23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was applying for a loan with Chase Bank on a primary residence. There was me, my wife, and my parents as non-occupant co-borrowers. Chase made several written financial commitments to us at the start of the process which I believe led them to find a way to back out of this loan. Details are provided below. 7 days before closing they said we did not qualify due to the DTI ratio. However, they were incorrectly calculating those numbers. I believe this was intentional.

Chases ' DTI calculations had several errors. Chase was not counting dividend income that had 5 plus year history for my parents. For my income, Chase did not back out XXXX of depreciation on investment properties. These errors greatly lowered our income calculation. These are very common practices and standard operating procedures. It was clear that the loan officer wouldn't understand how either of these worked as I had to explain some very basic concepts to him. Since this fell apart I have submitted all docs to 3 other lenders. All 3 agreed Chase was not doing the math correctly and our DTI was well under the needed ratio. 

I believe they wouldn't calculate these correctly because they weren't going to able to close in time which triggered a payment from Chase of {$20000.00}. Chase sent me a written guarantee of a " 21 Day Purchase Closing Guarantee '' which if they did not meet triggered a payment of XXXX. Or perhaps they just didn't want to close a loan at a 6.99 % rate as the rate had gone up since locking. No other lenders have calculated the DTI the way they did ( intentionally ignoring income and deductions ). 

After it fell apart the loan officer recommended I work with a different loan officer and do a VA loan under my parent 's name as my father is XXXX The agent specifically recommended that we state the house would be my parent 's primary residence even though this was and is not true. This action constitutes fraud and we did not pursue it. It was a false lead the agent was trying to get us to pursue to get them out of their commitments. 

This incompetence ( intentional or not ) cost me a XXXX percent on my interest rate ( roughly {$250.00} a month for the life of the loan ). As I had locked in at 6.99 %. and will have to close at 7.5 % with a different lender due to a rate increase. It also cost me a XXXX payment from Chase, as they had a written commitment to honor their program that if I used their agent 's recommendation and closed with them it triggered a XXXX for this home. 


Additionally, mistakes made by the loan XXXX during this process were SS # 's were inputted incorrectly delaying the initial pre-approval letter. The purchase address was inputted correctly and I was offered a XXXX XXXX based on this incorrect address. 

In summary Chase 's representative : - Incorrectly calculated the DTI- did not understand dividend income - did not understand deprecation on investment properties- incorrectly inputted SS # - incorrectly inputted the address of the home being purchased- suggested an illegal loan activity This cost me $ XXXX and several XXXX dollars from fees paid and payments owed.
Product: Consumer Loan

Financed a truck the sales contract was never given to me by finance company was not the original contract and trade listed was never traded in it was fraudulent sales contract and trade in vehicle was sold unregistered in the state of California
Product: Debt collection

Have a letter from CEDAR Financial saying I owe {$56.00} to creditor " XXXX XXXX '' FILE # XXXX. 

I 'VE NEVER SET FOOT IN THE COUNTRY OF XXXX. THEIR CONTACT, WITH NO EVIDENCE, PAPER TRAIL, OR RESEARCH IS LACKING, AND WILL NOT BE THREATENED BY THEIR ATTEMPT TO COLLECT THIS DEBT! 

CEDAR FINANCIAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting

On XX/XX/2016 I contacted Equifax credit bureau. Spoke with a representative concerning why my credit score as to why I had lost XXXX points on my score. After I reviewed it from XXXX XXXX the night before. The representative could not answer why and basically just said that XXXX XXXX is n't always correct. In which I informed her that Credit Karma gets the information from the credit bureaus, because I seen an inquiry from XXXX XXXX on my Equifax report dated XX/XX/2016. She could not tell me why my credit score was XXXX points less than it was 2 weeks ago. Although I have paid off a student loan recently. So I asked to speak with a supervisor an she could not explain to me why my credit score had dropped XXXX points as well. I asked her to fix my score, Inwhich, her reply was she could not. I said to her but you took XXXX points from my credit score and you do n't know why and you ca n't fix it. Than she proceeded to say that it was because of a dispute with my mortgage company in which that never occurred. I have no dispute because I 'm paying my mortgage on time and I know that does not bring down a score. I asked her to send me the credit report that shows there is a dispute from me on it concerning my Mortgage company.
Product: Money transfer, virtual currency, or money service

An unauthorized account was opened using Cash App in the name of our employee. The account was determined to be fraudulent. The account used the bank routing number for XXXXXXXX XXXX XXXXXXXX and account number XXXX. The email used was XXXX. This person used fraudulent emails and bank information to request that we deposit the employee 's payroll check into the account. The scammer was quite good and we did not realize it was fraudulent until we had transferred the paycheck on XX/XX/2021 and had {$1800.00} stolen. 

It seems that criminals are using this Cash App and prepaid cards to steal money without having to show XXXX open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are making false statements in your response to my prior complaint ( XXXX ). Im not sure if your doing this on purpose or out of lack of knowledge of the law You stated, It is important to note the article referenced in your complaint applies to commercial transactions and is not applicable to your consumer loan application. 

If you look at the most recent amendment to 15 usc 1681b, which is public law 116-283, 134 stat. 4594, it clearly defines section 1681b as the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

All three credit bureaus are reporting bankruptcy on my credit report they have put the data furniture as being the US BKPT CT IL XXXX which is false I have attached a letter from the US bankruptcy court of the XXXX XXXX XXXX ILLINOIS verifying and stating that they do not furnish information or verify to the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies XXXX, Experian, and XXXX are falsely stating this information in my credit report and have yet to remove it from their credit report.
Product: Debt collection

These are Medical Debts and I am protected under the No Surprise Act. 
XXXX XXXX portfolio recovery {$1100.00} XXXX XXXX XXXX {$1400.00} Requested that they be deleted. Because they are medical bills, which my rights are being violated. I should be protected by the No Surprise Act.
Product: Debt collection

On XX/XX/2022, my brother was contacted by Columbia Debt Collectors stating he owes money for charges at his old apartment. He is in the United States XXXX XXXX, who pays each month for his apartment in a stipend. The debt collector stated he owes the apartment complex money for " fees ''. he inquired about the fees and half of them seem not legitimate. The charges are from months prior to moving out, that were already paid. The company tried to charge an additional amount for rent, saying it wasn't covered but that was inaccurate. The collector was rude, aggressive and not helpful with understanding how these so called debts were accumulated. 

On XX/XX/2022, I contacted the Debt Collector at ( XXXX ) to ask questions as I was a co-signer for this apartment. I asked for the collector to send an itemized list of what is owed and sought for payment. He was very rude, and told me to contact my brother for the information and refused to send it. I asked to see the apartment contract he had on file and he told me I should of kept my own contract, which seemed out of line. The male then threatened me saying you need to pay your bill by tomorrow, and kept pressuring payment without actually explaining what the payment was for. It felt like a scam and just unprofessional. The collector also stated he needed my information to speak to me about the charges, yet claimed he had all the info he needed for myself and my brother. Just very unsettling. 

Columbia Debt Collectors state we owe {$420.00} for something regarding the apartment complex my brother use to live at. No itemized list provided and management never reached out to notify money was needed.
Product: Credit reporting

I 'm unable to access XXXX credit report with my correct information and I cant all the verification question for Equifax report say I 've open auto loans and this year I have n't done anything involving loans or anything of that sort this year I think my idenitiy is bieng used in another state
Product: Credit reporting or other personal consumer reports

I previously had two accounts with XXXX XXXX XXXX. One was for a XXXX Credit Card, the other was XXXX XXXX XXXX Credit Card. Due to a financial hardship I was not able to pay this card and it was placed on charge off status. These charge off accounts have been reporting a monthly payment history ( CO ) and balance since 2020 and should not since this account has been closed and changed off.Everything reported here does not meet the FCRA and its a violation.
Product: Debt collection

on XX/XX/year> I received a call from Credit Control which I returned, see previous complaint and I requested that they verify the debt. The operator was rude and said he would send it and hung up. Instead, I received a bill with payment options from Credit Control LLC on behalf of XXXX XXXX XXXX neither of which I agreed to do business with. Credit Control LLC and XXXX are in violation of the Fair Debt Act by not providing the requested information and only sending a bill. I DO NOT OWE THIS DEBT AND HAVE NO IDEA WHO THESE TWO BUSINESSES ARE.
Product: Debt collection

Hello On XX/XX/2020 I received a letter from this company claiming I owed them money. I sent them a certified letter ( XXXX ) on XX/XX/2020 as FCRA states is my right and they must comply with if exercised. Requesting important information to validate there claim. On that request i asked them to sending me copies of the original documents that show I agreed to pay the alleged amount and or entered into any agreement with them or the company that they claim to represent. Also requested them to provide me there license numbers and documents as this companies registered agents. On XX/XX/2020 they sent me a statement with there letter head showing what i allegedly owed, the name of the company that they represent, and some insurance policy # info starting and ending date and cancel date. They did not send copies of the original documents that show I agreed to pay the alleged amount and or entered into any agreement with them or the company that they claim to represent nor there license numbers and documents as this companies registered agents. Again on XX/XX/2020 I sent a certified letter ( XXXX ) Letting them know i had received there letter but they failed to provide copies of the original documents that show I agreed to pay the alleged amount and or entered into any agreement with them or the company that they claim to represent nor there license numbers and documents as this companies registered agents. On XX/XX/2020 They sent me a letter with an attached Final Bill from the company they alleged to represent. Basically ignoring my FCRA rights to demand proper documentation prior to proceeding. This is clear non willful compliance to the FCRA laws. This is why I am filing a complaint. I have all documents saved if you need them to for evidence. Thank you for your time. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX  ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Checking or savings account

My complaint here is with Santander Bank in XXXX XXXX XXXX. The corporate office is in XXXX Massachusetts. I filed a complaint first in the late fall XXXX with this federal government agency about this bank stealing {$550.00} out of my checking account without my permission or authorization. However after filling this complaint here, this complaint has not been resolved by you even though I have asked for follow up on what you were doing about getting Santander to put the money back into my bank account. Still waiting for a reply on this original complaint. As a result of this complaint, Santander Bank put a block on my account and froze my funds for no reason and to date they have refused to remove the block giving no access to my account. I recently in this past week checked my account and my account is still frozen and blocked not allowing me access for withdrawals from my account. I need help!! I need my money. The block was placed on my account in XX/XX/2022 to date. But during this time, Santander Bank has paid from my account other unauthorized charges out of my account without notice or my permission!! Santander Bank continues to steal money out of my account because you have failed to take any direct action against the Bank to resolve my complaints against Santander Bank. I also want the money bank from the bank over many years paid to a company called XXXX XXXX XXXX  Please give my complaints against Santander Bank your immediate attention. I need my money in my account released with a view towards closing my account with Santander Bank because of their abuse and misuse of my funds being used to pay their bills. XXXX XXXX
Product: Credit reporting

I have disputed an account for XXXX XXXX XXXX XXXX at least XXXX times. XXXX off the beginning credit on this account was {$26000.00} and the credit report has {$20000.00}. Also, it states that my vehicle was repossessed in XXXX and XXXX XXXX is incorrect.The balance of this account was paid in full in XXXX on the said day of repossession. There is no balance and the information listed is false. If this is not resolved properly, I will need to move forward with legal action.
Product: Vehicle loan or lease

I leased my first vehicle from XXXX XXXX with my sister on XX/XX/XXXX. During the closing process, I was talked into buying additional packages by the finance person, one of them being the Excess Wear and Tear package.

The finance person used a water bottle as an example and said how easy it was to get scrapes and dents on the car, and urged me to buy this Excess Wear and Tear package. He went on to say how it was the best option for me to have the package as this would allow me to conveniently just drop off the car without any worry at the end of the lease period. When he saw that I was hesitant to buy the package, he tried to convince me by saying that he had no ulterior motives and that he also made all his nieces and nephews who are of around my age to buy this wear and tear package when they were leasing. He put me under a lot of pressure to decide quickly whether I wanted to buy this package or not by saying that he was already late to a dinner with his wife and that the dealership was also closing in 30 mins. I had to quickly make a decision without being given time to read the terms and conditions of the package. 

Now in XX/XX/XXXX, about one month before my lease ends, as I am looking into what to do with my lease - if i want to buy my lease out or return it, I learned that the wear and tear package that XXXX has sold me does not cover anything if I decide to purchase the lease. When the wear and tear package was sold to me, it was never disclosed to me that the package would not cover anything if I decide to buy my lease, and that the car will be sold to me " as is '' condition. Nowhere in the Excess Wear and Tear addendum also addressed what happens if the lessee decides to buy the car. 

Now that I am considering to buy the leased car and asked XXXX about how the wear and tear package can be used, I was redirected to XXXX XXXX XXXX. There, I was informed that this package can not be used to cover any repairs for the wear and tear in the case that I bought the car and that XXXX should have been honest with me in explaining this information. Sadly, I was not informed about how the wear and tear package would render useless in the case that I buy the car and was deceived into paying {$730.00} for the package with the omission of details.
Product: Payday loan, title loan, or personal loan

In XX/XX/2023, I took out a cash advance of {$750.00} from Truist Bank through the mobile app. I tried to pay off the loan and close my accounts on XX/XX/2023, resulting in Complaint # XXXX, where they refused to close my account. The reason the account wasn't closed was they were continuing to try to take a recurring payment for a credit card account that I had also closed the the same day. At the teller window, I told them about the line of credit and asked that it be paid off and closed at the same time. They did not have access to see the line of credit, and so when I stressed that I wanted to make sure it was paid off, they assured me all my debts were paid. 

Because the line of credit was not accessible to the teller, the line was not paid off, and the interest and fees continued to accrue. In addition, they tied the line of credit to my checking account and on XX/XX/2023, they reported both the line of credit and the checking account it was tied to as delinquent to the credit bureaus. I called the customer service lines and visited the branch and it wasn't until this week, XX/XX/XXXX, that the credit line debt was revealed. I am appalled that a bank could lend money and XXXX. ) Not allow someone to pay that money back at a bank location XXXX. ) Not keep a ledger or any records accessible on the app, by Customer Service, or by the branch employees, and XXXX. ) Not tell me about the debt until it was reported to the credit bureaus, and XXXX. ) Tie the debt to my checking account so that XXXX accounts were reported delinquent instead of just the line of credit. Moreover, I tried to close accounts, was denied the ability to close the accounts, reported the issue to this bureau and should have discovered then that there was an issue then, and not XXXX months later. 

I have since paid this off and I am now seeking to have this negative mark removed from my credit record. Having XXXX delinquent accounts has prevented me from getting a loan and has negatively affected my credit rating for XXXX months. Moreover, there was no transparency in this process and no one on the corporate side or the physical branch could or would help me until I planted myself in the branch office and refused to leave until they called corporate and figured out what the issue was. Even then, it took multiple visits to the branch and multiple phones from me and the banker to even figure out what the issue was. 

I am physically and mentally exhausted from this experience and appalled at the lack of transparency and complete lack of responsibility. I have been asked to provide cards and bank statements from accounts I thought I had closed, and repeated told to read my service agreements if I had an issue with my lack of responsibility in paying this. Banks should be required to keep records of their transactions and equip their employees to handled issues by providing access to their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call and told them Experian this a fraudulent account. I noticed there are late payments listed under the collection account XXXX XXXX. From my understanding collection accounts are not supposed to include a payment history of late payments as I do not have a payment agreements currently set in place with this agency. This collection claiming a history of late payments is a false representation to my relationship with them. They can not report any payment history on the account form the alleged creditor before them. A collection is by default derogatory, this goes without say. Please delete this from my credit report immediately. 

Thank you.
Product: Debt collection

No information could be obtained due to inadequate reporting. Account was unavailable.
Product: Credit reporting or other personal consumer reports

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these hard inquiries on my XXXX  credit report
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here Is the account I am asking you to verify as accurate : account name : XXXX XXXX : account number : XXXX