23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I spoke to XXXX XXXX from Waterstone Mortgages about getting a loan to refinance my properties. 

Waterstone Mortgage - XXXX XXXX | Senior Mortgage Advisor | NMLS # XXXX | WaterstoneMortgage.com XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX MOBILE XXXX FAX I had a decent credit score and he told me it looks I could get a XXXX loan. 
He pulled my credit. 
I explained to him everything, sent him my tax returns and balance sheets as I'm a XXXX XXXX XXXX. He said the way to go was XXXX. 
He told me to wait till XX/XX/XXXX that I get my XX/XX/XXXX tax return and that then he could get me 10 XXXX loans to refi my properties that had hard money loans on them. 
I believed him and waited. 
On XX/XX/XXXX he had me appraise my house and it cost me {$500.00} for an approved XXXX appraiser. 
On XX/XX/XXXX he tells me " go at XXXX XXXX at the IRS and have the tax return stamped and I can get your mortgage approved righyt away ... '' so I went as asked at XXXX XXXX to deposit my tax return and get the stamped copy ... 
One of my lenders to whom I explained XXXX XXXX 's promises believed me/him and comited to lend the money I was going to get back ... 
On the XX/XX/XXXX things were stalling and my investor started to get worried as his other client comitted and XXXX XXXX was showing signs of incompetence ... 
All at once he told me middle of XX/XX/XXXX " you can't have a XX/XX/XXXX because you have more than 10 loans. You need a conventional loan. My underwriter is away for a week then she'll decide ''. 
After a week he said, wait next week we will know for sure. 
Then he didn't answer my calls or return them. My lender had to rush get a heloc on his house so his other client wouldn't loose his down payment. 
I got upset yesterday and called his boss. She never returned my calls neither. I finally got her today and she said I didn't want to do business with them ...! 
I pulled my credit. For nothing I paid for an appraisal. For nothing I got my lender upset. For nothing He can't say I hid anything because he had my tax returns balance sheets, etc ... He's either incompetent or jealous I'm well off and was just playing games and making me waste my time. His boss sided with him without analyzing that I was taken for a ride by this ignorant guy. He should have known that XXXX was not for me and direct me in another direction immediately and not make me waste 7 months of high interests, {$500.00} useless appraisal, pulling my credit, etc ... and then acting like I'm a lunatic who changed his mind. 
This is not a way to treat a consumer. No? 
Thank you for taking the time of reading me XXXX XXXX XXXX
Product: Checking or savings account

I have been the victim of severe identity Theft, which included my bank accounts at XXXX XXXX  and BMO. Somebody access to my accounts fraudulently and changed the security codes for me to be locked out, change the address and phone numbers and mailed themselves a debit card. They access a pin via email reportedly and was able to use my debit card at ATMs, casinos, and other various locations in other areas I clearly was not. XXXX XXXX  did a great job with refunding the funds, however, BMO will not refund approximately {$6500.00}, because a pin number was used. They argue that they cant prove that I didnt give my pin number to somebody. Its ridiculous and its a lot of money that I should not be held liable for per consumer protection laws. My account has continued to be compromised at this bank, and I am pulling my money out immediately and going to a different bank.
Product: Debt collection

Received letter from Covergent Outsourcing debt collector stating I owe XXXX XXXX {$8500.00}. I've never had or owned a XXXX account.
Product: Credit card

XXXX. US Bank violated the Equal Credit Opportunity Act for not extending a line of credit as agreed in the original contract of a credit card account due to reasons other than banking such as race and community location.
Product: Credit card or prepaid card

Sir/madam : Re : Chase Bank Visa credit card # XXXX I was vacationing in XXXX XXXX, XXXX when I developed an XXXX and decided to checked in to XXXX Hospital. I was treated and they did other procedures like XXXX that in retrospect I suspected that it was done to increased their medical charges. I was released after 3 days. <P/>To our outmost shocked, I was billed for {$62000.00} in our Chase Bank visa credit card and Chase Bank accepted their charges. We now owe Chase Bank an additional {$62000.00}. We have just received a billing statement from Chase Bank Visa credit card that we now owe them this amount. My visa credit limit is only for {$15000.00}, but Chase Bank billed me way beyond my credit limit. <P/>The XXXX XXXX XXXX in XXXX cost only {$21000.00}. This hospital charged me {$62000.00}, three times of what a patient would pay for an XXXX XXXX XXXX. An XXXX treatment in XXXX would only cost a couple of thousand dollars. I was victimized like other American tourists in XXXX that needed some medical treatment. <P/>Chase Bank is not giving us any protection at all ; because XXXX Hospital could have charged me {$100000.00} and Chase Bank would just go along with it. My wife and I are both retirees and depending on our XXXX pension for our daily existence. We are on a real budget to survive. We saved many years so we can afford a vacation to XXXX. <P/>We can not afford to pay this humongous bill. We just ca n't. The monthly interest and principal on this amount would be around $ 600.00- {$80000.00} a month. There is no way we can pay it. The most we can do is pay this hospital to the maximum limit of our credit card. Prior to my checked in to this hospital, our credit card balance was XXXX and we still have {$8000.00} that we can spend. We are willing to pay the whole XXXX to XXXX just to go on with our life. <P/>Please help to right this unjust charges being imposed on us by Chase Bank. We appealed to them but they refused to listen to our side. They are a XXXX company and they should show more concern of the welfare of their customers and not treat them as trash. They should also be aware of the abuses of hospitals in XXXX to American tourists needing some medical treatments. <P/>Sincerely, XXXX & XXXX XXXX Email address : XXXX Address : XXXX XXXX XXXX, XXXX, Ca XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ; XXXX XXXX  XXXX XXXX Balance XXXX XXXX {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$580.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : ; XXXX XXXX XXXX Balance XXXX XXXX {$210.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX ; LOCATED AT : XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

Sent them a validation of debt letter asking for original contracts with signatures and they have not complied yet. They took XXXX item off but not the other and I do n't see what the difference is because they could not validate either account. They also have a status of 'pending cancellation ' for their XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About half of the U.S. population was impacted by the Equifax breach in 2017. Twice I 've contacted Equifax, and twice I 've been told my personal data MAY have been obtained by the hack as a result of this breach. That tells me nothing I did n't already know! 
I believe it is my consumer right to know for certain whether MY personal data was obtained by the hack. YES or NO?
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by EQUIFAX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act XX/XX/XXXX against { XXXX XXXX XXXX }? So I submit to you for examination, that this data also made by EQUIFAX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act XX/XX/XXXX because its a consumer. 
XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ).  Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected
Product: Mortgage

Account XXXX. 
Customer- XXXX XXXX In XXXX, I made a payment of {$15000.00} for deferral payment. Payment was taken over the phone. They did not adjust the money towards the deferral for reasons unknown and adjusted it to the next 13 months payments. They've reported that the deferral payment was never made on my mortgage statements. Now, I'm inthe process of obtaining a new home loan. My prospective lender asked me the reason why the US bank has adjusted the payments for the next 13 months instead of adjusting towards the deferral payments. The lender has requested a letter stating the facts. I've made requests and several phone calls to US bank customer service. I've also informed them about the urgency of the situation. I'd opened the case on XX/XX/XXXX. They initially said that they will email the payment history and letter on XXXX XXXX 've only emailed only the payment history. I called them about the letter and they said that the letter will be issued shortly. Again, they said that the letter was never requested. Next day, they said it will be sent. I spent several hours on call with them. I escalated the case. They spoke with administration and push a RUSH request and said that it would be emailed the same day. If not, it would be emailed on XX/XX/XXXX which is saturday. I called them back on Saturday and they said that the department is not open and will be done on Monday. I highly doubt that their intentions are clean as they've lied several times over the phone connecting me from customer service to loss mitigation. One of the agents mentioned that the deferral payment should've never been taken over the phone and it should've been taken in the form of a check in the name of deferral payments. Now, I'm at the risk of losing mortgage for my new home.If I lose the house, I'll have to sue the US bank. 
Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXXXXXX XXXX  is reporting A fraudulent account also with a pass to balance also as charge off XXXX. Also XXXX  XXXX is reporting A fraudulent account I have submit police report affidavit to the credit bureaus and is still not fix the problem or corrected it which is a violation of the fair credit acc.
Product: Mortgage

Back owned a heloc loan on our property. They sold to XXXX a sub of bac. They wrote the note off because we did not repay this loan in 2012. Now we understand XXXX financial bought the paper and is trying to get payment. It shows on our credit history it was written off. XXXX now has started trying to collect.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies concerning reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX  The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX The following inquiry was not and should not be reporting. XXXX XXXX XXXX XXXX The following inquiry was not and should not be reporting.

XXXX XXXXThe following inquiry was not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 closed my account with XXXX ( XXXX ) and returned the equipment. I have a receipt for the equipment return. XXXX is engaging debt collectors to obtain fees for the equipment and additional charges stating I did not return the equipment.
Product: Credit reporting or other personal consumer reports

FCRA XXXX, I think, necessitates the elimination of any incorrect accounts from my credit report. Could you verify the documents, please? There are inaccuracies in some listed accounts regarding reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

These were used to make inquiries to my account that I have not personally applied for remove these Immediately XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXn XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX : XXXX {$230.00} Account Info Account Number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$230.00} Account Info Account Number XXXX Open/Closed N/A Date Opened XX/XX/XXXX EQUIFAX XXXX XXXX XXXX {$230.00} Account Info Account Number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$720.00} Account Info Account Number XXXX Open/Closed Open Date Opened XX/XX/XXXX XXXX XXXX XXXX {$230.00} Account Info Account Number XXXX Open/Closed Open Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$230.00} Account Info Account Number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX {$8500.00} Account Info Account Number XXXX Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX {$230.00} Account Info Account Number XXXX Open/Closed Open Date Opened XX/XX/XXXX XXXX XXXX  {$720.00} Account Info Account Number XXXX Open/Closed Open Date Opened XX/XX/XXXXXXXX XXXX
Product: Credit card

I have an Apple Card, which is issued by Goldman Sachs. However, Goldman Sachs does not provide support for this, it is a partnership with Apple. On several occasions, I have had fraudulent charges applied to my card. When I dispute them through Apple 's automated system, they deny a refund with no explanation other than " ineligible for refund ''. Since Apple is both the seller and the card issuer, I have no recourse, so I decided to close the account. When I attempt to do so, I am transferred to a line where I wait to speak to an attendant indefinitely with no ETA for an answer. Apple 's chat system tells me I have to wait for 7 hours and 54 minutes for someone to respond. I'm not sitting on hold waiting for someone to answer for basically a business day. There should be a way to immediately close the account, but evidently there is not. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit consumer report and I see addresses I couldnt of possibly lived because Ive been XXXX for 9 years ( from XX/XX/XXXX to XX/XX/XXXX ) and was actually only XXXX 3 weeks ago. Ive tried to log on to various websites to monitor my credit and my identity cant be verified because of the ongoing issues.
Product: Debt collection

REF XXXX, Lendmark has violated the Equal Credit Opportunity Act and has discriminated against me. I exercised my right in good faith under Title 15 by stating the various ways that that Lendmark has violated Federal Law and then I pull my most recent credit report and they have charged off the account which is now another negative mark. This constitutes discrimination and they are liable to violating yet ANOTHER Federal Law.
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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Checking or savings account

Someone opened a fraudulent PNC checking account using my name. On XX/XX/22 I called the bank to report fraud but could not find a good resource.