23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have unresolved issues with this mortgage company that I refinanced with. I have made several attempts to contact them via texts, emails and phone messages but to only get no response. 
I began the refinancing process with XXXX XXXX from AmeriSave Mortgage back in XX/XX/XXXX. It took 4 months to close ( on a simple uncomplicated refi ) and was plagued with delays, miscommunications and poor communication. My emails and phone messages would often go unanswered for days if at all. 
Finally, the closing was scheduled for XX/XX/XXXX. A notary public was due to come to my house at XXXX to do the closing. I was given the closing disclosure to review on that day at XXXX. When I reviewed it I had a few questions : ie. why disbursement date was for XX/XX/XXXX and not XX/XX/XXXX? Why am I getting back {$3900.00} when I was told I couldnt get more than {$2000.00}? etc. I was concerned that when they paid off my current mortgage on the XXXX that it would include a late fee because it was being made after the XXXX. So I wanted clarification of this disbursement date. I notified my loan processor, XXXX XXXX, that I had questions via text, email and messages on her phone. I was getting anxious because she was not getting back to me and the closing time was getting close. I finally got an email from her at XXXX stating she will call me at XXXX. I waited by the phone for that call and it never came. I called, texted and emailed her but I NEVER HEARD FROM HER AGAIN! 
The notary public came to do the closing but obviously couldnt answer the questions I had. I ended up closing although I felt very uncomfortable doing so seeing I still had unanswered questions. 
After the closing, the actual disbursement occurred on XX/XX/XXXX which caused a {$53.00} late fee from my original mortgage company. I was charged an {$18.00} wiring fee ( for payout money that was coming to me ) that I was never informed about. Had I know that would occur I never would have agreed and just simply waited for a check. 
Then on XX/XX/XXXX I got a text from a XXXX XXXX saying he is going to be my loan processor. I thought it was very odd because I had already closed. When I texted him back I got a generic message saying he was out of the office. And on XX/XX/XXXX he sent me an email saying there was an inadvertent error during the closing. When I sent him emails with questions I only got out of office emails back. 
Several days later I got a call from a woman ( I believe her name was XXXX or XXXX ) at AmeriSave regarding a negative review I had given. I had received a survey from AmeriSave and filled it out. Anyways, I explained to this woman all the issues and lack of responses I have had. She said she was going to have her supervisor reach out to me in the next day or two. I have never heard from the supervisor or her again! And that was over three weeks ago. 

I am very frustrated with this company. I am shocked at the level of unprofessionalism and disregard for their customers. This has been a major hassle and time consuming! 
I have many emails and texts to corroborate my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed XXXX XXXX opened on XX/XX/2021 for {$1400.00} under the name of XXXX XXXX XXXX with a monthly payment of {$120.00}. I already disputed it twice and it just comes back with update. I haven't made any new accounts this year, nor have I gotten a loan. The last account I opened was with XXXX XXXX last year, so I don't understand how this new account opened. Let alone with my information. I haven't called the company directly because I'm afraid it may be a scam. Please fix this issue, I've already taken precautionary routes such as changing my passwords, and locking my credit file because I don't know how this bank got my information when I haven't opened any accounts nor bought anything nor asked for a loan this year. The last account I opened was XXXX XXXX last year, and the last time I asked for a loan was with Oportun which I just finished off paying recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over  resolving  my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  2017 , I disputed my bankruptcy that is being reported on my Equifa x Credit File and  it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  2017 , this time I submitted a letter from th e U.S. Bank ruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  2017  stating the FCRA regulation for Section   623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was not verified be  cause of the letter I received from the bankruptcy court on  XXXX   XXXX .  ( 2 ) I submit ted a Security Freeze on my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,    2017  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at Equifax they informed me everything was verified and accurate on both  Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that wa s discharged and the Lien. I do n't understand how they were verified when noone at the courts verified a nd there is a Security Freeze in place.     I have attached all documentation showing such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX Account # XXXX - has violated my rights. 

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 an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received an email from Experian in regards to a dispute I filed. The dispute was for inquiries I didn't authorize. ( Report # XXXX ) I read the report and the items I disputed were DELETED by Experian according to the report. I logged in to my Experian account to confirm that the inquiries had been removed but they were still showing up on my report. I called Experian and reported this problem. I was told it would take a few hours to update. 

On XX/XX/22. I called Experian to to inform them, the items they said were deleted were still showing up on my report. The agent told me I would need to purchase an Experian credit monitoring membership in order for them to update my account.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

I recently became a user of Mercury 's banking services and was in the process of exploring their features when I unexpectedly encountered an issue. Just under five days into using the service, my account was suddenly restricted. This was particularly alarming as I was unable to log in or access the {$25000.00} in funds, which are crucial for my business operations.

In an attempt to resolve the issue, I reached out to Mercury 's customer support, inquiring about the reason for this sudden restriction and requesting the return of my funds. Despite my efforts to contact them, I have not received any response or explanation from Mercury. The lack of communication and the unexplained restriction of my account have left me in a challenging position, impeding my ability to manage my business finances effectively. 

The situation has caused significant distress and inconvenience, and I am in urgent need of a resolution. I am seeking clarity on why my account was restricted and the immediate return of my funds. The resolution of this issue is critical for the continuity of my business operations.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts. 
Account name : XXXX XXXX XXXX Date Opened : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Consumer Loan

Hello, My name is XXXX XXXX. We ( my spouse and I ) are retired. I believe that the cardealership wherewe purchased a car ( XXXX XXXX and NISSAN MOTOR ACCEPTANCE CORPORATION, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ) has misleadus by financial misrepresentation which may make the car purchase costus more thanwe believed it would. 
1. While negotiating with the salesman, on the phone and E-Mail, our understanding was that : a ) The discounted sale price of a XXXX can be achieved only if the car is not paid by cash but by going through the dealership 's financial department. 
b ) The agreed upon discounted sale price ++ ( bottom line of {$35000.00} ) will not be affected by financing the initial purchase.We can " PREPAY THE LOAN '' without penalty or any other charges. 
2. The loan officer was going through the paperwork very fast and coerced us to sign an agreement that we were not given enough time to understand. 
3. When we took the car home and went through the financial contract we found out that : a ) The loan term is 72 months b ) The ANNUAL PECENTAGE RATE is 4.65 % c ) The amount of Payments is {$560.00} d ) Monthly beginning on XXXX/XXXX/2016 Is there anybody that can help us in this matter? 

Please let us know. 

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

Upon reviewing my reports, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still presenting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$6900.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

This complaint is in regards to the unethical business practices in which XXXX XXXX NMLS # XXXX with M & T Bank endured on me. I am a XXXX-year-old citizen and was trying to buy my first home with a FHA 3.5 % loan. After listening and trusting in the loan originator mentioned above, I felt I can trust her and the bank at hand. After 2 months of phone and emails, we finally decided to move forward with the loan process. She mentioned to me that to move forward, I need to have the appraisal done first to START the application. I asked her why would I pay for something upfront if I do not know if I am going to get accepted for the loan first ...? I then asked if I get charged for the appraisal and get denied, will I get my money returned, and she said yes. I read the fine print as well, and it did mention I can get a refund if denied the loan during process. So, trusting her since this is my first time, I said okay, let 's go forward. NOW, I am stuck with a {$930.00} appraisal fee ( with no appraisal document ) with a loan that I was denied. I was baffled on how fast she turned over the tables and said that I need 25 % down for the loan to proceed or I will get denied. I said WHAT! I was under the influence of her telling me that everything is good, then went from {$3500.00} down payment to {$25000.00}. All my paper work went through for a FHA loan, not a conventional, and then I received a letter on XXXX XXXX, 2017 stating that I was denied but with no reason for why I was denied the loan. And I am also stuck with the {$930.00} appraisal fee which they refuse to credit back, again, with no valid reason which was done on the XXXX. The appraisal was done on XXXX XXXX, 2017 and the way that I found out was through my broker who called me the same to tell me the appraiser finished. I said oh wow, because I had no knowledge of when he was going to meet with my broker, which all happened in one day, in which THEY contacted my broker without my knowledge. 

So, the appraisal was done on the XXXX, I was denied on the XXXX and asked to put {$25000.00} instead or we can not go through with the loan. I still have not received a valid reason for being denied and still have a charge of {$930.00} on my credit card. This was a clear indication that the loan originator was all along trying to get the most money out of me by deceiving me from the beginning. Then I reached out to several numbers to get some help and all the calls with M & T Bank employees were just brushing me off. I also spoke with XXXX XXXX, VP of Administration for M & T Bank, her boss, and it has been over 3 weeks and several voice messages and no results. I feel I have been robbed of the opportunity to buy my first home and of {$930.00} for a service I can not use with M & T Bank unethical business practices. Currently, I am still waiting for a call or feedback and no luck. Why would they do this to a XXXX-year-old for?!? I wish I had help ... ...
Product: Credit card or prepaid card

A check was sent on XX/XX/XXXX in the amount of {$4300.00} electronically from XXXX XXXX XXXX. It was not applied to my account until XXXX XXXX 
I was charged a total of {$1100.00} in finance charges and late fees. Comenity bank has issued me credits amounting to {$450.00} which if {$730.00} short. 
I would like {$730.00} paid back to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed accounts that are not reporting accurately. I have late payments reporting on accounts that I in fact I paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts have not been late with payments. Ive attached a copy of my report to this complaint on the following accounts and dates XX/XX/XXXX, XX/XX/XXXX for XXXX Account number XXXX. XXXX XXXX dates XX/XX/XXXX, XX/XX/XXXX account number XXXX. XXXX dates XXXX account number XXXX. Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquiries these inquiries are a result of identity theft these hard inquiries must be removed no later than four business days as per 15 USC 1681 c-2
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  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XX/XX/year>
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 : Account Number : XXXX : Balance : {$5300.00} Account Name : XXXX XXXX Account Number : XXXX : Balance : {$3700.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2400.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/year> 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

XXXX  ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Checking or savings account

I deposited a payroll check in the atm than it got stuck and check not found
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Date : XX/XX/year> This is fraudulent inquiry. Please Delete Immediately XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year> This is fraudulent inquiry. Please Delete Immediately XXXX XXXX Inquiry Date : XX/XX/year> & XX/XX/year> This is fraudulent inquiry. Please Delete Immediately XXXX  XXXX Inquiry Date : XXXX This is fraudulent inquiry. Please Delete Immediately Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.