23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My story has not changed take a look at ALL my complaints starting with the first complaint to SN Servicing Company on XXXX, XXXX, XXXX SN Servicing Company should send an electronic copy of the requested pay-off letter through the CFPB web site that lists all fees and all mortgages along with the current mortgage information and balance required by law. The impact of COVID will result in all very large number of requests for information prior to refinancing and FORECLOSURE and it is very important that request for a simple pay-off statement are not handled like this on and take months to obtain. I requested my information on XX/XX/XXXX and still have not received the information. People with FORECLOSURE proceedings would be faced with paying an inflated lump sum pay-off or lose their homes. This must come to an end the public should never ever be subjected to this type of treatment. This is not mental problems please look at the attachments along with the long list of complaints that I have filed trying to confirm if the mortgage was processed or voided or paid off. XXXX title has not replied to my complaint to identify the property with the legal description of the location of the insured property. All I have requested is a copy of the insured location and have been bombarded with a 40 page response and NO TITLE POLICY FOR THE INSURED LOCATION. I financed my original purchase with a XXXX XXXX XXXX XXXX MORTGAGE  and NOT WITH A DEED OF TRUST or anything else. I don't want to be writing back and explaining that I told you so. I would like much attention drawn to this type of matter now before many families are consumed and subjected to foreclosure or paying an inflated pay-off without ant break down. THE LAW IS THAT ALL MORTGAGES AND FEES ALONG WITH THE CURRENT MORTGAGE BALANCE MUST BE ON THE PAY-OFF STATEMENT. The COVID problem will result in a feeding frenzy and major problems for honest hard working people who have been subjected to illegal communications tampering with email interception and impersonation along with phone tampering with caller ID spoofing call interception and voice impersonation. How can you communicate with your employer and how would communicate with an attorney. The answer is to do everything in person like I have all you will lose everything and get thrown on the street and labeled a mental patient. SN Servicing company should simply submit an electronic copy of the pay-off statement as required by law through the CFPB website. Is that too much to ask for? We all need to learn how to look out for one another and the first step is making sure that the next person is not subjected to the wrath of problems getting something they are entitled to receive by law. Please take a look at the history of my cases and see for yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian regarding the presence of two illegal and false accounts on my credit report. I have recently reviewed my credit report and discovered that these accounts, namely XXXX XXXX ( account number XXXX ) and XXXX XXXX. XXXX ( account number XXXX ), contain significant inaccuracies and are intentionally missing important information. 

Firstly, both accounts are illegally reporting false information, misleading both myself and potential creditors who may access my credit report. This not only damages my creditworthiness but also violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, these accounts lack essential information such as a business address or point of contact. This deliberate omission makes it extremely challenging for me to dispute the accounts or identify the actual company responsible for reporting these illegal accounts. It appears to be a deliberate attempt to hinder my ability to rectify the situation and protect my credit. 

I insist that Experian takes immediate action to address these issues by : Removing the two illegal and false accounts from my credit report. 
Ensuring that my credit report accurately reflects my credit history and does not contain any misleading or fraudulent information. 
Including the complete and accurate business address and point of contact for any reported accounts, allowing me to appropriately address any future disputes or inquiries. 
Failure to rectify these issues promptly and satisfactorily will leave me with no choice but to take further legal action to protect my rights and seek appropriate compensation for the damages incurred. 

I have enclosed a copy of my credit report highlighting the aforementioned accounts for your reference. It is crucial that Experian undertakes a thorough investigation and resolves these discrepancies in compliance with the FCRA. 

I expect to receive a written response from Experian within 30 days of receiving this complaint. Failure to respond adequately or address the concerns outlined in this letter may result in legal action to seek remedies for the harm caused, including but not limited to, damage to my credit, emotional distress, and violation of consumer protection laws. 

Please be aware that any communication or information received from Experian regarding this matter will be retained as evidence for potential legal proceedings. 

Thank you for your immediate attention to this matter. I trust that Experian will take swift action to rectify the inaccuracies on my credit report and ensure compliance with the FCRA. 

Sincerely,
Product: Mortgage

I searched for mortgage refinance online and came across Amerisave Mortgage, and was connected to Loan Originator XXXX XXXX. XXXX did my credit check and started the loan process, which would refinance my current mortgage at 2.5 % fixed APR for 30 years. I committed to Amerisave and gave them {$500.00} deposit, which was non refundable if I chose not to proceed with Amerisave. All this happened in XXXX, 2021. I sent them my pay-stubs, bank statements, tax filings and W-2s and house appraisal to proceed with the loan, I was prompt in responding to them them and getting them the info. Late XXXX, early XXXX I stated to contact XXXX I felt things were moving bit slow, after couple of attempts I get a phone cal, no response to e-mail telling me the loan was not locked, I can no longer get the 2.5 % rate. I lost out in a drastic way as there were other lenders offering me similar rate in XXXX. Then I was told to get 2.5 % it will cost me {$13000.00}. The initial cost that was mentioned to me in XX/XX/2021 was around {$800.00}. 

XXXX 's info : XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Debt collection

Will not stop contacting me and sending me letters I'm getting sick of it and when I tried to make a payment towards my accounts with lloyd and McDaniel they turned it down
Product: Checking or savings account

My JPMOrgan Chase bank account was frozen when I complaineed anbout a debit card problem mwith a brand now debit card and the same problem happend with three new debit cards in a row! Th banl manager looked into my debit card record on her computer and questioned me " What areall thesemRedwin deuctions and what were they for? '' I explained they were donations to President Trumps Presidential campoaign and i support President Trump. Aat that point she left her office and had me wait. She went to speak with someone and returned and told me my bank account was frozen atthat point! But they are using an excuse about my attempts to withdraw funds and wire them to a foreign business that sells high end furniture to help seed the business of a friend of mine. What I was doing was totally legitimate and not a scam. BUtthey stopped the wres. IT is my money and what I wasa doing was not a scam but legitimate and I Had a contract for the furniture! 
I see it this way it is my money and this is a free country and I can do anything with my money I want to too! I did some online research abd found out CHase Bank has been debanking customers nationwide that are conservatives like myself and are biased against me for my political beliefs! They told me today that they wont be able to be my financial institution anymore and have expelled me from CHase Bank and my money if freozen and i Cant pay my bills or buy groceries or fuel for my vehicle and di n't even apologize to me about it and simply don't care about their customers! ITs my money and I need it and isn't it illegal to to discrimate against me becuse of my political affiliations. The wiresI requestedsent were totally legitimate and its none of the banks business what i do with my money! We dont live in a soicialist country Ifyou look online youwill seehundres of stories about JPMOrgan Chase Bank debanking customers if they are conservatives and the bank manager did question me about my donations to President Trumps campaign! I seriouisly feel I have been discrimminated against by JPMorganCHase Bank! becaue of my political affiiatioin and now I am behind on my bill payments and and also feel this could seriously affect my excellent credit score.

Thankyou for your time and consideration in this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX You can call the Chase Bank official handling this at XXXX - XXXX XXXX and ak for XXXX XXXX
Product: Credit card or prepaid card

I had last used my prepaid XXXX card on XX/XX/XXXX and it had a balance of {$640.00}. When I went to use it on XX/XX/XXXX it had under {$10.00} on it. On XX/XX/XXXX I called and reported that fraud had occurred. I was sent dispute paperwork in the mail which I filled out and returned via email. I called and made sure they received my completed dispute forms and was told they did and I would be informed of their decision via letter. I got a letter saying my claims were denied due to " inconsistent conflicting information ''. The letter also states " You have the right to request copies of the documents that we relied on in making our determination ''. I called to request this information and was told I could file an appeal and ask for the documents. I did both via email and a written letter. I called to make sure they had received my appeal and was told they had and I would hear from them in 45-90 days. That time had passed and I heard nothing. I called and was told my appeal was denied and I would get a letter explaining their decision and documentation in 7-10 business days. That was on XX/XX/XXXX and I didn't get anything. I called this morning ( XX/XX/XXXX ) and was told I didn't get anything because there was no documentation to send me. It was my understanding that they are required to show documentation that they did in fact carry out an investigation of my claims and that the disputed transactions were indeed authorized ( which they were not ). During this process I got a letter stating that I needed to get in touch with the fraud department because they needed more information and when I called the number on the letter I would only get the general customer service department who couldn't tell me what more information I need to provide and just told me to further explain my claim which I did via email. I found out today that there is no way to directly speak to the fraud department only to general customer service who can't talk to me about my case only read vague notes on the computer left by the fraud department.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFP3 lawsuit, highlighting significant issues with the platform, despite using Zelle numerous of times and reporting discrepancies my financial intuition and Zelle failed to investigate my claims adequately they informed me that recovering loss funds was impossible and that tracking these transactions wasnt findable the CFPB findings indicate that Zelle has not only neglected to protect customers, but has also allowed repeat offenders to exploit the system
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an email to the CEO of XXXX XXXX  on XX/XX/2023 : " Dear XXXX XXXX : I was a former cardholder of a XXXXXXXX XXXX XXXX. To my knowledge, I paid it off in full. I learned today through a XXXX alert that XXXX XXXX  put the account into charge off/delinquent status. 

Can you please investigate and see why this has happened? 

I have never received a phone call and/or any correspondence in the mail regarding this account. 

Today I called XXXX and spoke with XXXX at about XXXX on XX/XX/2023. She said I gave her attitude because I said " you better ... '' Can you have your staff listen to the tape and maybe she needs coaching or retraining. Maybe I was wrong to be concerned about my credit report? 

Thank you for your time. 


I am sorry that I cc'ed so many executives, but I don't know who to contact regarding my situation. XXXX put me on hold two times and spoke over me several times. The total time of the call was 19 minutes and 40 seconds. I could not wait any longer, I had to go to work. 

For legal reasons, I am unable to discuss this over the phone and would need to have written documentation sent to me. You may use a secure email service, such as XXXX ( after verifying I am XXXX XXXX, of course ). 

Regards, XXXX XXXX, XXXX ''
Product: Credit card or prepaid card

I applied  Citi Hilton H  Hono rs visa c redit card by online from  XXXX  on   XXXX   XXXX   and Citibank  accepted my online application, and send me visa card #    XXXX  ending, only reason i applied they offered  XXXX  points promotion online ; earn  XXXX   XXXX   XXXX  honors bonus point, after making $  XXXX  in purchases the first 3 months of account opening, so i already spent $  XXXX  then i asked my promotion points from Citibank, but they denied several times, i called them several times, i faxed their promotion offer copy which i printed from Citibank web page  XXXX  and i mailed either, so far i can not get  XXXX  points.   they manipulate the customers and they lie about online marketing  XXXX  points normally cost $  XXXX  cash value, please help me get my points as they promised on their online offer, i have Citibank web pag  e print i can send you if you need it.
This is a online marketing manipulating & corruption from Citibank.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Someone tried to open a line of credit in my name with XXXX XXXX XXXX   and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the trans union report that I ran. I have made a police report with the XXXX  County Sheriffs Office and am waiting on the report to submit to XXXX XXXX XXXX. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX
Product: Credit reporting

The man I worked for in the XXXX at a XXXX. He wrote me XXXX hecks and i put them into my account and they bounced. He didnt even have the monies in his account! So my account was then closed. The second time someone stole my card and used it to make fraudulent transactions.
Product: Credit card or prepaid card

Genesis FS Card Services closed my account about a year or two ago. I paid the balance in full and requested the account to be closed. I continued to receive monthly statements as if my account was never closed. I've asked them to cease sending notices, and they refuse to comply. It has become a matter of harassment. Please help.
Product: Debt collection

The notice that I received on XX/XX/2022, did not meet the standard required by federal and state law for a debt collector to send a written notice containing : a. the amount of the debt ( 1692g ( a ) ( 1 ), b. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 1692g ( a ) ( 3 ), and c. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor ( 1692g ( a ) ( 4 ). 

Despite the failure to provide the above, McCalla Raymer Leibert Pierce , LLC gave notice stating that unless I pay the alleged debt in full including attorney fees, there would be a Non-Judicial Foreclosure on XX/XX/2022. 

I am in the process of sending to McCalla Raymer Leibert Pierce , LLC a " NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT '' notice. Whereas, I expect according to the Consumer Protection Law of the United States Code, verification and validation so that I can consider a resolution if applicable. 

I dispute this alleged debt, until verification and validation has been fulfilled in accord with the above notice, by the law office of McCalla Raymer Leibert Pierce , LLC ( debt Collector ). 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I received a credit monitoring alert that " XXXX XXXX XXXX '' had posted a collection to my Trans Union credit report. I called the number listed on my credit report but was unable to reach anyone. 

The presence of this account on my credit report is false and misleading. I would like it removed.
Product: Money transfer, virtual currency, or money service

Chime owes me money for hidden fees
Product: Vehicle loan or lease

This is a formal complaint against Truist Bank. Truist has the worst customer service that I have ever experienced. It is next to impossible to reach them. The hold times were over 2 hours from XX/XX/XXXX to XX/XX/XXXX. The Fax number is always busy and not useable. The bank does not have an e-mail system. Local Banker in VA hung up on me during a telephone conversation. My loan account was immediately closed when I intentionally left an {$18.00} balance. I wanted to keep the small balance in order to trade my vehicle to a dealer so that my title would not get held up. The dealer was going to do the final payoff. My payments have always been ACH transfers. All of the payments were posted to my account immediately. Truist is not releasing my title electronically even though they have the payment, zeroed out, and closed my account. I have never had a bank pay off any loan. This is a Red flag to me. Are they going to send me a bill 6 months from now with interest and penalties. The bank will not provide me with a lien release letter or promptly release my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I booked a hotel room for the XXXX XXXX XXXX for the dates of XX/XX/XXXX, XXXX XX/XX/2021 through a third party XXXX/ XXXX, the total amount was {$500.00}. Upon arrival to the hotel I experienced a number of issues with the room. I spoke with the Front Office Manager XXXX XXXX. Ms. XXXX, offered me a refund and different room for the inconvenience, I accepted. I never received a refund. I reached out to XXXX  again, she informed that she sent the refund to XXXX XXXX XXXX I reached out to XXXX XXXX who stated XXXX did not submit a refund. I then filed a dispute with Capital One. Capital One credited my account and then recently made a different decision after receiving a response from the XXXX XXXX XXXX XXXX XXXX, response is unreadable and does not support my initial dispute code # XXXX. I requested for Capital One to reconsider it's decision, they refused.
Product: Payday loan, title loan, or personal loan

I tried to pay off this loan and they kept giving me excuses why I couldnt pay the loan off. They said I could be charged a fee from my bank because they would have to go through another way for me to pay it off. I kept getting alerts from my bank saying fraud alerts from a general store in XXXX is trying to get money from you. This happened XXXX2017. This was a {$800.00} loan. The annual percentage rate of 478.9907 % which I did not know about. Now I just received a email saying that my overdue balance is {$1300.00} I tried to pay in full at the beginning but was unable to because they were giving me the run around.