23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2021, Chase Bank and its mortgage team requested a second credit report from a third-party. We were told on the second credit check my spouse had missing information and Chase Bank blamed the credit reporting agencies.m and told me my spouse did not enough credit history. Of course, pretext is possible since my spouse had the better score during the pre qualification stage. The credit score in the first credit check displayed XXXX approximately for her score. 

After many conversations, Chase Bank and its mortgage team reiterated the credit reporting companies are responsible for their errors. However, Chase Bank and its mortgage team also stated multiple times my spouse no longer had a reportable credit score because she lacks credit history. Both statements are mutually exclusive. To muddy the waters even more, Chase and company stated there is no regulation requiring a settled fixed loan to stay on a credit report ; additionally, Chase was under no obligation to move foreword with closing the loan because there were no written policies addressing issues similarly related to records retention. Instead, we were denied our first loan application because my spouses credit score discrepancy ( pretext ). After our inquiry, we were discriminated against, including : ignoring our attempt to define policies for records retention related to settled debts; dragging feet when asked to provide answers ; misleading statements about having to go through the credit reporting agencies ; dishonesty and self-serving behaviors ; and retaliating against us when I alleged discrimination against women and for my request for an investigation into possible violations and/or self-serving behaviors. 

Chase et al. has successfully misdirected the CFPB and myself to accept responsibility for self-serving behaviors and lying about or not creating records retention policies for loans. Ultimately, we are stuck with higher payments and a higher interest rate by more than 20 points or 0.2 % ; I was forced out of the company for filing a complaint and questioning company practices ; and my personal information was shared with my local branch manager. What can I do? 

Thank you.
Product: Debt collection

I checked my credit score today and it went down due to a Collections request for an account that can't be mine. The Collections request was from " Credit Management LP '' on behalf of " XXXX XXXX XXXX '' for the amount of {$150.00}. I haven't had a XXXX account in over two years. Additionally I was able to log in to my old account and have a {$0.00} balance. Therefore, someone is using my personal information for an account and not paying their bill. I do not have any outstanding balances with XXXX. I can NOT get a real person on their customer service line to inquire about this because of their automation system.
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have disputed this, requested validation and verification and nothing has ever been sent. This is false information listed Paramount Recovery XXXX
Product: Money transfer, virtual currency, or money service

I was notified by XXXX XXXX XXXX XXXX that I was required to take my required minimum distribution on my IRA. I sent the RMD forms in ( see attached ) letter and required forms. XXXX XXXX informed me that the money was sent EFT to Truist Bank. After waiting the required time line of 3 days the money had not shown up in my account. I contacted Truist Bank and they informed me that they had not received the funds from XXXX XXXX XXXX stated to me and to Truist the money had been sent.After numerous calls to Truist this matter has not been resolved. Truist is standing by that they never received the money. It is though Truist is making know effort to tract this transaction. Please review and advise. 

Respectfully, XXXX XXXX @ XXXX email XXXX XXXX
Product: Mortgage

I lost my home when XXXX lien holder foreclosed on my home. the XXXX lien holder never paid off the XXXX mortgage. the XXXX lien holder sold the property and the new buyer did not pay off the loan. I have contacted chase several times to ask them to release me from liability or call the loan and they have refused to work with me. I no longer own the home and chase has refused to call the loan or release me from liabitly. the home has been sold twice and now chase is trying to have me make the loan payment on a home I no longer own. I never gave permission to have someone take over the payments
Product: Credit reporting

I wrote a letter to Equifax disputing information on XX/XX/2016. I never received a response. I mailed a follow up letter on XX/XX/2016 and have not received a response. 
I 'm trying to dispute items on my report for specific reasons not addressed before and am being ignored. 
I have attached my letter written in XX/XX/XXXX, with identifying information. I 've also attached the postage receipt with tracking information as proof of mailing in XX/XX/XXXX. The tracking number ends in XXXX on the receipt. 
Thank You, XXXX
Product: Debt collection

On XX/XX/2020, I submitted an online complaint to the Consumer Financial Protection Bureau, about a negatively reported collections account ( XXXX ) from Portfolio Recovery Associates onto my credit files on XX/XX/2020, in which I never received documentation to dispute the debt. In response to my dispute on the Consumer Financial Protection Bureau 's website, Portfolio Recovery Associates indicated and provided evidence that they sent a letter correspondence to my home on XX/XX/2020 ( see attachment. ) Upon review of that letter, it contained an address that I have never resided at in my life and Portfolio Recovery Associates stated that when they did not hear back from me that is when they reported negatively to my credit files with all three credit bureaus and since my complaint, they have submitted sufficient evidence to that address to connect me to the debt that they purchased. I am writing this complaint because I just received correspondence from Portfolio Recovery Associates at my correct address dated XX/XX/2020, indicating they received my dispute and provided me with documentation that they feel links me to the debt, such as my last 4 of my social security number, the account open date provider by the seller and just my name. In my previous complaint ( XXXX ), I asked for the following information in totality " The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed that includes a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. - Documentation that states whether this debt is within the statute of limitations and how that was determined. - Specify your relationship between the original creditor and your agency. - Provide documentation from the original contract the bears my wet-ink signature that shows that I am the intended party of the debt and then show what documentation transferred between the original creditor and your company that gives you jurisdiction to collect this debt. - Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. Again I would like all the requested information provided to me in totality via postal mail due to your companies deprivation of allowing me to request this information independently before you placed this account on my credit reports. Any omission of the requested documentation yields the inability to validate the alleged debt and therefore the account must be removed from all credit bureaus immediately. ''
Product: Mortgage

They sent an act 91. I sent the one payment I was behind and the current payment that was due. I did not sent the extra fees. They returned my payment on XX/XX/XXXX. I sent it in on XX/XX/XXXX or XXXX. Please help.
Product: Student loan

On XX/XX/year>, I received an email from MOHELA stating " MOHELA has placed an Administrative Forbearance on your account while processing your Income-Driven Repayment ( IDR ) request. You may decline or request to end the forbearance by contacting us. Read this notification carefully, which can be found in your online account, regarding the forbearance period for your loans. '' I am unable to view this information on my account, it's an endless loop on MOHELA 's website. On XX/XX/year>, the U.S. Department of Education said, " We see that you may have recently missed a payment on your federal student loans '' which is untrue during my forbearance. On XX/XX/year>, MOHELA sends a " Cascading Delinquency Letter - 30 Days '' which again, does not match up with the date I was given forbearance, even if it was temporary. On XX/XX/year>, MOHELA says " Your federally owned student loan ( s ) serviced at MOHELA is more than 60 days past due, '' again inaccurate given the dates of when the forbearance was applied. They have not stopped processing my application thus ensuring the ongoing forbearance during this time. 

Unfortunately, there is absolutely no information available to me letting me know that my application was completely reviewed and accepted or denied. There is an endless loop on the MOHELA website where it says I can download the PDF letter stating, " IDR Request Received, Temporary non-capping forbearance applied during processing. '' I was never told it stopped processing, I'm assuming it is still being processed. I have explained numerous times that I am unable to pay my student loans at this time. I don't make enough to sustain myself let alone the student loans. It was stated when I had applied that I most likely would have my payments go down to {$0.00} a month under the SAVE plan which I applied for. I have gotten nowhere with MOHELA and have no idea what's going on. I am powerless and have been sent numerous letters that are unviewable due to MOHELA 's website loop when trying to access letters under the " Documents we sent you '' tab.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing lates for the month of XX/XX/XXXX to XX/XX/XXXX and in the month of XX/XX/XXXX to XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
XXXX***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX***** Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of a collections account on my credit report, as reported by your agency. I believe that this account is inaccurately associated with my credit profile, and I am invoking my rights under federal law, specifically 18 USC 894, to request verification of this debt. Pursuant to 18 USC 894, I assert that I neither own nor have knowledge of the existence of the account listed under the name : XXXX XXXX XXXX 

I AM NOT LIABLE FOR THIS DEBTS.

I DO NOT HAVE A CONTRACT WITH ANY OF THIS COLLECTION AGENCY.

Furthermore, pursuant to 18 USC 8, I affirm that I owe no debt associated with this accounts. As a consumer, I am entitled to request verification of any disputed debt under the Fair Credit Reporting Act ( FCRA ).

Therefore, I kindly request that your agency conduct a thorough investigation into this matter and provide me with the following information : Documentation verifying the debt, including any contracts or agreements bearing my WET SIGNATURE. Proof of ownership of the debt by the reporting creditor or collection agency.

Verification of the accuracy of the reported information, including the amount owed and the dates of the alleged transactions. I understand that the FCRA requires credit bureaus to investigate disputed items within 30 days of receipt of a consumer dispute.

Therefore, I request that you provide me with a written response detailing the results of your investigation within this timeframe. Furthermore, I assert that the reporting of this disputed account violates my consumer rights to privacy pur

suant to 15 USC 168b. The company in question has no permission to report any information using my personal information pursuant to 15 USC 1681 4. I insist that any communication regarding this m
atter be conducted in writing to ensure clarity and documentation.

Please note that failure to provide the requested verification within the prescribed time frame

may result in further action to protect my rights under federal law. Pleas
e note that pursuant to the FCRA, if you are unable to verify the accuracy of this account within 15 days of receipt of this dispute, you must promptly delete it from my credit report. Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Checking or savings account

There have been situations where some payments would be held for processing after available funds were no longer available. This would cause overages fees.
Product: Mortgage

I heard a radio ad for getting a 15 year mortgage loan for 2.5 % with NO costs from CASH CALL company here in California. I applied because I had a very high fico score and good income. I was told that I was accepted for a loan. I filled out all the documents and submitted all the documents as required. I was told that I was approved for a loan. Loan documents were submitted to me for signing in front of their notary and the process was completed. I waited to hear from the company and did not hear back. I finally requested to hear a reason and they said that when they did a " FINAL '' review that I had just missed the cutoff for qualifying for the loan. They offerred to do a loan at a higher rate. I told them no way. They said they had the right to not give me a loan based on the " final '' review. I explained that they had made some mistakes not in my favor and that I should have gotten the loan. I told them they wasted my time and that I missed the window to get a great rate because of them. They were the ones that had said I was approved and I deserved the loan as I did everythiung they asked and had CONCLUDED with an official signing of the loan docs which in my book meant the loan was done and completed. They disagreed. I have resented this situation since that time. I was told recently by a loan broker that once the loan was signed that as long as I did everything correctly which I did they had to give me the loan and that their refusal is actually illegal and that they must make good on the loan.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am filing a complaint against Capital One regarding their handling of a chargeback dispute for an airport parking service I purchased through XXXX XXXX XXXX XXXX XXXX XXXX 

Issue Summary : I booked a week of airport parking near XXXX XXXX XXXX ( XXXX ) through XXXX expecting to park my car and utilize their advertised free shuttle service. However, after completing my purchase, the confirmation email provided no clear instructions beyond telling me to free park at the designated hotel lot. 

Problems Encountered : XXXX. No Instructions on Required Shuttle Ticket Upon returning from my trip, the shuttle driver requested a parking ticket, which I was never informed I needed. 
My email confirmation did not mention that I needed to obtain a ticket from the shuttle driver upon arrival. 
XXXX. Shuttle Did Not Service All Terminals Not Disclosed I later discovered that the shuttle did not serve all airport terminals. 
This critical limitation was not disclosed on the website or my confirmation email. 
Due to time constraints, I had to pay for an XXXX to the airport, defeating the purpose of paying for this parking service. 
XXXX. Service Did Not Match What Was Advertised I booked this parking expecting the convenience of a free shuttle, as advertised. 
Since the shuttle did not provide the expected service, I had to incur additional costs for transportation ( XXXX ). 
If this information had been disclosed upfront, I would not have purchased this parking service. 
XXXX. XXXX XXXX Record of Misleading Consumers After my experience, I researched XXXX ( the parent company of XXXX ) and found numerous consumer complaints describing similar deceptive practices. 
Many customers have also reported being misled and denied refunds or chargebacks for similar issues. 

Chargeback Dispute & Capital Ones Unfair Decision Given that the service was misrepresented and did not meet its advertised purpose, I requested a chargeback from Capital One. However, despite the clear evidence that : The shuttle service was not properly disclosed The necessary parking ticket process was not explained The service did not match what was paid for Capital One denied my chargeback and sided with the merchant. This decision is unfair and does not align with consumer protection principles. I am formally requesting that Capital One re-evaluate my dispute and that the CFPB investigate XXXX for deceptive business practices. 

I appreciate your attention to this matter and look forward to a resolution.
Product: Credit reporting or other personal consumer reports

I Received my credit report from trans union so I can dispute hard inquiries DISPUTE HARD INQUIRIES ASAP- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My husband and I initially had a home equity loan with Wells Fargo. They changed it without our consent or knowledge to a conventional mortgage.They claim that they could legally do so without my consent. In the process of switching, they inadvertently left my name off the loan. For several months, I failed to gain the benefits, credit wise as I noticed a decrease in my credit score ; I don't know if this error caused it or not. The most significant problem is that I try to pay off the loan ( in the amount of {$140.00} ) and they won't allow me to pay the loan off. They claim that there are almost {$5000.00} in recovery fees that must be paid first before they can accept the {$140.00} payment. I have been speaking to one associate to another trying to figure the exact origin of these fees and exactly what they are for. They told me that it was for a lapsed insurance policy. I provided documentation from XXXX XXXX and they still have fees and no one can tell me why. Also, I noticed on a statement that they paid insurance for me each month. They charged me the fee and then they waived the fee. Again, no one can explain why. I am supposed to have this loan paid by XX/XX/XXXX but nothing has been resolved over the past month. I should not have to pay for something that they can not explain and show that I owe. Furthermore, it is wrong to not accept the {$140.00} payment of my loan because of these fees that they can not explain.
Product: Mortgage

A ) XX/XX/XXXX - pre-approval from Quicken Loans for VA loan financing up to $ XXXX {$900000.00} B ) XX/XX/XXXX - property under contract for purchase offer of {$690000.00}, option period of 14 days, fee {$350.00}, ( end XX/XX/XXXX ) C ) XX/XX/XXXX - travel accommodations booked, home inspection purchased D ) XX/XX/XXXX approximately XXXX central time, received notice from Quicken Loans that underwriting can not qualify applicant for purchase amount. 
E ) XX/XX/XXXX - XXXX central time, phone resolution discussion with Quicken Loans who admitted income was not properly vetted during pre-approval process and complaint filed with Customer Relations. 
F ) XX/XX/XXXX - XXXX pacific time, resolution from Quicken Loans, proposed reapplication timeline for financing would result in option period expiration with potential for further losses ( XXXX XXXX XXXX  ) without guarantee of financing secured for contract. 
G ) XX/XX/XXXX - XXXX pacific time, client relations offer to refund {$500.00} application deposit, refusal to compensate for additional financial loss due to improper vetting for pre-approval Amplifying information : I am filing a complaint against Quicken Loan. I received pre-approval after going through initial underwriting for up to $ XXXX $ XXXX and made a purchase offer under the pre-tense of qualification. Just prior to close of option period on home purchase, Quicken Loans notified me that I did not qualify for the VA loan due to an issue presented that my spouse 's income no longer qualified due lack of a confirmed job offer to area of the new primary residence. At no point prior to this were we notified that this would disqualify us for VA loan finance. No new material financial information was provided or updated from initial pre-approval/underwriting. Home inspection fee, option fee, travel and accommodations had already been booked/executed by the time we received notice and were unable to be cancelled or refunded.
Product: Debt collection

I recently obtained a copy of my credit report and notice portfolio recovery is reporting a collection. I never received a notice informing me of this debt.
Product: Credit card or prepaid card

I noticed that I was not receiving the promotional terms that I expected. O  n   XXXX   XXXX   2017 I asked why I did not see the expected  XXXX  points bonus on restaurant purchases applied to my spend to date. The research was concluded on   XXXX   XXXX   2017 with the conclusion that I am not eligible. This was communicated to me when I asked on  XXXX /2017. Attached is the expected promotional terms around the time I applied.
 XXXX 
 XXXX  bonus points on restaurant spend  XXXX  points on all your qualifying purchases on your first $  XXXX  for the first year plus on top of that a 30 % annual bonus 12 months 0 %
Product: Debt collection

I received a notice from Professional Account Management , LLC, XXXX. XXXX XXXX, XXXX, XXXX XXXX. The notice pertains to a NJ XXXX XXXX  toll that on a vehicle that had XXXX XXXX. NJ was promptly notified in the manner specified on its communication. Therefore, the toll was paid. 

In response to the notice from Professional Account Management I called the number on the notice to dispute the claim. It appears that this is a non-working number. I have been on hold for over an hour. There is no other way to dispute the alleged debt ( {$54.00} ). A collection company is not be permitted to use an unattended phone number to receive dispute.