23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a current VA mortgage holder with Freedom Mortgage. I was called by XXXX XXXX NMLS # XXXX, on or about XXXX XX/XX/2020, XXXX ext XXXX and emailed by his XXXX XXXX XXXX XXXX # XXXX, XXXX XX/XX/2020, XXXX regarding refinancing my home loan to 2.375 %. I completed all the paperwork they sent digitally and Freedom Mortgage handed my closing off to XXXX XXXX XXXX ( XXXX # XXXX ). XXXX XXXX   XXXX sent a " Borrower Confirmation '' email stating the date of closing would be XXXX XX/XX/2020, XXXX EDT at my home address. The email also stated that the signing agent conducting the closing w/ Freedom Mortgage would be XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX. On XXXX XX/XX/2020, the signing agent did not show up at my home, did not call, did not text or email. I have yet to hear from Freedom Mortgage, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. I called XXXX XXXX and XXXX XXXX XXXX XX/XX/2020 and left voicemails. I also called XXXX XXXX, XXXX XXXX, XXXX and left a voicemail. The evening of XXXX XX/XX/2020 I emailed XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. I have sent additional emails to these individuals on XXXX and XXXX XXXX. I have left three voicemails with XXXX XXXX and never received a call back. Freedom mortgage ( XXXX ) states that she has handed over my case to Freedom Mortgage Closing department and can do no more. On XXXX XX/XX/2020 I was on hold with the Freedom Mortgage " Escalation '' department for over 1 hour and 15 minutes before I hung up. On two other occasions I called Freedom  Mortgage customer service and provided a call back phone number. NO ONE from Freedom Mortgage has contacted me. In the mean time, all my personal information regarding the refinancing of my mortgage is out there somewhere and I am concerned that my home title could be at risk of fraud. I wrote a negative review on the XXXX website on Freedom Mortgage and I lodged a complaint on Freedom Mortgage webpage. At this point, I don't even care about the refinancing, I just want my data/title protected and this action to be closed. I need to be contacted by Freedom Mortgage Closing department so we can get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX  XXXX XXXX Dept ed XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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: Debt collection

On XXXX XXXX 2017, this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809
Product: Checking or savings account

Chase Bank hit my account with a " removing CTC Chase 21 Day Overdraft Assistance from XXXX '' fee iao : {$110.00} today. This has now overdrawn my account. 
On XX/XX/XXXX, the government deposited a {$250.00} child tax credit, they CLAIM this " FEE '' was a " draw '' given to me to cover the " insufficient funds fees '' - THEY WRONGLY charged me during those dates. I had called and complained and they REVERSED THOSE FUNDS. NO ONE told me about ANY {$110.00} CREDIT or ANY kind of 21 day policy of taking this CREDIT BACK that I didn't ASK FOR. I asked for my OVERDRAFT FEES to be reversed because I had transferred money from my other account and shouldn't have been charged overdraft fees to begin with!!!! 

I spoke to a " manager '' today and asked to speak to her " manager '' and was put on hold and then hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts ; XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00}, XXXX ( Date opened XX/XX/XXXX, Original amount {$1500.00} ), XXXX XXXXXXXX XXXX  ( Account XXXX XXXX, Date opened XX/XX/XXXX, Balance {$340.00} )XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$3000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$100.00} )XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXXXXXX XXXX ( Account number XXXX, XXXX XXXX XX/XX/XXXX, Credit limit {$800.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX North Carolina XXXX TD Auto Finance XXXX XXXX XXXX XXXX, MI XXXX Wrote : Description of account, Transaction, or Requested Credit : Your application for the sales financing of a motor vehicle was submitted to us by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX on XX/XX/2021. 
We have declined your application. 
Our credit decision was based in whole or in part on information obtained in your reports ( s ) from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA, XXXX WWW.XXXX  XXXX. ( XXXX ) XXXX Your credit score, obtained on XX/XX/2021 was XXXX. Scores range from a low XXXX to a high of XXXX. Key factors that adversely affected your credit score : Lack of recent installment loan information This inquiry is false ; I have a credit score of XXXX? 
Length of time revolving credit accounts have been established This inquiry is false ; I have a credit score of XXXX? 
Time since most recent account opening is too short- This inquiry is false ; I have a credit score of XXXX? 
Too many inquiries last 12 months-This inquiry is false ; I have a credit score of XXXX? 
The applicant wrote : I feel TD Auto Finance purposely is trying to or have ruined my credit score by denying me approval while I hold a credit rating that few do. I have been working hard to keep my credit score high enough so I would not have to deal with such issues like the one Im facing in this report. I can not sit back and let this report go unchecked. 
I have been personally hurt and my credit score has been purposely injured by TD Auto Finance denying me credit while holding a credit score of XXXX which clearly shows my credit worthiness. I am going to file a complaint with federal trade commission on the grounds that TD Auto Finance has denied me the right to trade, that prohibited me from fair and equal trade base on my credit score and some false inquiries. This compliant will be in-part or whole, pursuing that the federal equal credit opportunity act prohibits creditors from discriminating against credit applicants on the basis of race the factor and ( provided the applicant has the capacity to enter into a binding contract ). 
TD Auto Finance has violated this statement because of said credit applicant has already entered into a binding contract and received the loan with the credit score of XXXX which was denied by TD Auto Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX is reporting the wrong mileage for my vehicle. They say its XXXX when its really around XXXX. Their wrong information damaged the value of my car. They refuse to change it without me providing evidence from a service shop. This would require me to spend money to fix their inaccurate data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not provide written instructions or written permission to Equifax or any other credit reporting agency to report any listed transactions with XXXX XXXX XXXX XXXX nor are any of the transactions associated with XXXX XXXX XXXXXXXX XXXX related to any transactions completed by me. XX/XX/XXXX, XXXX contact made by consumer to Equifax regarding identity theft and the fraudulent reporting of account XXXX XXXX XXXX XXXX XXXX and provided FTC Identity Theft Report Number XXXX XXXX XXXXXX/XX/XXXX, XXXX Equifax failed to conduct a proper investigation, but merely updated the erroneous item, without verifiability and validity, nor proper communication with the consumer.
Product: Money transfer, virtual currency, or money service

I sent money to XXXX XXXX last XX/XX/2020 i sent her {$880.00} to purchase a product and it turns out that there are no product at all. I asked her to get my money back but she didn't do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX American Express card. Following is the email that I sent to XXXX : After a few returns that have been made, I was asked by XXXX to pay a bill of {$130.00}. Out of this amount I was liable to pay {$14.00} which I did. Im not responsible to pay the remaining amount which include late fee of {$27.00} in XXXX and {$37.00} + {$4.00} interest charges after making the payment of {$30.00} in XXXX. Again, I was charge {$4.00} interest charge and then {$27.00} late fee + {$3.00} interest charges after making the payment of {$71.00}. I fail to understand why I was charged late fees/interest charges when I already made the payment of {$30.00} and {$71.00}? So please remove all the late fees/interest charges and Id really appreciate your honesty. 
Also, as mentioned earlier there are 2-XXXX XXXX transactions for {$12.00} each in XXXX and XXXX. I have disputed it many times since I dont authorize this transaction. Please remove that as well. 
Thank you! 
Following is the response from XXXX : Response By Email ( XXXX XXXX XXXX ) ( XX/XX/2018 XXXXXXXX XXXX ) Dear XXXX XXXX, Thank you for taking the time to contact us about your XXXXXXXX XXXX account. I appreciate the opportunity to respond to your inquiry and address your concerns. 

I certainly understand your request about the late fee, interest charge and the dispute transactions on your account. And I will do my best. 

For protection against identity theft, we can not alter or discuss any account information as this is non secure. 

For further assistance with your requests, please contact us at the number referenced below. You may also send a secure message online. 

Please read this email carefully. I hope you resolve this issue asap.
Product: Vehicle loan or lease

I had an automobile loan financed with Ally and refinanced it in XX/XX/2022. The company I refinanced with sent a check to Ally for the payoff amount. Since the company had inquired about the payoff amount, I had made a payment which was due. The date the loan through Ally was paid in full was XX/XX/2022. I also cancelled my vehicle service contract and a prorated refund was also sent to Ally. Ally was also supposed to refund me a prorated amount for the GAP insurance. I was initially told that Ally typically issues refunds within 30 days of the payment in full date but that with current delays it could take up to 55 days. I've reached to Ally multiple times about my refund and was told that it was still being processed. It has been more that 55 days and I have still yet to receive anything. I am now being told that the GAP Insurance refund can take 130 days to receive. Ally has had this money for over a month and I just want the money that is supposed to be refunded to me and I believe the delay in refunding the money to me is unreasonable.
Product: Debt collection

On XX/XX/2017 I paid off {$49000.00} to XXXX XXXX XXXX XXXX and promised they would remove all negative information from all my credit reports, they did not do it! Previously this debt belong to JH Portfolio Debt Eq.
Product: Credit card

REGARDING CITIBANK CREDIT CARD # XXXX CITIBANK APPROVED MY CREDIT CARD FOR $ XXXX AND WITHIN 7 DAYS CITIBANK CLOSED MY CARD ON NO REASON GIVEN, THEY ARE PUNISHING ME FOR A SIN THAT I DONT KNOW WHAT WAS MY CRIME. THEY RAN MY CREDIT AND THEN UPON INQUIRING THEY WROTE ME " WE REGRET WE ARE UNABLE TO ASSIST YOU FURTHER ''. THEY ARE BEING UNFAIR ON NOT PROVIDING ME A REASON
Product: Credit reporting or other personal consumer reports

`please see all attached documents to include report to XXXX FTC Report Accounts to be removed within XXXX  days and police report showing my wallet and personal effects were stolen and identifying info
Product: Vehicle loan or lease

XXXX XXXX XXXX I got a automobile loan from heritage acceptance. The loan was {$12000.00} for a {$6000.00} car. I would have ended up paying {$18000.00} for a {$6000.00} car. I was young and did n't know amy better. I traded in the car for a better interest rate. The trade in was n't enough to pay off the old loan so now I have a {$540.00} dollar car payment. Struggling to get by. They also charged me {$2.00} everytime I made a payment.
Product: Credit card or prepaid card

I got my fiance 's direct deposit into my account and so card.com said they were closing my account and returning the money to the issuing bank ... It's been about two weeks now ... just wondering when they was gon na close it and return it I've sent several emails thanks for ur time
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY HAS VIOLATED MY RIGHTS AS A CONSUMER, NOT ONLY THEY HAVE FAILED TO RESPONSE TO THIS REQUEST FROM THE DATA RECEIVED ON XX/XX/22. THESE ACCOUNTS STILL APPEAR TO ALL 3 CREDIT BUREAUS THESE ARE CLEAR VIOLATIONS OF BOTH THE FDCPA THE FCRA ACC # XXXX {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been having a lot of issues with Experian!! Ive sent numerous certified letters with proof! I will not sit back and let my credit score have inaccurate information! I still have an issue with the hard inquiry because Experian reported the wrong credit score which caused me to not get the credit card I deserved and a very high interest rate!! Based off a discrepancies! I will get help from a lawyer to assist me with this process!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I refinanced my student loans during the CARES AcXXXX. I consolidated my XXXX Loans from my XXXX XXXX XXXX, Great Lakes, with the help of my refinancing lender, XXXX. This refinancing payment was made on XX/XX/2022 for {$28000.00}. With the announcement of the Biden Forgiveness Program ( XXXX XXXX XXXX ), I wanted to see if there was any possible way to get my money refunded even though it was no longer federal and heard from many others who refinanced during the CARES Act that they were able to get their refinancing payment refunded as it states that you will are eligible for a refund on ANY voluntary payments made during the pandemic, I simply needed to contact my servicer. Since I had a XXXX XXXX, I was eligible for {$20000.00}, so I gave Great Lakes a call to request the refund. They said they had to get it approved by the Department of Education and in a couple of weeks I got a call back from Great Lakes saying it was declined because the payments were made by a " 3rd Party. '' The only wording kind of close to what they are saying is that " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. ", but it doesn't state that you won't/ca n't receive the refund, simply that no matter who paid it, if you request it, you will receive it. This shouldn't be an issue as I have personal accounts of many other people who were able to get their federal loans refunded/reinstated even though they refinanced AND my refinancer, XXXX, has said they would be willing to do a group call with Great Lakes to make the request if need be. Both Great Lakes and/or the Department of Education are not providing the services that they say are allowed as I meet all criteria and know many others in identical situations that were given their refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misusing my credit profile without my authorization and would like it removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

There was a {$2000.00} fee added to my car loan by Santander bank. I suspect that there was an error at the repair shop and I am being charged for the warranty repair. I am not understanding why I am being charged a {$2000.00} fee.i filed a insurance claim after receiving a voicemail confirming the car was destroyed. Mysteriously a warranty repair was done and I was told I needed to return their XXXX rental car. I guess they are holding all the cards if I am driving their rental car. I guess that explains the {$2000.00} fee. The crooks probably took over the finance company to continue the pattern of intimidation from XXXX and now Spanish finance companies and XXXX XXXX tow truck drivers claiming they run things. They can try and scare me on the phone and steal the car from my grandfather 's tax office, I just hope they don't want to get physical considering how angry the XXXX was. I think I am a target of XXXX terror intimidation for disrespecting the XXXX XXXX and I am not sorry. I am free to write whatever message to whoever I want. If the readers decide to become XXXX XXXX XXXX and decide they want to break the law then maybe they might have a serious attitude problem and should seek counseling instead of risking being taken out by a drone for trying to physically hurt someone because they don't like what they are reading. Hopefully none of that stuff is going on and I am imagining the evil news stories. I guess its time to destroy the internet
Product: Mortgage

I was blocked from making Payment and the rep denied me the ability to a loan modification
Product: Credit reporting or other personal consumer reports

I lost my wallet, called Police, received Police report, then Experian, XXXX and XXXX did not remove off my credit report Completely erase from my account and account history!!!!