23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When I first applied for a mortgage with Annie Mac Home Mortgage, I told the broker that I did not want to pay any points. He said no problem, we offer rates with and without the payment of points. As it came closer to my settlement date and to lock in a rate he would not offer me a rate without paying points. I told him that is not what he originally told me and he said it was out of his control. Since I could not get another mortgage within XXXX weeks, I ended up paying {$1500.00} in points to Annie Mac. Annie Mac immediately sold my loan to XXXX XXXX weeks after my settlement date. They scammed me into paying points as they had no intention of keeping my mortgage. They held a XXXX to my head as they knew I could not go elsewhere to get a mortgage within XXXX weeks so I was forced to pay the points.
Product: Mortgage

On XX/XX/XXXX and XX/XX/XXXX Elite One ( XXXX XXXX and XXXX XXXX XXXX XXXX distributed a copy of a draft loan application to an incorrect email address via DocuSign on both XX/XX/XXXX and XX/XX/XXXX. This included our SSNs, employment and salaries, bank account numbers and balances, credit information, addresses, birthdays - a goldmine for anyone looking to steal our credit and identity. 

XXXX XXXX / Elite One lied to us twice about it in an attempt to cover it up. I have confirmed with XXXX XXXX Support that the documents were indeed sent to and received at the incorrect email address. I have confirmed through XXXX that the incorrect gmail address is valid and active. 

This is a culmination of 4+ months of poor communication, sloppy work and inconsistent status of our loan. XXXX XXXX promised on XX/XX/XXXX we were not in danger of losing our rate lock due to a delay in loan application. Next we heard from him, or anyone at Elite One, on XX/XX/XXXX our interest rate was lost and we had to start over from scratch.
Product: Checking or savings account

Account XXXX Relationship Manager XXXX and XXXX did not answer or return my XX/XX/2019 or XX/XX/2019 calls. 
Person at alternative number XXXX told me I had to my request in writing to : Citibank XXXX XXXX XXXX XXXX XXXX, Tx XXXX Written request of XX/XX/2019 was ignored by Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one is making credit card applications with my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the beginning of  XXXX  I sent a letter to Experian about the  XXXX   XXXX    XXXX     XXXX  loan for {$6700.00} appearing on my credit report. It says i took a loan out with them in  XXXX   2010 . During this time i was  XXXX   XXXX  to  XXXX  as of    XXXX    2010   . I did not take out this loan. I explained to experian that i tried to contact this company numerous times and have them provide proof that i got this loan, such as signed paperwork and the I.D . used, but they refuse.  XXXX    XXXX   XXXX   XXXX    refuses to give any proof and says they passed it off to  XXXX   XXXX . Calling  XXXX    XXXX   results in the same saying  XXXX  has to provide the info. I explained all of this and submitted a dispute with experian. Experian says all they have to do is call  XXXX   XXXX   XXXX  and if they say it 's legit, then they are good to go. I do n't think it needs saying how unacceptable this is as a response. If they can not provide me a physically signed copy along with the ID used to take this loan out, then this needs to be removed from my credit report asap.
Product: Mortgage

Carrington mortgage sent me my escrow analysis on XX/XX/year> stating I can pay my escrow shortage of {$460.00} by XX/XX/year> to prevent my monthly payment from increasing to cover the difference. 
When I called to make the payment I was told this is in fact not true for payments under {$600.00} and making a payment won't prevent the payment from increasing. I mentioned the document I was sent said otherwise. I was then told they just haven't updated the documents they mailed out and despite having something in writing stating I can pay this amount, doing so would not prevent my payment from increasing. 
Since I have document stating I can make a payment to prevent my future payments from increasing, I would like Carrington mortgage to honor this. 
What is concerning as well is if I had not called and just made the payment online I would not have been aware of the increased payment because I would have assumed my escrow account was caught up with my shortage payment.
Product: Debt collection

This is a closed account that continues to show up on my Equifax Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Acct Name : XXXX XXXX XXXX  Dear Equifax, I am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 compliancy requirements.

Specifically, I believe that the information reported by your agency regarding these charge offs is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result.

Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the Metro 2 compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 
I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report. 
Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

This is a copy of a email I sent to XXXX XXXX of US Bank asking for help. I am not able to know nor see what I owe for my XXXX payment. The letter say XXXX amount and the brank manager says a different amount. The email text is below. 

Hi XXXX, I met with XXXX today at the US Bank branch office. He pulled up a payment that is due for this month and is {$240.00}. and some change. The attached letter says that amount due is {$120.00}. No knows really what I owe here. How can one do business and pay what is fairly owed. I will be sending another compliant to the CFPB about this. 

Despite the letter saying that I missed or was late for payments for XXXX ... .. I did make payments each time of the amount due for each month was dinged a late charge. XXXX tried to get a amount detail of what I owed for XXXX, but was told to have me call this number at BK Mortgage Hotline of XXXX. I called this number and was told to call or go the bank as they can help me. XXXX is not able to see any details of what makes up a payment. This is getting me no where. Please help!!!!!!! 

Kind Regards, XXXXHow can one make a payment, yet not getting any details. This is a classic case of loan fraud. I need this resolved by dropping the loan as the bank is practice deceptive practices on lending. This has been going on for years.
Product: Credit card or prepaid card

XXXX- credit card payment agreement ended without our knowledge at comenity ideal. 
I had {$1900.00} left on my agreement and then was charge and extra of {$1800.00} making the totally be {$3700.00}. 

-never received a letter, a phone call, or anything in regards to this happening soon. Statements would not load or appear on mobile safari search as well. 

XX/XX/2020 ( XXXX XXXX ) - I noticed the issue and was unable to contact anyone due to the holiday. I tried making the payment of {$1900.00} to assure the 3 day grace period, which I was told was allowed prior to this. The process was successful according to their website, but I never receive a confirmation email. 

XX/XX/2020 ( Monday after the holiday weekend ) I tried again to make the payment and the same thing happened. The website said it was successful, but no confirmation. I called the company and got no where in 3 hour phone called and talking to 7 different people. To start, my name on the credit card account was incorrectly put in wrong on their end making it impossible to verify my account to them. Also, the phone number was totally incorrect on their end as well. One person said they could give me a {$50.00} credit, but that was it. They transferred me to someone else and they said their was nothing I can do and that I would have to pay the whole thing. I admit I should have been on top of my account, but also dont think I should have all that extra interest rate if we tried to contact them within the three day grace period that they offer. I was never late on a payment and I think its ridiculous that they wont credit some of the charge if not all of it. 

On XX/XX/2020, I posted a payment again and this time I receive a confirmation email but the payment never came out of my account.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 


( XXXX Acct # XXXX ). ( XXXX XXXX, XXXX XXXXXXXX, Acct # XXXX ). ( XXXX XXXX, XXXX, Acct # XXXX ). ( XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX ) ( XXXX XXXX Acct # XXXX ). XXXX XXXX  XXXX XXXX Acct # XXXX ). ( XXXX XXXX Acct # XXXX ). ( XXXX Acct # XXXX ). ( XXXX Acct # XXXX ). ( XXXX XXXXXXXX XXXX ). ( XXXX Acct # 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 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 conviction 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 or other personal consumer reports

Subject : Urgent Request to Remove Inaccurate Data and Expedite Resolution Due to Data Breach To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX : Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Dear CFPB Representative, I am writing to formally request the immediate removal of inaccurate information reported on my consumer credit file by XXXX, XXXX AND XXXX. 
Upon reviewing my report, I have identified multiple inaccuracies that do not reflect my financial history or account activities. Furthermore, as a confirmed victim of the recent XXXX DATA BREACH, my personal information was compromised. This breach has directly impacted my credit profile, resulting in erroneous reporting that has caused significant harm to my financial stability. 
I respectfully request that the CFPB initiate an investigation and ensure that these inaccuracies are promptly corrected. In light of the data breach and the sensitivity of my compromised personal information, I request that all necessary updates be made to my credit file within four ( 4 ) business days of receipt of this notice, rather than the typical thirty ( 30 ) days allowed under the Fair Credit Reporting Act ( FCRA ). 
Below are the inaccuracies I have identified : XXXX XXXX XXXXOriginal creditor { reporting inaccurate dates, agreement termed in XXXX, creditor didn't start reporting until XXXX with inaccurate dates, disputed several times. Creditor refuses to update with accuracy XXXX XXXX XXXX XXXX creditor { no media provided, inaccurate error. No account with them } LVNV FUNDING LLC { no account, open fraudulently } As a consumer, I am entitled to accurate and fair reporting. The ongoing presence of incorrect information on my credit file is causing undue hardship, including the inability to secure credit, higher interest rates, and reputational damage. 
In accordance with the FCRA and related consumer protection laws, I request : Immediate removal of inaccurate data from my credit report.

Written confirmation of the actions taken as a result of this dispute.

Timely communication regarding the status of my request to ensure that the issue is resolved within the requested timeframe. 
Please confirm receipt of this letter and provide me with an update regarding the status of my dispute. I appreciate your prompt attention to this matter. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was in contact with wells credit card department I had scheduled a payment so they wont close my account they told me to make the payment so the account can remain open and they did schedule the payment and it was processed and they still closed the account even though the payment was made
Product: Mortgage

Wells Fargo Home Morgage sent me a letter urged me to sign up for an optional product called XXXX XXXX Accident Plan. I told them I did n't want it but they signed me up anyway without my knowledge. My statement from them has been the same for years except the changes in escrow so I generally don, t check it too closely but this month I did and found out the charge for the insurance I didn, t want.I am only now checking my statement more closely because of all the bad press Well 's is getting. Thankyou for going after these still fraudulent banks. 










i i
Product: Student loan

I had started repaying my private student loans in the middle of  XXXX . I was having no luck finding a job in my field of  XXXX   XXXX , was only making $  XXXX  at the time and was struggling to pay my bills. I was given some financial help for my loans, and eventually had been paying  (  $  XXXX   )  more than the minimum, in order to catch up on the previous payments I had missed. In    XXXX   XXXX   XXXX  , I had left my job in order to further my career and started a new job. In   XXXX   XXXX  , w e were told we were being laid off. I was not able to afford paying my student loans anymore.      In   XXXX   XXXX   XXXX   , I spoke to a representative from Navient who told me " once you get your unemployment check, give us a call and we 'll work out a payment. '' My unemployment checks were, at most, {$250.00}. I told the representative I would not be able to afford any payments, as I have rent and other bills to pay. Being unemployed still did not matter, as Navient had continue to call me upwards of 7 times a day, trying to get a payment from me.     On  XXXX   XXXX  and  XXXX   XXXX , I had paid {$10.00}, because its all I could afford. On  XXXX   XXXX , I paid {$20.00}. I paid when I could, and how much I could.     Shortly after, during the week of  XXXX   XXXX , I had received a letter from Navient, threatening legal action on me and my fath er ( co-signer ) if we   did not make a payment. I had called after reading the letter and explained my situation to the woman. While she was sympathetic, she told me there was nothing else that could be done, and my monthly payments are {$1100.00}, which is about what I make month at my job. She told me unless I make a payment, then my name will be handed over to a lawyer. I offered to pay {$100.00} a month, or asked if there was any way to defer payments for hardship until I make more money or find a better paying job. I was told no. We went over all my monthly expenses and even though we both knew paying anything over {$50.00} a month is too much for me, I was told I had no other choice.     I can not make these payments. Every representative I have spoken to at Navient has not been flexible or willing to work with my income. It 's absurd to expect someone who makes {$1200.00} a month to pay anywhere from $  XXXX  {$1100.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a letter from XXXX XXXX, XXXX for a debt owed to XXXX in the amount of {$440.00}. The date on this letter say XX/XX/2018. They said that they verified it but I have no idea what they are talking about and if I did, what they provided wasnt proof of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 initial request to transunion to verify and validate several accounts that are reporting inaccurate information. 

they responded with an updated consumer report on XX/XX/2022 only removing one of the listed inaccurate accounts. 

I responded XX/XX/2022 with a 2nd. letter requesting documents that were used to verify the accuracy and using the metro 2 requirements. 

I received a response today that only outlined the procedure used and did not contain anything that I requested nor did they remove anything from my report. 

I will be sending them a third letter today. 

See attached files
Product: Credit card or prepaid card

I purchased a dishwasher from Best Buy. It was supposed to be on a payment plan plus free delivery and installation. The dishwasher that was delivered was the wrong one- it has a handle on it ( location in the kitchen is in a corner ). I have to have a dishwasher with a flat surface- no handle. Best Buy sales clerk ordered wrong dishwasher- Best Buy refused a return. I'm now stuck with dishwasher that I have to remove handles off cabinet doors to install and use dishwasher. I filed a dispute- received a letter stating I would be credited {$720.00} for the dishwasher. Now Best Buy says they were wrong, I'm liable for charge, one even said I wasn't reading the letter correctly. I even opened a second investigation- never heard back. Also - the installer damaged my home - he left - I had to have a plumber ( local ) install the dishwasher and Best Buy ( after many many phone calls ) agreed to pay {$200.00} of the {$220.00} charge and mailed me a check. Best Buy insisted I purchase an installation kit for ( roughly ) {$30.00} - my plumber said that was fraud, not needed, didn't use kit and I returned the kit for a refund to the card. Best Buy is insisting both of these refund amounts ( {$230.00} ) is towards the dishwasher- I am liable for the rest.
Product: Checking or savings account

On XX/XX/2018 I deposited my inheritance check at JP Morgan Chase branch in XXXX XXXX FL. Chase collected the funds from XXXX XXXX XXXX PR on the XXXX of XXXX. On the XXXX I stopped by the bank to check status. They informed me my account was restricted due fraud. I have a receipt for the deposit which indicates funds would be available on XX/XX/2018. So far on XX/XX/XXXX, they have not released my funds. The bank in PR corroborated they paid Chase. On XX/XX/XXXX my attorney sent them all the legal papers from my father 's estate. They totally ignored my attorney and me. Last Thursday someone called to say they reopened my case. I did not think a case could be closed without resolution. Still she would not tell me when will my funds be released. For 2 and a half month they have held my funds illegally. No explanation only lies. They refuse to call the bank in PR. They collected those funds in cash on the XXXX XXXX. They did not need to ask for any documents and yet we provided them a month ago. I have been ignored and think they are profiling. I desperately need help. 

Will appreciate any help you can provide.
Product: Vehicle loan or lease

I started a new job in XXXX. There was 30 days that I didn't recieve a paycheck. I have tried on multiple occasions to try to get help to no longer be reported delinquent on my loan and get back to being current. I was told on multiple occasions that I needed to make 6 payments to be eligible for a deferment. I made my 6th payment on XX/XX/XXXX and contacted bridgecrest to get a 2 month deferment so when I could make another payment on XXXX that I would be making the current payment due. On XX/XX/XXXX the agent escalated and never got back to me. I reached out again on XX/XX/XXXX and was told that my loan is not far enough delinquent to now get a payment deferment, however every day I'm late I'm incurring fees that they are unwilling to address because they will not assist with the deferment. They are taking advantage and hiding behind charging fees vs helping their customers. The fact they are unwilling to do anything but threaten to get the vehicle in 60 days but won't offer assistance so they can continue charging fees in unethical.
Product: Mortgage

We mail th e Seterus mortgage  payment between/on the   XXXX   on the month since the due date is the  XXXX . It is mailed in the  Seterus com panies ' envelope along with the payment stub provided b y Seterus. If th e payment is received before the first of the month, the  Seterus  always applies it to the principle amount of the loan and not the current payment that is on the payment stub tha t Seterus provides to us. This happens on a repeated basis with this mortgage company. Seterus tells me I have to pay it online if I do n't want this to keep happening. I   do n't want to pay online nor should I have to be forced to pay online.    Seterus called today to say that I have n't paid for this month, which I have ... .Seterus posted the pay ment on   XXXX   XXXX  . When I explained tha t Seterus nee d to reverse the payment, they said no and said that I still owed for the   XXXX   payment and hung up on me. So my wife called back and she was told that the interest on this loan is accrued quarterly which is NOT TRUE and she knows this is not true. I pay interest every month and it is stated on the statement. I have the right to pay this on time and Seterus should make changes in their system or explained to the human being that opens the envelope and sees the payment stub to apply it to the payment that is posted on the stub it is mailed in on that they receive from us. This keeps recurring, why  wo n't Seterus appl y the correct payment on time?
Product: Payday loan, title loan, personal loan, or advance loan

I took out this loan and was paying on it, fell behind and they've locked the account and won't let me pay. I've called multiple times asking to have it unlocked before it went into default but they refuse. It shows that the account was paid in full and they won't give me any recipets