23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, my husband and I locked in a mortgage interest rate of 3.25 % with .125 % credit, for 60 days with Citizens Bank. This rate was contingent on my opening a Citizens Bank account, which I proceeded to do. However, when we received the closing disclosures for my mortgage on XXXX XXXX, the interest rate was listed as 3.5 % ( or 3.375 % with a Citizens Bank account ). When I inquired about this discrepancy, my loan officer told me that there were utilization ratio issues, but that she had taken the needed steps to get the rate I had originally been quoted and had submitted all necessary documentation for approval of the originally quoted rate. My loan officer later confirmed via phone that this had been approved. 

We received the final closing disclosures the evening before our closing ( which was scheduled for XXXX on XXXX XXXX, after having been delayed by Citizens for several days ). The interest rate had not changed. I emailed my loan officer multiple times but received no response until I reached her by phone the next morning. She told me she was working on getting the rate adjusted as promised. However, a mere two hours before the scheduled closing, she informed me that she would NOT be able to give us the rate that had been locked in. She suggested postponing the closing on our purchase until after the closing on our sale ( which was scheduled for the morning of the next business day ). 

Because it was only two hours before the closing and we 'd had issues even getting the seller to the closing table, my lawyer strongly advised against postponing the closing. Doing so would have put me in breach of contract, and we had no viable options for postponement or alternate loans at this late date. I was forced to close with a difference in the mortgage interest rate that increases my costs over the lifetime of the 30-year loan by about {$30000.00}. My loan officer loan officer told me that the best she could do was to refund the closing costs ( {$840.00} XXXX, which she requested to be expedited. Unfortunately, it 's been over two months and we have yet to see this credit or even have an update as to when I can expect it.
Product: Student loan

In XX/XX/XXXX I refinanced my federal loans with MOHELA into direct loans to obtain forgiveness under XXXX. MOHELA included an application for XXXX in the envelope along with my loan package. I immediately completed the application & returned it ( receipt date was XX/XX/XXXX ). On XX/XX/XXXX I called MOHELA to inquire about the status of my application. The customer service rep asked me to verify my account information then asked if I had received any Pell Grants. I said I received one in the amount of {$450.00}. She immediately advised me to apply for Biden 's student loan forgiveness program. 4 days later MOHELA sent me 3 rejection letters saying I didn't have direct loans. She saw I had direct loans while I was on the phone with her & she still rejected my application. I believe she was steering me into options that did not benefit me but instead benefitted MOHELA based on information she saw within my account & application. MOHELA acknowledges I have qualifying employment & direct loans but they have failed to verify my payment history. I uploaded that information from XXXX XXXX XXXX XXXX & I'm still being rejected. They have not done proper due diligence on my account by looking back & counting my payment history with XXXX XXXX XXXX XXXX. I have been dealing with MOHELA for 7 months & I'm tired of getting the runaround even though I fully qualify. Can you help me?
Product: Debt collection

CREDIT COLLECTION SERVICES has deprived me of my rights under color of law pursuant to 18 USC 242 and attemping to conspire against mt rights pursuant to 18 USC 241and has committed mail fraud to 18 USC 1341 by sending me deceptive notices in the mail with no stamps dated XX/XX/2021 and XX/XX/2021 stating that they were debt collectors and that they were trying to collect an alleged debt from me. 
CREDIT COLLECTION SERVICES has also committed aggravated identity theft pursuant to 18 USC 1028A by opening an account in my name without my written authorization.

Notice that you CREDIT COLLECTION SERVICES are defined as a debt collector Pursuant to 15 USC 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 USC 1692c ( a ) ( 1 ). 
Fact, I am aware and have proof in the attachment of the fraudulent documents dated XX/XX/2021 and XXXX you furnished to me through the United States Postal Service that all bills and coupons are the obligation of the United States pursuant to 18 USC 8.

Fact I am aware that in the fraudulent notices that you sent to me in the mail that I have an account balance of {$1000.00} which is a positive balance which means that I have credits available to me and I want the balance returned to me immediately pursuant to 15 USC 1666d.

Take further notice that her failure to comply with these federal laws will be Prima facie evidence of willful noncompliance Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ), civil negligent noncompliance Pursuant to 15 USC 1681o and criminal liability for willful and knowing violation Pursuant to 15 USC 1611 ( 3 ) ; I responded with an affidavit of fact, consumer enforcement action and a copy of the notices that they sent to me pointing out their violations and civil liability ( 15 USC 1692k ) of the Federal Debt Collection Practices Act ( FDCPA ) Title 15 of the United States code sent via United States Postal Service certified mail and CREDIT COLLECTION SERVICES has received my Affidavit of Fact, Bill of Particulars and copy of their notices pointing out the violations of the Federal Debt Collection Practices Act via certified mail number XXXX XXXX XXXX XXXX XXXX on XXXX.There is no proof to the contrary. 
Take further notice that CREDIT COLLECTION SERVICES, violator of my rights under color of law, have been informed of U.S. Law and informed that if a settlement is not reached within 10 days charges will be filed in the Civil Rights Division of the Department of Justice and/or with the United States District Attorney and/or in the U.S. District Court for willful violation of my U.S. Civil rights.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX this online portal was locked due to identity concerns. Information was provided. Remained locked up until today. 

Ref # XXXX XXXX XX/XX/XXXX Equifax- no change but would escalate to Tech support to remove and check I. 24 hours. 

XX/XX/XXXX XXXX cut off never called back XXXX - informed tech support and nothing was done so he escalated again for ticket that was escalated XX/XX/XXXX. 
Need 7-10 days. 

XX/XX/XXXX After repeated calls. This is the same message received from before with no change.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau the documents needed are picture ID, a bill and a letter of advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) 6 ).
Product: Mortgage

XXXX Provided proof of 100 % eligibility from the VA for Tax Exemption XXXX Req tax lines be updated, request payment be adjusted with and overage of escrow funds be mailed to us with proof from the county tax office provided to Truist XXXX XXXX Truist XXXX sent us a letter to acknowledge we are now tax exempt XXXX Spoke to A Tax Supervisor - she said she would have the tax lines corrected, and would notify me once completed XXXX Supervisor left a voicemail message that the tax lines were updated, and would have me call to Escrow to request an new analysis be processed XXXX I called again to Truist Escrow to ensure the tax lines were updated, and a new rep indicated the tax lines were updated and that a new escrow analysis would be completed today. 
XXXX I was told escrow analysis in processed with an overage refund XXXX Another Supervisor called me and gave {$2000.00} with a balance of 4 months cushion retained of {$830.00} which should not be but 2 months cushion held back, XXXX We still have not received an escrow analysis of overage refund check, spoke today to a Rep she indicate no analysis has been processed nor an overage check ever mailed to us, The Website indicates a overage check was mailed on XXXX and a statement has processed, but we have no access to review it not=r have we received it in the mail. This has gone on just shy of 4 days from being a 60 day request to handle our escrow account according to RESPA guidelines and we keep getting another lie each time we speak with Truist. Please help.
Product: Money transfer, virtual currency, or money service

Complaint to TransferWise Dear Whom May Concern, My TransferWise account got deactivated and money withheld because I used TransferWise to transfer money to invest in Cryptocurrency. I received an email stating the refund will be back to my bank account in a maximumof 3 workingdays, but still now l haven't received it. Please see the attachmentfor evidence. 

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

XX/XX/XXXX I requested account be closed due to subprime card interest rates/annual fee of {$99.00}. This card was reported as being paid late, after the closing by consumer request. Account was never late, paid on time since XX/XX/XXXX ( When account was opened ). I paid account in full after several disputes with Continental finance. I completed my end of the agreement, while the company continued to report my payments as late/never deleted negative account status after I paid in full/closed account. This is a violation of the CARES ACT enabled XX/XX/XXXX.
Product: Mortgage

Currently we have a mortgage with a mortgage company called Seterus. We have already set up a login information for the electronic transfer of information. All our information is current and update including phone numbers. Apparently this bank made a change in our monthly mortgage payment in the month of XXXX, 2015 without notifying us about the change. We made our regular monthly mortgage payment for the month of XXXX according to our payment schedule being unaware of any changes in the amount. Finally only few weeks ago we got a XXXX letter about the change in the amount after this bank had already declared as delinquent and reported it to all the credit bureaus. Apparently they never applied our payment in full to our monthly payment and withheld the entire amount to be applied to our account. Once we found out about the change in payment we have caught up with all the changes and are current in our payments. But it is causing us hard ship on our credit rating as we are applying for a new mortgage loan. Therefore, we request your agency to take an action against this institution about harassing techniques and make unnecessary charges and penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent XXXX more than 8 letters since XX/XX/XXXX regarding this account on my credit report by the name of XXXX XXXX and another of XXXX  XXXX card. they continue to verified as accurate eventhough when i point oout all the inaccuracies and violation on this accounts, XXXX XXXX reports as open which is not, it has been closed since XXXX, i disputed with the creditor also and they did not place the " notice of dispute '' not the creditor nor the credit bureaus, XXXX XXXX card the same thing, this account reports a late payment every single month eventhough it has been closed since XXXX, the creditors ignores my request of disputes and the credit bureaus continue to verify inaccurate accounts in violation. Transunion has been the same exact issues. how can XXXX see the inaccuracies and violations and remove these accounts, but XXXX and transunion wont see them???
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under The Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to foward consumer -provided evidence to furnisher, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian inactions violates federal law and my rights as a customer.
Product: Debt collection

To whom it may concern, My name is XXXX XXXX. XXXX # XXXX XXXX Midland Credit Management Inc XXXX MCM is suing me for a credit card debit. I was served on XX/XX/XXXX and was summon to show up in court on XX/XX/XXXX. Then I received a letter stating that the court date has been moved to XX/XX/XXXX. 

I have a dispute and have requested information from a creditor Midland Credit Management Inc. I have not received any information from this company and I requested this information on XX/XX/XXXX. We have a court date of XX/XX/XXXX and I still have not received any information. I have a post office receipt showing that the company received my letter. 

The following information is being requested from MCM. 
**a signed copy of the contract/agreement with my signature stating that I have an agreement with Midland Credit Management XXXX copy of all documentation/paperwork for the XXXX XXXX account showing how the charge amount totals to {$6200.00}. 
** signed documentation showing that I give XXXX XXXX permission to sell my personal information XXXX a copy of the bill of sale and the purchase price that the debt collector paid for the debit and the date the debit was purchased. 

My contact information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Thank you XXXX XXXX
Product: Student loan

I have been disputing this account with the bureaus since XX/XX/XXXX and started to dispute directly with the company, Discover Student Loans, on XX/XX/XXXX. When they didn't respond to me, I sent another dispute requesting validation of debt on XX/XX/XXXX and again on XX/XX/XXXX. Today is XX/XX/XXXX and I have sent ANOTHER dispute through certified mail to Discover Student Loans, but to date I haven't received anything from them and I don't believe this debt is valid! They have yet to validate it as well!
Product: Debt collection

VALIDATION AND CEASE AND DESIST Consumer Adj Co XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Dear Consumer Adj Co, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Reinvestigation and Removal of Inaccurate Information under 15 USC 1681 I am writing to dispute inaccurate information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i. Upon reviewing my credit report, I have found the following items to be incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are erroneous, and I am requesting that you immediately reinvestigate these inaccuracies and, upon confirmation, remove the items from my credit report.

Please confirm in writing once the reinvestigation has been completed and the items have been removed from my report.

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I had sent XXXX XXXX from XXXX XXXX to Coinbase Exchange so that I could sell the currency. At the time worth approximately {$10000.00} ( Current value at the time of writing this complaint, {$8500.00} ) My Coinbase wallet address and destination tag were included. The transmission receipt shows that Coinbase received the currency however it was never credited to my Coinbase wallet. I contacted Coinbase XX/XX/XXXX to inform them that my funds hadn't arrived in a timely manner and they told me it would take five days to investigate. Immediately after getting off of the phone, I received and email from Coinbase support stating that it would take four to five weeks for a specialist to review. So I called back and they assured me that they would escalate the case. I have received several automated email messages since, stating that my case is being reviewed by an account specialist. This is still unresolved. 

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

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These Inquires were falsely advertised as soft inquires and was not given consent to conduct hard pull
Product: Debt or credit management

I signed up for their debt consolidation program on XX/XX/XXXXXXXX  ( please see Exhibit A ) and they were supposed to negotiate ans settle all the accounts enrolled in the program. 
I was sending {$370.00} twice a month according to their program. Aound XX/XX/XXXX, after I realized tthat this was going to take longer than what they ( CDR ) told me I reached out to XXXX XXXX 
XXXX, after many many attempts, finally I was able to talk to him and asked him how my program will be solved if it's moving so slow then XXXX XXXX said I qualify for a " graduation loan '' that could pay for all the accounts he's already settled including XXXX, by XX/XX/XXXX I had already sent around {$7500.00} total. I got thhe graduation loan for $ XXXX and XXXX XXXX paid all the accounts EXCEPT the XXXX card, he never paid a dolalr intc that account and he refused to talk to me anymore but last time I spoke witt him he said that I will be reesponsible for the XXXX and I had to deal directly with them. I ended up wiht a $ XXXX loan which paid for those other accounts but now I had to deal with $ XXXX XXXX balance and he refusesd to return my deposit of {$7500.00} dollars, when he had enouchg money to pay for the settled accoutns and still take his fees. Pelase review and help, Thanks beforehrand.
Product: Credit reporting or other personal consumer reports

From XXXX, I was a loyal XXXX XXXX XXXXXXXX XXXX XXXX While I never missed a statement balance payment and have excellent credit history, my attempts to close my XXXX XXXX XXXX account were met with inconsistent customer service, verbal commitments that were left unfulfilled, and misunderstandings that have negatively impacted my credit score. 

At the end of XXXX, I decided to stop using my XXXX XXXX XXXX Credit Card. At that time, Auto Payments were suspended. From XX/XX/XXXX thru XX/XX/XXXX, no activity took place. In XX/XX/XXXX, a vendor unexpectedly renewed a prior subscription, resulting in a charge/balance of {$96.00}. A statement balance payment was scheduled pursuant to account settings. 

In XXXX, I contacted XXXX XXXX XXXXXXXX, requested the card be cancelled, and verbally authorized payment in full of the outstanding balance from my linked bank account. I was provided confirmation that this would take place by the end of XXXX, preserving my Credit Score and closing the account. 

The balance history shows {$0.00} for XX/XX/XXXX, consistent with expectations. 
However, the card was not cancelled. 

In XXXX, the same vendor attempted to renew a subscription, this time for {$97.00}. I contacted XXXX XXXX  XXXX again to reconfirm the card had been cancelled, and was surprised to learn it had not. I again requested the balance be paid, card be cancelled and account closed. This was again confirmed. 

Yet to my surprise, a balance of {$1.00} remained in XX/XX/XXXX. It is unclear how this transpired, but appears to be a result of interest charges lagging prior confirmed payments. 

My Credit Report today shows this account as closed XX/XX/XXXX, following two months of late payments ( 30 and 60 day delinquency, respectively ) for amounts of {$96.00} and {$1.00}. 

As a former cardholder and loyal customer, who has consistently paid statement balances and loans in full, on time, for over 20 years with otherwise excellent credit, I can not accept that my Credit Score until the year XXXX will be significantly impacted by 30 and 60 day 'past due ' incidents when the Bank provided verbal confirmation that the account would be closed as of XX/XX/XXXX.
Product: Credit card

See the attached documents. I want the bureau to begin an investigation into these accounts since I am always punctual, yet they inaccurately label me as late.
Product: Credit card or prepaid card

I opened the account and made payments and when came time to close the account the lender is not excepting my identity verification even thought I sent the verification 10 times
Product: Debt collection

I, natural person and creditor, XXXX XXXX, entered into a consumer credit transaction with Navy Federal Credit Union. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.