23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a VA XXXX streamlined refinance on XX/XX/XXXX with XXXX XXXX XXXX, Loan Officer, with Freedom Mortgage. We were scheduled to close the first time on XXXX, at XXXX XXXX. I was notified by the closing attorney at XXXX on XXXX that they had not received the paperwork. 

The next closing was scheduled for XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX the closing attorney asked if I could change the time to XXXX on the XX/XX/XXXX and I agreed to the new time. At XXXX the attorney said the XXXX time was confirmed, but they have not received the document package. At XXXX the closing attorney said they have not received the closing documents and had to cancel closing and reschedule. 

The 3rd closing was scheduled for XXXX at XXXX XXXX. Same as before, the closing attorney had not received closing paperwork and had to cancel. 

The 4th closing was scheduled for XX/XX/XXXX at XXXX XXXX. The closing attorney contacted me about XXXX XXXX  on XX/XX/XXXX and said she received the closing package and emailed the documents to me immediately. After reviewing the documents, the mortgage paperwork said SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF. There was no description attached. We finally received the legal description after many phone calls on XX/XX/XXXX at XXXX XXXX. The legal description was for an incorrect tract of land we own. They could not get the description corrected and the closing was canceled again. 

After the XXXX failed closing, we requested reimbursement for the following fees paid to XXXX XXXX, our current lender, to obtain payoff balances : XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} I also asked for reimbursement for the difference resulting from paying 4 % interest to our current lender, XXXX XXXX, when we should have paid interest at the 2.25 % interest rate locked if the loan had closed as expected. 

On XX/XX/XXXX, XXXX Ma, Operations Supervisor from Freedom Mortgage contacted me and said he would work on ensuring the closing for the XX/XX/XXXX would be fine and work on receiving lender credits for lost interest and fees paid to XXXX XXXX to obtain payoff balances. XXXX Ma never returned my calls or emails and did not contact me regarding the requests. 

I contacted our original Loan Officer, who told us on numerous occasions that the issues were escalated to her manager, yet we still did not hear from anyone in management. I have never received even an apology regarding the failed closings from anyone in management at Freedom Mortgage. 

As of XX/XX/XXXX, I have not received a new closing date or confirmation that the interest rate lock that expired as of XX/XX/XXXX has been extended. In addition, I have received no response to multiple requests for reimbursements for payoff fees and higher interest paid.
Product: Student loan

Back in XXXX I applied to the SAVE repayment plan. Mohela received my application and began the process of reviewing it on XX/XX/year>. On XX/XX/year> I received a message from Mohela claiming a processing delay. I was placed in administrative forbearance XX/XX/year>. My loans were then sent to XXXX XX/XX/year>. When I reached out to FSA about the application still being " processed '' in XXXX, I was told to reach out to XXXX. When I reached out to XXXX, I was told that Mohela never reported that I had applied to the SAVE plan. No one has any answers as to why my application back in XXXX was not processed. As of this afternoon, FSA still says my application is " under review ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 card

I have an XXXX XXXX XXXX son with XXXX XXXX XXXX who is under the legal guardianship of me and my wife, in particular because he does not understand the concept of money. My son used a XXXX Chase XXXX credit card ( that XXXX renewed to our family account without our knowledge or approval ) to make over {$10000.00} worth of purchase on various online games, buying packets of digital gold coins to spend within the games. These purchases were made over a period of about XXXX weeks, and although it represented a marked departure in the spending habits associated with that credit card, which we had all but stopped using except for travel-related expenses, Chase XXXX XXXX XXXX effort to notify me of the run-up in charges ( at least {$5000.00} in XXXX month through XXXX for digital services XXXX. Further, they have so far refused to refund the charges, claiming that since my son is a family member and is XXXX and a legal adult ( which he is not, since he is under guardianship ), it is not fraud and that they therefore bear no liability for these charges, despite my sons history of mental retardation. I have been left with a {$10000.00} credit card bill for XXXX XXXX, meaning that I have no property I can return to recoup the loss, and Chase XXXX will no longer work with me on this issue. I was directed to file a complaint during my last attempt to resolve this issue.
Product: Debt collection

PORTFOLIO RECOVERY - XXXX XXXX  Account Ending in XXXX was paid in full through negotiations with a Federal Debt Relief Program, the amount of {$3000.00} is being erroneously reported on my credit report which is keeping me from purchasing a home. The amount should be zero. I am attaching a letter in good standing with the Federal Debt Relief Program. This account is paid in full. Balance was subject to a 1099.
Product: Credit card or prepaid card

I called to close the account and asked for a payoff balance. I was given that balance and paid it. After the account was closed I was charged a {$9.00} fee, then late fees with out me knowing month after month. I left multiple voicemails for representatives and have not been called back. I am now speaking with attorneys in my building about doing a class action suit against chase. I have found 15 other individuals with similar stories and plan on running a social media campaign ( i own a marketing company ) to find as many victims as possible with similar stories.
Product: Mortgage

I was Approved for a mortgage by Finance of America Mortgage at 5.125 % went through enormous amounts of paperwork for underwriting to complete loan process only to have lender to come back over and over again with requests of paperwork.. Changed closing costs several times told me I had two choices on what to pay depending on if I get a letter from my lawyer will determine what my closing costs will be and my interest rate will be ( raised my interest rate ). My loan is approved with conditions that what I signed was not a contract and closing is on XX/XX/XXXX and now its impossible to close because I dont have my XX/XX/XXXX taxes that I filed which I didnt file because I did not work. He argued that I have to have a letter from someone stating I didnt have to file taxes in XX/XX/XXXX I receive XXXX and Alimony he already aware of this. I signed a form 3 weeks ago pertaining to the taxes so why this is coming up now before closing I dont know? My realtor and several other people cant make sense out of what hes doing ..in the meantime Im going to lose the house of my dreams. He never mentioned closing costs from the beginning of this process in the amount of {$8700.00}. I was told I had to pay {$3100.00}. If I argue with him the interest rate will go up or he makes it hard on me. Hes played the Bait and Switch tactic the entire time of the loan process. I was believed I would be paying the interest rate on the contract I signed he lied and twisted this entire loan process around to his advantage.
Product: Credit reporting or other personal consumer reports

I noticed errors on my credit report under 15 USC 16c-2. The listed inquiries weren't approved and are damaging my credit score. Please remove them. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit reports from XXXX, Equifax and XXXX in XXXX as usual and have not received them
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of child support on my credit report under the FCRA 5 U.S.C 1681i Per 1681c ( A ), adverse information can not be reported beyond 7 years unless legally exempt, and all reported data must be accurate and verifiable under 1681i. If this entry is outdated, inaccurate, or unverifiable I request immediate removal. Please provide details from the source into this investigation not seeking to do so will take into higher stake leading to fines. Please take a look at the XXXX Department of XXXX that states : The court reversed a decision to report child support arrears to credit bureaus, citing a lack of evidence and improper procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Mortgage

My Wife and I own a commercial building in  XXXX   XXXX   CA.. We  have owned the building personally since  XXXX  and it 's recorded in our names and our trust only. Merrill Lynch and there successor Bank  of America  did  XXXX  loans against the property. In both cases the loans were made under false pretense to a company instead of us. The bank knowingly did these loans for there benefit fully knowing in both cases the loans were made securing a false asset never owned by the company. They also failed to disclosed or send final documents for the last loan done in  XXXX  and current. The bank has refused repeated requests to admit and correct this error. On both loans they have done auto payments from our personal checking account and never receive any payments from the company.  Bank of America is  guilty of false documentation and financial fraud.
Product: Credit reporting

Hello I am disputing XXXX different hard inquiries on my credit report from 2015 from Citizen 's bank which are currently negatively impacting my credit. I have tried to handle the matter with the bank directly by sending a letter to dispute the inquiries with no response. I at no time during this period of time applied for credit with Citizen 's bank and there should be no inquiries reflected from this company during that time period. Therefore, I am asking to have these inquiries removed from XXXX of the major reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in dispute letters to XXXX, Equifax, and XXXX XXXX for 8 months straight since XX/XX/2022 and have not been notified of a status of my disputes at all. No one has done any work on my credit report for almost a year. That is unacceptable and violating my consumer laws.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Debt collection

I have disputed this debt with all three credit bureaus because it was paid a long time ago and I was assured it would be deleted, because it is a medical debt. It is still reporting on XXXX. A law was passed NCAP, that was written just for this type of circumstance. IT reads, " The credit reporting agencies will also remove from credit reports previously listed medical collections that have been or are being paid ... ''
Product: Debt collection

Ucb collections charge off XX/XX/2021? i do not owe the XXXX $ i didnt receive any service or request
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for removal of unauthorized fraudulent inquires on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  These fraudulent inquiries were made without authorization, and without legitimate purpose. Please remove these unconfirmed inquiries lacking certifiable evidence physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. 

I have contacted the creditors who put these inquires on my report and told them to remove them immediately. To date there have been no responses from their offices since sending the letters more than 30 business days, they have all failed to respond and honor my request.

The fair reporting act requires that a creditor be able to verify the written authorization of a consumer giving the creditor permission to review their credit. Provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If signed authorization can not be found please remove the inquiry from all 3 credit bureaus. 

I did not give permissible purpose to any of these companies to run my credit.
Product: Mortgage

was approved for a modification back in XX/XX/ and now Carrington Mortgage is trying to tack on extra fees that were not in the modificaqtion
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/scrub>/2024, I had work done on my car at XXXX. Was offered ACIMA leasing to pay a portion of the amount to do repairs. I put some money down. The amount put through ACIMA was more than I actually borrowed. I contacted ACIMA same day, after I downloaded their app and saw the amount was wrong and I called them. I then found out that they charged me an additional amount for credit protection. I told them to remove it. They argued with me to keep it and I still told them to remove it. I told them the amount of the lease was wrong and they said they would put in a request to the dispute department and I would have a response within 10 days. It is now XX/XX/year>2024. I have called ACIMA four times between XX/XX/year>2024 and today. I am continually told that the dispute department has not been able to get to my request and that they are behind and can not tell me when they will look at my account and correct the amount of the lease for services. I advised them that this was fraudulent and predatory lending. I have since made XXXX payments to them. I told them today that I wanted a payoff to pay them in full and I am not able to get a correct payoff amount because the amount they have in the lease is higher than I actually owe. I asked to speak to a supervisor ( XXXX XXXX. ) who told me that she can not provide me with her last name. She can not provide me with a timeframe that I will get a call back from the dispute department because they are " working diligently but know they are behind and that is not their fault. '' She then asked if I wanted to return my items and could send me to the return department. I asked her how I was going to return an oil change and spark plugs and rear differential on my car? She again said she couldn't do anything and she could send me to the return department. I told her I wanted a payoff to be able to payoff the lease to own today and she can not do that because they can't give me a proper payment amount. She can not tell me when they can do that but she sent another email to the dispute department. In the meantime, they are charging me interest and collecting payments which are incorrect and I want to pay them off because they are operating fraudulently on their lending. Oh, but according to XXXX XXXX, they are not a lender and she has no idea who regulates their business.
Product: Student loan

I submitted my income information to update my payment amount on XX/XX/22 and my student loan portal showed I would get a response by XX/XX/22. Not only did I get no response, the website now shows I have no pending requests.
Product: Credit reporting

they removed this info. from my credit report without my permission which is in good standards.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX.