23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2021, my husband and I applied to refinance our mortgage rate of 4.75 %. We contact Quicken Loan who has bought out by Rocket Mortgage, and the agent name was XXXX XXXX. We provided All necessary documents i. e. income statements from retirement, pay check stubs, post-adoption income. They did a credit check that we did not get a copy of, and he order an apprasial. We wanted to pay of credit card debts of {$19000.00}, get cash out of $ 10k, and recieve a lower interest rate. We were told that we needed a value of $ XXXXXXXX for an interest rate of 2.87 %. The apprasial came back at $ XXXX whick I strongly disagreed with, and the interest rate was increased to 2.99 %. The loan was approved and scheduled to close on XXXX XXXX, 2021. On XXXX XXXX, the lender called and said that we needed more income or else the loan would not be able to fund. He wanted to see our bank statements to show additional income. We felt that it was a last minute tactic to change our rates or increase the closing costs of {$14.00}, XXXX which was more than we were getting for this loan, and so we refused, and cancelled the loan. 
On XXXX XXXX, we decided to try to refinance with a different company, XXXX XXXX XXXX XXXX XXXX. They promised to refinance our home pay off all our credit cards including my husband 's car note, provide us with $ 10k cash out, and lower interest rate 3.375 %. We provided them with ALL the docs again. Their appraisal came back at {$350.00} XXXX from XXXX XXXX on XXXX XXXX, 2021. This was a month later from the appraisal we got with Rocket Mortgage. However, they had issues with the DTI debt to income ratio. So, we agreed to changes to make the refi work. They needed to pay off both car notes in order for the loan to be approved. We agreed. These people never got back with us to keep us informed of when the loan was going to closed. We called, emailed, left message, all with not response. We got tired of waiting for them to let us know when the loan will close. It took more than 90 days from XX/XX/XXXX to XXXXXXXX XXXX. Nothing has happen yet, we decided to cancel this loan based on discrimination, and defrauding concerns. We went to the XXXX website to do a search on their company, and there were others who were experiencing the same things we were with no resolutions.
Product: Credit card

XXXX XXXX XXXX charged {$4900.00} I reported it as a wrong amount charge should have been XXXX XXXX XXXX called to fix the error as well as me. 

XXXX charge was debited in the amount of XXXX XXXX XXXX was added back to the account as a balance adjustment????? I called and they could not tell me why. 

I have reported the post as fraud and as a billing error, to no avail. The charge remains and they sent a letter saying I still owe the amount.
Product: Debt collection

Had a doc visit from XX/XX/2017. Had a XXXX copay tried to use my health savings card but Reilized it was expired. So I payed cash to the office which is part of XXXX XXXX. 
They have threatened jail time. Law suits, use very profane words when I attempted to contact them. 
I have spoken to XXXX XXXX about this and their billing told me it was paid by cash. And why am I calling them.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX Account Number XXXX. I took another look at credit report, I just saw somethings that need some attention, concerning, this account, This late payment is reporting incorrectly, for example my XXXX account is showing XXXX was paid on time, XXXX was XXXX  days late, and XXXX was XXXX days late, However Equifax shows XXXX was paid on time, XXXX was XXXX  days late and XXXX was paid on time, XXXX shows XXXX was paid on time, XXXX was XXXX days late XXXX was XXXX days late. This report is inaccurate, I pay my payments on time every month, please reinvestigate this account and update to Paid on time immediately thank you
Product: Credit card or prepaid card

I called to report money missing from my BANK OF AMERICA EDD DEBIT CARD. The representative said he was going to be sending me a new card there were still a remaining balance in my account and he did not give me the option to transfer the money to another checking account. EDD then deposits an amount that Bank of America then puts together with the old account and closed it. Bank of America near that it was a new deposit but kept it with the problem cart and did not allow me to activate the new debit card that I received. After many phone calls to Bank of America and the EDD sponsor Bank of America keeps saying that the county is closed and they are basically holding my money XXXX I never got any money credited or any type of reimbursement instead I got a letter saying if you contact us by phone or in writing you may request that we reopen your claim for further consideration but they dont even do that they just say that it is closed and they can not do anything about it. One BofA agent had me drive to a branch to ask for my money a day before XXXX. BofA Agents took me for a fool. I even filed complaints if they allowed me but im not sure if they did file the complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau is refusing to follow the 5 Days REINSERTION LETTER. I had a debt that was removed and deleted from my report ( XXXX XXXX XXXX {$1500.00} ) I applied for credit and noticed that the reason I was denied and the reason my score decreased by 100+ points were because of a collection debt, which is XXXX   XXXX , same creditor same amount that was removed previously.. So, I questioned the company why I did not receive an reinsertion letter? They're not giving me any responses. They just keep saying that they will begin an investigation but my concern is why every year I have to do an investigation on the same debt and why they are not communicating with me before they start adding deleted items on my credit report? This is my life and credit is a major issue in todays society. Please help me with my further steps ... I have contacted Equifax Management team, Fraud Dept, Equifax Disputing Dept and they are putting me on 50+ minute hold times and they hang up and say well the law is 30 day investigation. I'm saying and the law says 5 day reinsertion they ignore me on that law and Act ...
Product: Credit card or prepaid card

As of XX/XX/XXXX, my XXXX XXXX card was switched from XXXX XXXX XXXX to Comenity Capital Bank. I called XXXX on about XX/XX/XXXX. I was told that {$680.00}. XXXX in rewards were about to expire and they sent me a check. Not certain of the date of the phone call but I received the check in the mail, and it was deposited in my account on XX/XX/XXXX. I was told that I had to more checks that would be mailed to me after the switch to Comenity Capital Bank is completed. They gave me the amounts of {$580.00} and {$480.00}. I called on XX/XX/XXXX, because I never received the checks. I needed to then file a dispute. I called again on XX/XX/XXXX, and was told it could take up to 90 days to be resolved. I called again on XX/XX/XXXX, and again on XX/XX/XXXX. I was told that it could take a long time because XXXX XXXX XXXX should have sent me those rewards before the switch took place and not Comenity Capital Bank Before the switch took place, I received a letter stating that nothing would change with my card including rewards. I want what was promised when applied for this credit card, I want my rewards.
Product: Credit reporting or other personal consumer reports

I had requested the reporting agencies to remove the following accounts due to identity theft roughly 60 days ago and they have not removed it. Since then I have filed another Identity theft report to remove this false information. I did not consent to this information being on my report and I have revoked consent to get this information removed. The accounts goes as follows XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has an account on my credit report for {$160.00}, however, they have never sent me anything in writing to validate this debt or inform me of placing on my credit. Furthermore, they are not in compliance with the State of Tennessee collection agency regulations. They have to be licensed and bonded to collect debt in this state. They are not listed on state documents to collect. They have NO licenses and are not bonded as required! They are not only violating my FCRA rights but also in violation of the state regulations.
Product: Consumer Loan

I am receiving 4 to 5 calls a day, everyday!!! Starting as early as XXXX. Sick of these phones calls.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed. 

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

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

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


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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear TRANSUNION, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed no longer outstanding for the following item : XXXX  owed : XXXX Amount : {$2000.00} Account:XXXX XXXX  owed : XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Amount XXXX {$3000.00} Account:XXXX XXXX  owed : XXXX  Amount : {$0.00} AccountXXXX XXXX owed : XXXX Amount : {$0.00} Account : XXXX I am Disputing these claim due to : I HAVE NO KNOWLEDGE OF THESE ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY.

This is my official request to have the aforementioned item to be deleted off my credit report. In accordance with the fair credit Reporting Act. The list of accounts have violated my federally protected consumer rights to privacy and confidentially under 15 USC1681 AND USC 1692 G SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap XXXX experian XXXX XXXX XXXX
Product: Debt collection

Collector : Innovative Recovery Inc, Inc. XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX Amount Owed According To Collector : {$1000.00} I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX has removed the account from my credit report based on the facts of my dispute but XXXX and XXXX has stated the account is verified as accurate even with the proof I have provided. When the debt collector Innovative Recovery Inc was asked to provide me with validation that the debt is mine and that i owe the debt the provided a letter stating the debit is in fact mine and a balance owed is {$1000.00} but also they sent a list of charges along with my lease agreement from the apartment company that says a balance of {$1000.00}. So therefore an extra {$50.00} is claimed to be owed to the collector for what reason I am unsure of. When i contacted the company by phone nobody could give me an explanation of what the extra {$50.00} was for.This account is ruining my credit and is preventing me from finding a home for my family. The status of limitation for the state of GA is 4 years and this account has exceeded at 5yrs & 4mos
Product: Checking or savings account

I have been banking with SunTrust for over 25 years and always have been satisfied with their product and customer service. Now that they are Truist, the online banking app has changed to a much more vague depiction of real time activity. Regardless, on XX/XX/22, I had a balance of XXXX. On XX/XX/22, I made 3 transactions debiting a total of XXXX and then also transferred XXXX from my savings to my checking. That would have put my balance at XXXX. However, at some point on the night of XX/XX/22, a electronic automatic bill was posted to my account in the amount of XXXX. Although that XXXX is still pending as of XX/XX/22, I have been charged an overdraft fee for every transaction on XX/XX/22 & XX/XX/22 totaling {$140.00}. I was not notified by the bank of the problem via email until XXXX am on XX/XX/22. I immediately moved more funds from my savings to cover all the fees and transactions and then called customer service at XXXX to try to resolve the matter. I spent 45 minutes on hold before ever speaking to a person, I then spent another hour attempting to get reach a resolution. I was repeatedly told that nothing could be done. This is predatory. The charge of XXXX has not come out of my account yet but Im being charged an additional {$36.00} for every transaction that actually has come out of my account. Not only do the excess fees cause financial hardship, I have now missed significant work in an effort to resolve the matter. Almost 2 hours on the phone is for nothing is completely ridiculous.
Product: Mortgage

We currently have a 15 yr FHA loan with Loandepot. We started a refi to a 15 yr conventional loan to remove the MPI. We finally signed loan docs on XXXX XXXX, 2015 and was supposed to fund by XXXX XXXX. We were told not to make our XXXX payment. To date, it has still not funded. I instructed them not to do an appraisal unless the loan was fully approved. An appraisal was done in which we paid {$390.00}. I finally made my mortgage payment as not to be in a 30 day late status with the credit agency. I have spoke to our loan officer as well as his manager and still can not get an answer. They have held us up from refinancing our loan with any other lender because we would have to pay out of pocket again for another appraisal. Also, we would not be able to get the interest rate ( 3.25 % ) which is what the interest rate was at the time we started our refi. I have never heard or experienced this action. I always assumed once loans docs were signed and notarized that the loan would fund by the date indicated. What can we do at this point?
Product: Credit card

I have XXXX Discover cards. The first had a credit limit of {$4500.00}. The second had {$4000.00} limit. On XX/XX/year>, Discover lowered the limits on both cards, causing my utilization to go up, which lowered my XXXX XXXX. I was at a loss as to why this happened. I called Discover and they had no explanation. I immediately froze both cards, but still paid on them monthly. IOn XXXX XXXX I received a letter from Discover saying they increased my limit to {$4000.00} which it originally was. The letter says this was due to correcting a system error. My wife has covid and I had been sick for XXXX weeks, which is why I haven't picked up my mail sooner. I called Discover yesterday ( XXXX XXXX ) and spoke with a representative in their XXXX XXXX XXXX. I inquired about the letter for my XXXX card, and he apologized about the system error. I asked about my XXXX card which still has a lowered credit limit of {$3000.00}. He advised it was lowered at the same time as card XXXX, but that it was permanent XXXX could not be restored as card XXXX. He said the only thing I could do would be to apply another card. I do not think this is just. My scores have fallen due to this and I believe my limits should be restored on both cards since both were lowered due to this system error.
Product: Credit card or prepaid card

I am writing regarding a banking matter concerning a Credit Card Bank failure to refund money from a transaction where a product was purchased and returned to XXXX XXXX. ( See Attachments # XXXX ) As you can see Verve Credit Card Statement, Closing Date XX/XX/XXXX ( See Attachment # XXXX ) Verve acknowledged the refund and credited my account for {$540.00}. 

Verve issued a check to me dated XX/XX/XXXX, which I attempted a mobile deposit for {$540.00} via XXXX XXXX XXXX XXXX on XX/XX/XXXX. Unfortunately, the mobile deposit was rejected, and the money was withdrawn from my account on XX/XX/XXXX. The transactions can be seen in the screenshots from XXXX XXXX XXXX XXXX website, including the {$21.00} Check Chargeback Fee. ( See Attachment # 3 ) I was told that type of check had to be deposited in person, so I attempted to physically deposit the check for {$540.00} at XXXX XXXX XXXX. You can see in XXXX XXXX XXXX  research the check was Returned Unpaid and included a {$12.00} Returned Item Fee. ( Attachment # 4 ) I have never received any money from Verve as a refund. Over the past year I have attempted to resolve this matter via telephone and the US Mail, and they have records to prove what Im saying is true. My most recent interaction was with XXXX XXXX, Customer Experience Support Analyst, XXXX XXXX XXXX XXXX. She essentially asked for items I had already provided, and she stalled hoping Id go away. But Im not going away until I receive payment of the refund. 

I have never received the payment I am owed by this criminal operation. They have withheld money I could have earned interest on, cost me {$33.00} Returned Check Fees, cost me time and money mailing evidential documentation, and untold hours of time trying to prove I never received the money. I know it would be a simple thing for them to see if that check was cashed. I can see when my checks clear. 

Please help me receive my refund from this unreputable bank, and to pressure them into obtaining a reliable accounting system, and hiring reputable employees capable of assisting honest customers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Checking or savings account

Unauthorized email account that was been use as primary email. For few months I found out few weeks ago .and I made changes, and put back my email as primary. But forget to take pic of the other email. So I log back in to take pic and it was no longer there. 
So I call customer service for bank of America to ask a copy of the email that was pasing as my primary email. And they claim is not there anymore I been gone the lady said. I insist that they must have a a record of it. But was denied. 
I even ask the lawyer I had for XXXX  XXXX about it he claimed that he wouldn't do such thing without asking me first. 
He is no longer my lawyer either
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 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX .... Balance : {$17000.00} ; DEPT OF EDXXXX XXXX .... Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$4600.00} ; XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX XXXXXXXX XXXX. Balance : {$1900.00} XXXX XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX XXXXXXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on consumer credit reports that theres unauthorized inquiries on my Transunion, XXXX and XXXX reports. Someone applied for something using my name and SSN. I am uploading supporting documents that the Illinois XXXX XXXX XXXX XXXX website was breach by hikers and important information was breach
Product: Checking or savings account

I had an account with Chime. I asked for a replacement debit card, several times. Always being told by the app that my new debit card is on the way. This went on for months. My direct deposit of my monthly social security payments would normally be deposited to the debit card account. When Chime failed to send me a new debit card I had no choice but to switch over to my credit card account. Only because I had bills to pay and had been trying for several months to get a new debit card. When I switched to the credit card account I placed only my monthly benefits on the card. I also only spent what I put on the card. They are saying I now owe them over {$1200.00}. This has caused me to get denied for housing, loans and credit cards. My score is constantly affected by this debacle.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX 3 international wire transfers posted to my checking account with Chase bank. One for {$5000.00} and two for {$10000.00} totaling {$25000.00}. I immediately contacted Chase bank to report the transactions as unauthorized fraud. I had previously experienced fraud on my account and had notified Chase. That bank account was closed and a new account was opened. The new account is the one in question here. Chase was unable to recover the funds and denied my fraud claim leaving me wiped out. I began litigation against Chase bank for negligence, however my lawyer advised me that the federal regulations did not protect wire transfers. I have recently heard of many other cases of wire transfer fraud greatly impacting consumers and am appealing to the CFPB to step in and hold banks accountable for their negligence. Thank you, Sincerely, XXXX XXXX