23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sir or Madam : My wife and I recently ( XX/XX/2022 ) attempted to refinance my mortgage with US Bank. I chose them because my existing loan was already with them. I was assigned a loan officer, XXXX XXXX XXXX XXXX help the process go smoothlyI thought. 
I filled XXXX XXXX in with all the personal and financial information he requested. He indicated that the only out of pocket expenses I would be responsible for was an application fee of {$390.00}. I learned, as the process continued, that XXXX XXXX concept of Out of Pocket did not include what eventually would become thousands of dollars in bank charges taken from the sum I was borrowingbut the truly outrageous problems were yet to come. 
In the first set of loan documents I was sent the estimated cash to close included a cash payment to me of {$4400.00} plus dollars. Less than what I expected but XXXX XXXX explained that because they had to increase the amount of the loan based on my income the costs had gone up. These loan docs were e-mailed and I Docu Signed them. 
In the mail arrived a full set of loan docs on paper for my wife and I to sign. On the page that included the costs, what previously was {$4400.00} plus dollars had now become {$550.00}! The costs had once again gone up. I tried calling XXXX XXXX for four days but got no response. Instead I received an e-mail from him with all the Loan Docs for me to final review. On the cost page of these docs was a shock. The {$4400.00} that had become {$550.00} was now listed as {$22000.00} for me to pay the bank in order to get this load!!?? After two more days of trying which included have the US Bank home office send an e-mail to XXXX XXXX telling him to contact me, I finally reached him by calling all morning. 
On the cost page the loan had gone up, the points had doubled and other costs had been included. XXXX XXXX put it off to the back that my home, that the XXXX had listed at {$630000.00} was now worth {$730000.00}! He also seemed totally unaware of the {$22000.00} the bank wanted me to pay them to get this loan. 
In the past 50 years I have had many mortgage loans and have been through a number of refinances. No bankruptcies never missed a payment, never foreclosed. What this appears to me is a clear case of discrimination. The bank feeling that my wife and I were XXXX plus and therefore a poor risk. Rather than just pass, they felt it was easier to propose an outrageous amount of costs and therefore I would just go away. To this day I have not received the $ XXXX XXXX paid as the initial fee, nor any sort of reasonable explanation for the hours my wife and I spent with paperwork only to be left with nothing. 



Sincerely, XXXX XXXX XXXX XXXX ID in XXXX
Product: Credit reporting or other personal consumer reports

I submitted an FTC report indicating that the information on my credit report is not mine.
Product: Vehicle loan or lease

My car was refinanced through upstart back in XXXX. My previous lien holder mailed me a refund for overpayment. They have yet to release my title. I have sent emails, they ignore. The new title holder has reached out to them. Still no title. I have read they do this often.
Product: Credit reporting or other personal consumer reports

I have applications on XXXX. I was reached out to by one landlord asking about bankruptcies. 

In review of the Experian report, it shows several accounts as XXXX XXXX or XXXX. 

Their public records show no bankruptcies. 

I have not claimed bankruptcy since XXXX. The accounts in question are from XXXX this has caused me to lose 3 places to live as they believe I lied on my application regarding bankrupcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in documentation to XXXX, XXXX, and Experian that they received on the XXXX of XXXX for them to correct my credit report due to fraud. I sent them another letter on the XXXX of XXXX since I hadnt heard anything back from them and now here on the XXXX if XXXX still nothing. They had 30 days to correct my information and have failed to correct it still.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was horrified to find inaccurate accounts listed, and I have no clue how they got there. I regularly check my report, and everything was fine before now, but these errors just appeared out of nowhere. I even tried refreshing the page, thinking it might be a mistake, but nothing changed. Please, Im begging for the documents I sent to be thoroughly examined so I never have to deal with this again.
Product: Debt collection

Trying to re-finance mortgage and found XXXX judgments against me. Already completed the complaint with other judgment. This one just says GE Money Bank and they filed with County Clerk for {$5500.00} and when I got a hold of the law firm handling it, XXXX said that it 's really {$7000.00}. I do n't know what this is for. I was divorced in XXXX and this is dated from before that time ( they filed in XXXX but the debt is from years before ) I was also never notified that a judgment was filed.
Product: Checking or savings account

Called in to a representative and reported unauthorized transactions. She said she need to cancel my card. I expressly stated to not file a dispute. I made it clear to not file a dispute. I made it clear she didnt even have my address to send me a new card. She clearly stated that the card was active. I stated I had over XXXX accounts I would be forced to update. I did not want to have to do this because my daughters birthday was in XXXX week and her presents and gifts would not be delivered because they were attached to that account. I made it clear I would close all accounts if my card was closed because it was directly against my wishes and asked her one more time to verify if my card was active. She confirmed I said I would call back in to file a dispute. Within minutes I got a notice that my card was deactivated against my express wishes. A dispute was put in with only XXXX transactions, which is about XXXX short of what was taken so there is no point in filling a dispute because 90 % of the transactions are missing which means I need to do it all over again. The incompetence is just staggering. I have no way to access my money. My daughters birthday gifts will not be delivered. I had returns in excess of {$2000.00} that now will not be eligible to be returned.
Product: Mortgage

We used Fairway Independent Mortgage Corp. ( Fairway ) to purchase our home through their VA program as I am a XXXX Veteran. During the process of signing the mortgage paperwork, I asked our loan originator ( the person helping us with the application and our contact through out the entire process ) if we could make Bi-Monthly payments and for more than what the payment was ( additional principal ) to pay down our Mortgage. She told us yes we could and it could be set up online. I also asked her if our Mortgage would be sold, she advised us that although we were signing documents stating that it may be sold, that in fact no it wouldn't be sold. Less than 30 day after closing, before the XXXX payment was due, we were notified via phone by XXXX XXXX   that they had purchased our loan. As of this date ( XX/XX/18 ) we have not received ANY written or verbal correspondence from Fairway, as required by law that they have sold our Mortgage to XXXX XXXX  XXXX ( XXXX ). When attempting to set up Bi-Weekly payments and additional principal payments, XXXX XXXX advised me that they did not offer those options and that they would not apply additional principal payments until the next full payment was received, that funds would be held in a separate account. This option was very important to us and we were told that it was available to us, in addition, to have a re-amortization of our Mortgage, XXXX all charge us {$350.00}, there was no fee for this with Fairway. We did not agree to these terms and are forced to accept them due to the sale of our Mortgage. We feel that we were not treated fairly and lied to about this and it has affected the way that we wanted to pay our Mortgage and investment in our home.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right toprivacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states aconsumer reporting agency can not furnish a accountwithout my written instructions
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction
Product: Student loan

Nelnet does not follow your requests to allocate extra payments to the highest interest rate, thus you are paying more interest over the life of the loan. They also " magically '' move money to a group that was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian on XX/XX/2018 at XXXX XXXX  eastern time Initial call was transfer over to foreign representative in which I requested for a American representative, but then transfer over to several foreign representative 's requested four times to speak with American representative., after several attempts I was then transfer over to American Representative, named XXXX out of the Arkansas call center, XXXX refuses to transfer over to her Supervisor after she informed me that Experian does not nor obligated to inform the consumer of the results of the disputes additionally XXXX refuses give me the response date of the creditor. Experian is not in compliance of the fair credit reporting act action resulting not informing of the results after filing disputes, no response after sixty days, hung the phone up on me after asking for response date, here are the intems in which I have disputed 1. bankruptcies, 2. XXXX XXXX, 3.XXXX XXXX, 4 XXXX
Product: Checking or savings account

I opened a checking account in XXXX  with Citibank after receiving a promotional flyer in the mail offering a {$400.00} cash bonus after depositing a certain amount and keeping it in the account for 60 days. I honored my side and followed all of the rules and criteria to qualify, and the bonus was not ever deposited. When I called, I got the run-around. A dispute would be opened and it would be 'resolved ' by Citibank saying that I did not qualify for that promotion, even after I submitted documentation showing the flyer and all of the criteria followed. It has been a complete disappointment.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL XXXX of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all XXXX disclosures were satisfied but they were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

ok so the credit agency have just completely disregarded my consumer identity and i want to know how is it even remotely possible to report inaccuracies on my credit report with no reporting company? there is mistake after mistake on my consumer report? how many laws will they be able to break. how much of my livelihood will they be able to destroy? 
account in question XXXX they have 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 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

hello in XXXX i tool out a personal loan, about 5-6 months later i lost my job.. 

well when i got a new job a couple months later i tried to work with them on saving this account and they was rude and talked down on me so i decided to have my attorneys deal with then.. XXXX XXXX XXXX at the time.. 

but i been trying to figure our and my my score dropped dramatically in XX/XX/XXXX i just found out by equifax that they keep reporting and sending different information. 
this account was opened in XXXX yet they state it was opened in XXXX also they changed the closed date so no it shows open they keep sending charge offs every month making a huge impact on my credit report.. 
i have been disputing multiple times and no justice. i just spoke with transuinoin today and was told they can see inaccurate information but they do not have the power to change it.. they also say they do not get documents proving any data, they simpley send the request to the issuer and they rely on there words..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im send over paper work from Equifax show they deleted these hard Inquiries. But they still there I even send over FTC report..
Product: Debt collection

Amsher collection never notified me of the debt before reporting it to credit bureaus when I seen it I contacted and asked them for a verification as I believe it's false they never sent it then hired a lawyer so I contacted the lawyer who hung up on me multiple times and refused to speak to me finally asked them for verification of debt have never received it and no one has actually ever called me iv always had to contact them after it shows up on my credit monitoring service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed discrepancies and Inaccurate information on a charge off account with XXXX. Experian stated it was verified but the inaccuracies and discrepancies still on my Experian and XXXX. Experian shows : Acct # XXXX XXXX XXXX XXXX Original Amount {$3200.00}, status date XX/XX/XXXX, payment status charged off it does not state how much was charged off, balance {$17000.00} is incorrect, terms 37 months, individual acct, it does not state last day of activity. My XXXX shows : Account XXXX date opened XX/XX/XXXX delinquency first reported XX/XX/XXXX, date of last payment XX/XX/XXXX, XX/XX/XXXX account status charge off, Individual acct. terms frequency monthly, term 39 months or different, original balance was {$3200.00} charged off {$2400.00} states Balance is {$13000.00}. it does not state last day of activity which is the FCRA states that all credit information she report accurate with no discrepancies and consistent on my credit report. these are reporting inaccurate with discripancies which is a violation.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I paid {$500.00} to Citizens Bank for my vehicle loan. On XX/XX/XXXX, I requested a deferment due to COVID. The deferment was approved for XXXX, XXXX, and XX/XX/XXXX. In XX/XX/XXXX, I requested a 2nd deferment due to the pandemic still in effect. The XX/XX/XXXX deferment was implemented to cover XXXX, XXXX and XXXX. I returned the signed paperwork on XX/XX/XXXX, via email. I received an alert from XXXX XXXX at the end of XX/XX/XXXX that I was 60 days late on my auto loan and when I called to investigate, CITIZENS BANK could not locate my XX/XX/XXXX signature. I re-forwarded proof of the XX/XX/XXXX signature and confirmation email from XXXX that my signature was submitted. They opened a case and I filed a dispute with Citizens Bank and XXXX. 

On XX/XX/XXXX, I received another deferment form to sign. I signed, but the form did not indicate that it was a retroactive signature for the XX/XX/XXXX signed form that they did not process. They sent me a confirmation letter, correcting the XX/XX/XXXX days late on my account to " 0 DAYS LATE '' and further reported to the credit bureaus that I was on time. There is still a late fee on my account as of today, XX/XX/XXXX. When I inquired about the late fee, CITIZENS BANK indicates that it is still a legitimate charge and all the corrections they applied to my account are a courtesy to me, although it is an error on their part for failing to process my paperwork in a timely manner. This is my fourth/fifth time disputing the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent charge on my account from XXXX XXXX for the amount of XXXX the account was opened XX/XX/XXXX and closed on XX/XX/XXXX. 
Please remove this from my accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for my XXXX XXXX XXXX back in XXXX 2022. There is no XXXX XXXX being reported on my XXXX XXXX report and proof was provided. As of today, the bankruptcy is still reporting and the dispute has not be closed or resolved. In addition, I am not able to access my credit report due to the open dispute. I have called several times and no rep was able to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred, and now I am consolidating what remains on student loan obligations so that I can finish up my XX/XX/XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. XXXX. 
XXXX : XXXX SECURITY FREEZE
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are accounts on my credit report that do not belong to me : XXXX XXXX Opened XX/XX/XXXX Balance {$75000.00} XXXX XXXX Opened XX/XX/XXXX Balance {$26000.00} XXXX XXXX Opened XX/XX/XXXX Balance XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$580.00} XXXX XXXX Opened XX/XX/XXXX Balance {$870.00} XXXX XXXX Opened XX/XX/XXXX Balance {$12000.00} I am demanding proof of signature. By law I have a right to a copy of the documents you have on file verifying the accuracy of these accounts. If you can not produce them bearing my signature you must remove them immediately from my credit report. I will file a lawsuit for defamation of character.
Product: Money transfer, virtual currency, or money service

Accidentally sent Cash Apps own account ( $ cashapp ) {$12.00}. Tried to request a refund since it was sent in error and was told tough XXXX ( I paraphrase ).
Product: Debt collection

Tried calling them on XX/XX/2021. 
They weren't nice and didn't want to help.
Product: Mortgage

My mortgage was recently transferred to a company called LakeviewXXXX. XXXX. I received a letter dated XX/XX/XXXX, in the mail today, XX/XX/XXXX, stating my mortgage payment is due XX/XX/XXXX, and that it is late after XX/XX/XXXX. My mortgage payments have never been late, and they have always been automatically deducted from my bank account. My concern is that my mortgage payment is now late because the new mortgage holder failed to seamlessly take over my mortgage, and they negligently failed to notify me timely of actions I might need to take to get the automatic payment taken out properly. I also have an excellent credit score over XXXX, and I will be very upset if this negatively affects my credit score.