not. Eventually, the home was put into foreclosure. 

Now after three years I have been told there was insurance after all and that the equity line of credit has been paid off and the balance is XXXX  and the lien has been released. Hopefully that's true, but I haven't seen it in writing yet. 

OK now my complaint is that I was wrongly told there was no mortgage insurance and was put through XXXX and expenses I could not afford. Furthermore, I believe a the time of XXXXXXXX XXXX death, we had insurance against the first loan as well. Since Wells Fargo was negligent regarding insurance on the second equity line of credit, they were probably wrong about the first mortgage. 

Please conduct an investigation into the mishandling of my mortgages after the death of my husband, Please determine whether I had mortgage insurance at the time of XXXX death on both loans and whether the first mortgage should have been paid off by the insurance company prior to modification. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX XXXX
Product: Credit reporting or other personal consumer reports

I send this compliant because of the inaccurate account reporting on my credit file. I want this to be apprised or removed. 
XXXX  XXXX XXXX XXXX XXXX : {$0.00} This account reporting different from other bureau. The balance is XXXX. Please take action to investigate this.
Product: Debt collection

I was contacted on Saturday XX/XX/XXXX by XXXX XXXX XXXX. I was threatened by the agent and harrassed by being called several times over a debt that has nothing to do with me.
Product: Debt collection

I sent a dispute letter to  Discover Financial Services  on  XXXX / XXXX /  XXXX   via certified mail and was received on  XXXX / XXXX /  XXXX   at  XXXX  I never received any verification about the account after 31 days of no response to my dispute I contacted  XXXX ,  XXXX , and   XXXX    and only  XXXX  has deleted this account from my file please help to get the other  XXXX  to remove this unverified account
Product: Debt collection

Bank of America did not contact me in regards to my debt and did not provide me an opportunity to dispute the debt, before they placed the debt on my credit report. Bank of America also placed recently placed additional negative comments on my credit report, on XX/XX/2019, while under dispute with the CFPB. They also did not contact me about the negative comments they placed they recently placed. Also, they reported debt without contacting me and without providing me the opportunity to dispute it, even after reported to them that my identity was stolen. Bank of America also reported 3 different incorrect balances on my credit report, to the credit agencies. Bank of America also did not report the payments that were made on the account. Bank of America did not contact me through my current address nor at my current telephone number, even after I provided them with the updated information. As reported previously, when I contacted Bank of America a couple of months ago, a representative and a supervisor out of the California office ( she stated where she was from ) stated that they do not send out documentation to consumers, but that they call them. I informed them that they had the incorrect information for me, including address and telephone number and that calling is a sign of fraud, as that is how fraudulent activity occurs and that it is not a solid way to verify if they are really calling from Bank of America and that it is why they should send letters, particularly after my identity had been stolen. However, after trying to contact someone higher than a supervisor to put in a complaint, a 3rd representative stated that they do send out letters, however, after verification, Bank of America had the incorrect mailing address for me, even after I had provided them the correct address over a year ago. Bank of America put the information on my credit report without allowing me the opportunity to dispute any charges that are incorrect. Also, a representative named XXXX, from the Bank of America complaints department, called on my current number on XX/XX/2019, during my dispute through the CFPB, stating that I must call her before XX/XX/2019, to verify that it was actually me that put in the complaint through the CFPB which I find to be improper, as if it was important that they knew it was me that put in the complaint. I find this to be improper because the CFPB is a legal entity and verifies all information before submitting the complaint, therefore, Bank of America should not have needed to contact me regarding that I verify that it was me who put in the complaint, but to maybe to discuss the issue. The representative never called me back, even after I left a voicemail. I still have the telephone message for proof. The representative also never answered the telephone after I tried several times to contact her. This is another example of Bank of America 's improper communication issue. This seems like a form of retaliation for them to want to know if it was me who put in the complaint, instead of contacting me to possibly discuss and resolve the issue/complaint.
Product: Credit reporting or other personal consumer reports

XXXX  Car obtained via id theft using paper id copy. One of many loans obtained this way. Item shoes on my equifax report still after it was removed from XXXX and XXXX. Ss number last 4 is XXXX
Product: Money transfer, virtual currency, or money service

Someone downloaded and used my personal Cashapp without my knowing. Over {$8000.00} was stolen from my account without my knowing.
Product: Checking or savings account

My bank account with BMO was falsely closed and didnt provide reasoning as to why my account was closed. Instead of issuing me a check for the remainder balance in my account BMO sent my funds to unclaimed property without reasoning or asking me to provide documentation for my balance. I received a IRS business tax return which was deposited to my last bank which was XXXX XXXX  and I decided to end my banking relationship with them and come to BMO. By doing so I cashed my check from XXXX with BMO and BMO randomly closed my account after verifying the check and letting the funds clear. After falsely closing my account and sending my funds to unclaimed property without asking for proof of documentation. This has to be illegal, I spoke to XXXX different BMO executive agents each all told me different things without explaining why my money was being sent to unclaimed property. The first executive agent told me my account was closed and a check was being mailed, the second agent rudely told me there is nothing he can do and my money is just gone, and the third agent stated I need a hold harmless letter/claim from XXXX XXXX so that can BMO can release my funds back to XXXX XXXX XXXX XXXX XXXX doesnt even know what a hold harmless letter is, BMO didnt even ask for additional documentation before sending my funds to unclaimed property.
Product: Credit reporting or other personal consumer reports

RECENTLY I PULLED MY CREDIT REPORTS BECAUSE I WANTED TO APPLY FOR A MORTGAGE AND REALIZED THAT I HAVE A PUBLIC RECORD ON MY CREDIT REPORT. I HAD A BANKRUPTCY BUT I NEVER HAD A BANKRUPTCY IN MY LIFE. I NEED THIS REMOVED IMMEDIATELY. I HAVE A RIGHT TO PRIVACY AS A CONSUMER AND TRANSUNION, XXXX AND XXXX ARE VIOLATING MY RIGHTS. I DIDN'T GIVE THEM THE CONSENT TO FURNISH THIS INVALID AND INACCURATE INFORMATION ON MY CREDIT REPORTS. THIS IS UNFAIR AND AFFECTING ME TREMENDOUSLY WITH THE BANKING SYSTEM AND THIS IS ALSO RUINING MY REPUTATION. I DEMAND THIS GET REMOVED NOW
Product: Credit card or prepaid card

I initiated a balance transfer with XXXX XXXX XXXX on XX/XX/XXXX from an account I have with XXXX XXXX. I was immediately concerned as the confirmation email did not have any details such as account number for the money being transferred, only XXXX XXXX 's name and the amount of {$1500.00}. 

I called on XX/XX/XXXX to confirm the details and told to expect an email with details I called on XX/XX/XXXX to express there weren't any details and was told it takes up to 30 days to process. They could not confirm the account number it was sent to I called on XX/XX/XXXX after realizing the amount was charged to my Comenity account and again was told it takes up to 30 days to process I called on XX/XX/XXXX and was finally given a transaction number and the last XXXX of an account number that doesn't match any account I own. I was advised by the Comenity customer rep to file a dispute. 
I called XXXX XXXX on XX/XX/XXXX to see if they could locate the transfer on their end with the minimal information given and was told need the full account number to be able to trace the money on their end. 
I called Comenity 3 different times over XX/XX/XXXX and XX/XX/XXXX to get the full account number and was given 3 different answers regarding when it would be sent to me and how. 
I sent a secure message to Comenity on their site on XX/XX/XXXX after none of the other promised emails arrived requesting the full account information. 
I received a detailed letter from XXXX on XX/XX/XXXX in response to my dispute which provided a great deal of information including that my {$1500.00} balance transfer was sent electronically along with {>= $1,000,000} plus in other monies but only the last 4 of the account number was provided I called XXXX XXXX again on XXXX and they could not trace it with the information provided by Comenity. They also told me they would have certainly sent the monies back within 10 days of receipt without being able to attach it to one of their accounts On my 3rd attempt through secure message on the Comenity site they sent back the account number as XXXX which is not even a XXXX XXXX MaserCard number. The only numbers provided were the XXXX XXXX