23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I originally started the application process on XX/XX/21 and was given the Loan Estimate with XXXX XXXX  of {$2300.00} on XX/XX/21. 
XXXX XXXX NMLS # XXXX was the Loan Officer from Loan Depot that started my application and locked in the details of the loan. It was interesting how he wanted me to commit to a home value ( I'm no expert and they still have to do an appraisal anyway ) in order to lock me into the loan terms ( which they later change and charge more if the appraisal fails the numbers you gave them ). This behavior in itself is setup to take advantage of you by changing the terms once the appraisal is done. Also, I had closed a loan ( Closed on XX/XX/21 ) previously with Loan Depot and the appraiser mentioned how afraid he was of any legal action from Loan Depot for reporting on the 'real " current market rate ( a current seller 's market ), knowing Loan Depot would take legal action against him or may not use him again, if his appraisal changed in a year. This practice and behavior forces a lower than standard appraisal from the appraiser, every time. 
Back to the Lender Credits ... after requesting all updates to my Loan Estimate be communicated to me with what the update actually was ( I requested this via voice and email ), Loan Depot would not comply with this request, so I was left reviewing and trying to spot the differences between Loan Estimates each time and having to figure out what the changes were. This setup and behavior, in my opinion, is a great way to set the borrower up for hidden 'bait and switch ' tactics which would go unnoticed due to many Loan Estimate updates being provided by the electronic system and only a 'viewing ' confirmation needed in order to XXXXconfirm ' approval. Whereby, the borrower, who has spent the last month or longer waiting for closing to be scheduled would forgo last minute $ $ changes in order to get to a closing. They really get you when they have you by the short hairs. 
For me the 'bait and switch ' occurred on the Loan Estimate dated on XX/XX/21 whereby, all of a sudden, my XXXX XXXX was now {$1000.00} ( a full {$1200.00} less ). I noticed this immediately and called the current Account Manager, XXXX XXXX who immediately sent out an email internally to managers and XXXX regarding this. The following day XXXX called me and admitted the error was on their part ; however, there would be no change in the Lender Credit. I told him this was a bait and switch and asked about speaking to his manager, which he replied, that would not be necessary. I told him I was cancelling this loan. He said he was refunding my Appraisal cost ( which yet has to be returned ). 
Thank XXXX for a few other Lenders Ive talked with who told me to go on CFPB to write this up and make a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX  XXXX Balance : {$350.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX/XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I was contacted by phone by Barclay Rewards Matercard on XX/XX/2020 about a payment that was due XX/XX/2020 and was not shown as received on my account. I immediately contacted the bank through which it was paid, XXXX. They provided me written confirmation that my payment was received and cashed by Barclays within 20 minutes. I was forced to argue with Barclays for nearly a week until they would provide me with a fax number to send the voided check. That was faxed on XX/XX/2020. In the interim I have been forced to pay an increased payment to cover the money they lost due on XX/XX/2020. They have indicated that their policies allow them up to 25 business days to even investigate the missing money, then another 7-10 business days to process. I have been calling daily to request written confirmation that my money has been located and correctly applied to my account, the interest corrected and fees corrected. It is now more than 30 days since my money was lost and 5 days after I have been required to pay penalties because the bank lost money delivered and cashed ahead of the XXXX due day and I still have no written confirmation that my money has been located. I have been in contact with them on a daily basis. Every day begins with them denying that my money was lost, verbally telling me it has in fact been found and refusing to send me anything in writing indicating that the mistake has been corrected. 
I must insist on something in writing as I am now routed to collections every time I call Barclays which makes me doubt that they have located my payment yet despite having the confirmation number of the transaction and a copy of the check I cashed. 
I am attempting to resolve this as I am completing this complaint form. I am now being advised that my money hasn't actually been found despite them having a voided check since XX/XX/2020. I would like to request the CFPB listen to my telephone conversations recorded by Barclays. They have repeatedly verbally advised my payment had been found and applied and it has not in fact been. I feel as though an attempt has been made to entrap me into a second payment issue. Thankfully I no longer have any trust in this bank and have not only made the large XXXX payment that resulted from the payment Barclays lost but also begun transferring this balance to a bank I have some level of trust in.
Product: Checking or savings account

KeyBank is holding back our stimulus payments as people are starving. They promised all weekend that the funds would be made available on today XX/XX/2021 as it is the date the checks from the IRS are dated yet none of Keybanks customers have received their funds. Tried repeatedly to contact KeyBank but to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter regarding the handling of my credit report. I have experienced persistent issues with the presence of fraudulent items on my report, and despite multiple attempts to rectify the situation, these items have not been adequately addressed. I am deeply concerned about the impact this has on my creditworthiness and overall financial standing. 

I have attached supporting documentation, including police reports, affidavits of fraud, and any other relevant materials, to substantiate the fraudulent nature of these items. 

I kindly request that your agency conducts a thorough investigation into these matters and takes immediate action to remove the fraudulent items from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and the presence of fraudulent items is a direct violation of this regulation. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to remove the fraudulent items. 

Please provide a written response within 30 days of receiving this complaint, as required by the FCRA, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX XXXX
Product: Credit card or prepaid card

PLEASE MAKE THIS COMPLAINT PUBLIC On XX/XX/22 a charge of {$2000.00} was taken from my account On XX/XX/22 a charge of {$2000.00} was taken from my account On XX/XX/22 another charge of {$2000.00} was taken from my account Several unsuccessful attempts had been made. I had no choice but to file complaints with the CFPB. 

After the complaint was filed I get the refund the unknown charges back in my account On XX/XX/22 a refund of {$2000.00} was made to my account On XX/XX/22 a refund of {$2000.00} was made to my account. This refund is for the illegal double charge. 

As of this filing, I dont know what the charge of {$2000.00} was for. XXXX I request explanation for this charge?
Product: Debt collection

So XXXX XXXX XXXX called me today for the first time since owning my debt in XXXX. They have told me they sent a validation letter out in XXXX and I NEVER received it. When I first answered the phone THE FIRST THING out of there mouth was you need to pay today to avoid us contacting an attorney in your area to sue. I advised them that I never had any communication with them prior to today and that I feel that it seems to be pretty unethical and intimidating practices that they are immediately wanting to take me to court. I offered to pay an amount and they said that they needed first 20 % of the debt to avoid me being sued after asking what I could afford which was XXXX dollars a month. When I asked for the XXXX she said she needed a XXXX payment to avoid court due to failure to pay. I asked how could it be failure to pay when Im trying to pay you something now to show you I will pay the debt. She said she was well within her guidelines to threaten and ask for that amount.
Product: Mortgage

Loan No. XXXX, account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX In my initial contact with Select Portfolio Service Inc, I request to Select Portfolio Service to validate their claim of debt owed by XXXX XXXX, after countless threatening letters which includes notice of default and right to cure from Select Portfolio Service Inc, they stated " that they were the holder of said promissory note and it was available for my inspection in the State of Utah ''. As a Servicer/Intermediary between XXXX XXXX banking institution and XXXX XXXX, I gave specific instruction on where to redeem said note with allonge attached to the appropriate obligor. I have fully acknowledged said Warranty Deed which is required by law as well. I XXXX XXXX have exhausted all legal and lawful remedies in trying to satisfy my obligation with said mortgage company, and to make matter worse the mortgage value is not reflecting the state property value in any way. 

Thanks you for your attention to this argent matter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : I recently received a copy of my credit report from the major credit reporting agencies, and noticed some late payments entry on my credit report : Your company is in CLEAR violation of the consumer law. Under 15 USC 1681b the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL : Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT ( FCRA ) 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to Section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report ; DELETE the entry of the above late payment from my consumer credit report, because this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with this DELETION of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : ( 1 ) Defamation of Character ( per se ) ; ( 2 ) Negligent Enablement of Identity Fraud ; ( 3 ) Fair Debt Collection Practice Act 15 USC 1692g violation ; ( 4 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]. 

Thank you ... ... .....
Product: Mortgage

We applied for a refinance loan and met all loan criteria, income, ratios, etc. We also paid for an independent appraisal that Ethos Lending chose for us. The appraisal came in at $ XXXX for our home. For whatever reason Ethos chose to get a " desk review '' of the appraisal. The reviewer did nothing more than look at comps, no visit, nothing but challenged the valuation by the appraiser. The reviewer 's work was shoddy and even Ethos said he was out of line. The first appraisal was in line with other sales in our HOA development and we provided proof of this. But in spite of this, Ethos wanted us to pay to obtain a second appraisal. In the meantime Ethos changed the Good Faith Estimate twice on us from their original amount due to their delays. They are completely out of line to deny us the loan and the truth is they have completely left us hanging and gave us NO written reply as to what was going on. They could have at least said we will approve you for a lessor loan amount. Nothing. No response.
Product: Credit card or prepaid card

I have called XXXX XXXX on multiple occasions about a ridiculous 23.9 % interest rate. I have had a steady income increase and credit increase but every time I ask about an interest rate reduction I 'm told they 're not doing them at this time ( this has been over a two year period. ) They allowed me to get this card when I had barely any credit or income and locked me into a fee that refuses to change even after years. When I call and ask questions, I 've been lied to by representatives telling me I have to have an 800 credit score to get a reduction and another representative hung up on me. This bank needs to be investigated and needs to make some changes. Beyond preying on people through Walmart, they have untrained representatives. Please do not ever get involved with this bank even if you 're down and out. They 're no better than a payday loan. I am saving money to pay them off and closing the account no matter how much it hurts my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1900.00} XXXX XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$64000.00} XXXX XXXX.
Product: Debt collection

had a loan with beneficial, this loan was backed with a collateral I use my van, and bought insurance for d loan but my van was stolen an beneficial ask me for d police report, I took d police report to them an d loan was paid cause I had d insurance and lost my van. this happen I 2007 do n't know why after 9 yrs. this company " Asset Acceptance , llc '' wants to collect money. please help do n't want from them to keep bothering me and my wife, I m a XXXX yr. old and get tu frustraded.with this matter.thank you
Product: Payday loan, title loan, or personal loan

The company is charging an excess of 600 % APR for {$400.00}. I now owe over {$600.00}. As such, I am unable to pay of the loan. I have notified the company of the Florida statutes. They alluded to Federal law, but they could not cite the statutes that show that the loan is not able to addressed under the Florida courts. They have sent me misleading information, which was revealed to be half-truths when I read the CFR and XXXX regulating the matter. I believe that legal error happened and that they are attempting to take advantage of a permanently and total XXXX veteran on a fixed income. As such, I am requesting that CFPB and FTC investigate this matter.
Product: Mortgage

XX/XX/XXXX I purchased a home for $ XXXX with XXXX XXXX XXXX as the lender. At the time I was employed full time as a XXXX. However, in XX/XX/XXXX I was laid off from my position. This caused me to fall behind on my mortgage payment missing a my first payment XX/XX/XXXX. This was reported on my credit statement as a 30 day delinquency. This happened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, progressing to 60 days, 90 days, and then 120 days til it was sold XX/XX/XXXX. I tried to work with the lender to complete a modification, but they refused to work with me even once I started back making regular payments. It was n't enough to cover the periods of times that I missed or tried to make a partial payment out of good faith. This caused my loan to be sold XX/XX/XXXX to purchaser Selene Finance, they have the same date of opening of XX/XX/XXXX, but everything is is in accurate. They reported first date of delinquency of XX/XX/XXXX after my 60 day grace period was over. Neither company is reporting my date of first delinquency in an accurate manner making it hard to put this difficult time behind me. Under FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. I am requesting an investigation to get this item updated on my credit report since it is inaccurate under the law. My credit report accurately shows date of delinquency as well as date of transfer, and my account never being brought current after going delinquent. The home was recently foreclosed XX/XX/XXXX due to continued late fees that equaled half a month of mortgage. I was unable to pay due to unemployment that arose XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has closed my auto loan account with the status of " charge-off '' for a past due amount of {$2900.00} in error. XXXX has already received payoff for the loan, as shown by the three attachments : 1 ) loan payoff receipt from XXXX ; 2 ) loan payoff guarantee for {$48000.00} from XXXX ; and 3 ) loan payoff confirmation from XXXX. Feel free to reach out to XXXX directly at XXXX referencing my claim # XXXX and ask for the manager, XXXX XXXX. We have already attempted to resolve the issue with XXXX through several phone calls on these dates : XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. We have e-mailed them as well. However, XXXX has been unresponsive. Also, they no longer have a phone number, only an address, listed for credit report disputes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Support for Legal Action Against XXXX, XXXX, Equifax, and XXXX Regarding Inaccurate Credit Reporting Practices To Whom It May Concern, I am writing to express my full support for the recent lawsuit against XXXX, XXXX, Equifax, and XXXX regarding their failure to remove inaccurate late charges and ensure fair and accurate credit reporting. These systemic issues have caused widespread financial harm and emotional distress to countless individuals, myself included, and demand immediate reform. 

In my personal experience, XXXX, XXXX, Equifax, and XXXX have all refused to correct errors on my credit report, despite my providing clear evidence, including documentation from my bank acknowledging the mistakes. Their refusal to act on these errors has unjustly impacted my credit score, resulted in higher interest rates, and limited my access to financial opportunities. These institutions repeatedly failed to uphold their obligations under the Fair Credit Reporting Act ( FCRA ), leaving me and many others with no meaningful recourse. 

The actionsor inactionsof these credit reporting agencies undermine the trust consumers place in the financial system and disproportionately harm individuals who rely on accurate credit information for housing, employment, and financial stability. Their prioritization of profits and relationships with creditors over the rights of consumers is unacceptable. 

The consequences of these practices are devastating : 1. Unfair financial burdens, such as inflated interest rates, higher insurance premiums, and loan denials.

2. Missed opportunities, as landlords, employers, and other decision-makers use inaccurate credit reports to deny housing and jobs.

3. Mental and emotional distress, as consumers struggle to resolve errors with little accountability from these agencies. 

I commend the CFPB for taking legal action against these organizations and advocating for the rights of consumers. It is imperative that the CFPB hold XXXX, XXXX, Equifax, and XXXX accountable for their negligence and implement stronger regulations to prevent future abuses. 

I urge the CFPB to pursue this lawsuit to the fullest extent and take the following actions : Enforce stricter oversight of credit reporting agencies. 
Mandate clearer and more accessible dispute resolution processes. 
Impose severe penalties for non-compliance with FCRA regulations. 
Ensure that credit bureaus prioritize consumer rights over profits. 

Thank you for addressing this critical issue. I am hopeful that this lawsuit will lead to meaningful reforms and help restore fairness, transparency, and accountability in the credit reporting system. If there is any way I can assist in this effort or provide further details about my experience, please feel free to contact me. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I contacted Coinbase on XX/XX/XXXX  to move my funds from one vault to the new vault I created. The reason I created the   XXXX   vault is because I lost access to the  XXXX  email address on the first vault.
I am unable to access my funds in the default "   XXXX   Vault '' due to this problem. Their instructions are clear in stating that if you have lost access to your  XXXX  email address, simply create a new vault and ask support to transfer the funds.
I received a reply from Coinbase on  XX/XX/XXXX  stating they would respond within 72 hours. It has now been almost 3 weeks and I am still waiting for help.
My account is in good standing and I have verified my identity.