23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LakeView/LoanCare is servicing my current VA loan ( Loan No. XXXX ). I initiated a " streamline '' refi with Lakeview in XXXX XXXX. Completed required documentation and waited. After six weeks I contacted the person I first talked to ( XXXX XXXX ), who I assumed was handling the refi, he just referred me to another person ( XXXX XXXX ) as if he had no further involvement and didn't care. The person he referred me to assured me that the " final docs were expected that day '' ( XX/XX/XXXX ) and the anticipated closing date was XX/XX/XXXX. When that date past without word, I contacted XXXX XXXX again. He then informed me that he was waiting for XXXX to pay the XXXX XXXX property taxes and suggested I contact them to request they pay the taxes. I was stunned that this was coming up now. I managed to finally get XXXX on the phone, they informed me that LakeView had initiated a " netted payoff '' so the could/would not pay the property taxes with the " netted payoff ' in progress! This was my first indication that my XXXX taxes hadn't been paid, when I checked with XXXX County I discovered that I now owed not only overdue property taxes, but an additional penalty of {$390.00}. I've contacted, or attempted to contact Lakeview and XXXX numerous times. It's nearly impossible to get anyone on the phone, but even when I have, they just point fingers at each other! 
I don't feel it's my responsibility to pay this {$390.00} penalty. But after numerous attempts, phone calls and emails, all gone unanswered, I am still waiting for someone to help resolve this issue. My XX/XX/XXXX property taxes remain unpaid, and XX/XX/XXXX payment will soon be due! I find it totally unacceptable that they will not pay the taxes, and fail to respond to my many attempts to get them paid! 
My refinance? I have no idea where it stands!!! No one will contact me!
Product: Credit card

On XXXX XXXX 2016 Synchrony Bank ( toys r us ) took {$69.00} from my bank account without any authorization whatsoever. Upon confronting them about this they informed me that they will refund the {$34.00} overdraft fee that I will incur from my bank by paper check in 2 to 3 weeks. But they refuse to refund me the {$69.00} that was stolen from my bank account. They just keep repeating that they " cant '' refund what they stole from me.
Product: Money transfer, virtual currency, or money service

I trade Bitcoin online through a XXXX marketplace, and I was using Venmo as my preferred method of payments received. I had a dispute involving XXXX transaction for {$100.00} USD. The payment was firstly false and invalid to which Venmo refunded the customer for the payment of XXXX USD without notifying me of this dispute. Secondly they subsequently flagged my account for review. I fulfilled every step and furnished every document requested to uplift this limitation. After contact with 4 upper level supervisors and fraud prevention department specialists, my account was then permanently limited and subsequently I was informed by the service, Venmo, that I had violated the terms and conditions of the account & that their service would no longer be available for me to use. I submitted my identity verification, as well as many other documents to show proof of purchase & the transaction that caused this ordeal. From purchasing Bitcoin and trading on the online platform. Now my funds are being held for no apparent reason. I'm being told that I have to wait 180 days to receive the funds that I legally and rightfully obtained, with supporting proofs. Yet I was deducted the XXXX USD. As well as after making the initial transfer to my bank account attached the funds were reversed back to Venmo, who issued a refund without contacting me when the dispute arose. {$840.00} USD was returned then {$100.00} USD refunded leaving me with a frozen balance of {$740.00} USD. I've submitted proofs for the funds legal obtainment. No disputes will arise against me in pertains to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a reinvestigation results response from Experian reinvestigation results from report number XXXX, which I made under FCRA 611 ( a ) regarding an erroneous item on my credit report. 

I included an official letter on my dispute received from the clerk of the United States Court stating they do not " share any information with Credit reports or 3rd Party agencies and Experian keep confirmed that have verified these accounts, I wonder who has verified if United States Court stating they do not share any information with Credit reports or 3rd Party agencies.
Product: Credit card or prepaid card

I have the Chase Sapphire Reserve card, which has a purchase protection caluse of up to {$10000.00} per purchase ( as seen on page 25 of the Benefits Guide ). On XX/XX/ I registered a claim with them for an item that's worth {$2000.00}. Along with the claim, I submitted the original invoice as well as card statement showing the charge to my account to prove that my card was used to pay for the purchase. I can provide the official claim number if needed. 

Chase asked for official repair estimate. I had a repairperson come and run the estimate, which came to {$160.00}. 

Chase told me that they can only pay up to {$500.00} for the purchase protection because that's what the card offers. When I showed them their own, official documentation showing purchase protection on my card of up to {$10000.00} per purchase, they told me they'd look into it and get back to me. It's been three months, and I haven't heard anything back from them, apart from receiving a check for the {$160.00} that the technician charged for the estimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting a fraudulent account opened on XX/XX/2019 to XXXX and verifying that disputed information is accurate, but has yet to provide me with the requested information that proves that I am the one who opened the account. In the information they provided, which consists of two bank statements, there are only returned mobile deposits and returned echecks. I have requested the signature card used to open this account and also the ID used. Neither pieces of information have been provided to me. The closure status status states " settled in full '', when I have never paid a dime to Bank of America, or conducted any business with them. They have it reported for Suspected Fraud Activity, which I do agree with, but I am not the one who conducted the fraud or the opening of the account. If they are not able to provide me with the requested proof that shows I am the person who opened this account then it needs to stop being reported. They were provided with my FTC Identity Theft complaint, as well as the Dispute and request for validation of proof. Seeing as that they are unable or unwilling to provide any proof that I opened this account, other than my personal information was used via a mobile application, then this information needs to be removed and stopped being reported immediately.
Product: Vehicle loan or lease

On XX/XX/XXXX I applied online for an auto loan with Hyundai Finance. It has been 3 days and they have not sent me an email confirmation as to the loan being approved or denied. I have called 3 times to Hyundai and they have refused to provide the requested documentation. However what they have done is shared my confidential and personal information, without my consent, to the local dealership. Hyundai Finance has now informed me that I must go to that specific dealership to receive confirmation of my loan being approved or denied.
Product: Checking or savings account

I am writing to formerly file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However due to delayed posting of charges and credits. I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida  DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$110.00} Needs Attention XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$280.00} Needs Attention XXXX XXXX XXXX   Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$110.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$220.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1700.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$19000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2500.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$10000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$18000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - {$220.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1100.00} Needs Attention XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX + {$150.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention XXXX  XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

I 'm having major problems with XXXX XXXX. We have been trying to purchase a house since XXXX XXXX and now it 's XXXX XXXX. We have had 3 different closing dates and the company keeps jerking us around, lying to us, loosing personal info with our social security and bank account numbers, and passing us around from one agent to another. We have good credit and this company has been very unprofessional and takes no responsibility for these problems. They never fix the problem, they just keep loosing info and prolonging the loan process.
Product: Vehicle loan or lease

Santander was involved in a class action lawsuit/ settlement where any derogatory information should be removed from consumer reports due to unfair treatment of consumers. I have contacted Santander multiple times and received no response, they are also in violation of the XXXX code. Santander website shows anyone who received a loan between XXXX qualify for them to forgive the remaining balance on the loan. My credit report still shows a balance of XXXX owed to them. Please have this resolved and removed asap as this has been holding me back from moving forward with becoming a home owner.
Product: Credit reporting or other personal consumer reports

OnXX/XX/2023 I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted Nelnet to ask for an Income-Based Repayment Plan, and it was approved. I received a letter that stated that it would take some time to show on my Nelnet account, but that my qualifying loans would be {$33.00} starting at the end of XXXX. I tried multiple times to contact Nelnet because I did not see it on my account online. Not only that, but I contacted them and asked for a forbearance to make sure that my account would not go past due. Nelnet did not apply the forbearance on my account, and then they reported 90 days past due to all three credit bureaus. They reported that I was past due in the amount of {$710.00} which was not true. I have attached the letter that was sent to my online Nelnet account. I spoke to Nelnet XXXX XX/XX/XXXX after receiving notifications that my credit score had dropped XXXX XXXX due to Nelnet adding a 90-day past due to my account. They told me that they would apply the forbearance and that they would dispute my account to the credit bureaus, but I never received confirmation. I was on the phone for over 4 hours. They have ruined my credit score and I need it fixed. I was in the process of a loan, and now I am not able to. 
I need this fixed. I did everything on my part and they did not! Not only that, but I contacted Nelnet by email, chat, and phone calls, and nothing! I have been on hold for hours just to get hung up on. My credit score dropped thanks to them and I need it fixed. They ruined it and I have been super upset.
Product: Debt collection

NCB Management Services INC sent me the consumer [ XXXX XXXX ] collection letters about an alleged debt. After looking into the alleged debt in all three ( 3 ) Credit reporting agencies XXXX, XXXX, and XXXX I then moved forward to dispute this alleged debt with NCB Management Services INC . 
I sent NCB Management Services INC three letters of dispute with a conditional communication via mail correspondence only. 
I did receive a response from NCB Management Services INC . 
NCB Management Services INC did NOT send me lawful validation of this alleged debt pursuant to 12 CFR 1006.34 - Notice for validation of debts.

Furthermore NCB Management Services INC sent me a letter that advises me about a Data Breach. 
I Lisette Loera found NCB Management Services INC now in violation of Identity theft for obtaining my information under false pretense and furnishing without having permissible purpose of the consumer which in this case is me. I will provide documents to support my claim. Below are the laws that support my claim.

Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which NCB Management Services INC did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

These are the violations of Consumer LAWS
Product: Credit card

XX/XX/XXXX got a email from chime Bank saying that XXXX recouped money out of my sons account that passed away on XX/XX/XXXX I was trying to close his account I called XXXX and they did not take any money from him. He was not on XXXX. I asked Chime again what happened the money and asked to send me a copy of the paperwork and now they are not responding to me My son had {$690.00} and {$270.00} in credit builder account. They sent me a check from XXXX XXXX for {$160.00} which I will not cash cause it is not correct
Product: Mortgage

Since XX/XX/2020 I was to make 3 trial payments of XXXX made those then signed loss mitigation papers to caliber for payments of XXXX on XXXX XXXX have made all payments then I got a statement from Fay servicing saying that they were putting my payment of XXXX in an unapplied fund now they are saying my payment is XXXX saying my payments are behind. Fay servicing would call my home when answered it was me would reply I can't speak to you at this time, have tried calling them but get nowhere at all I contacted caliber they said contract is valid and a copy was sent to Fay servicing as well. I'm trying to save my home from there reckless disregard
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus such as TransUnion, XXXX, and XXXX are reporting inaccurate information on my credit file. They are reporting a derogatory account XXXX from XXXX XXXX XXXX as past due for {$21000.00} and this is inaccurate. The account has been settled and PAID OFF IN FULL. I would like this account corrected and the derogatory status removed from all of the credit bureaus database. I have disputed with the credit bureaus both by phone and letter and they refused to delete the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, I traded in a vehicle to a dealership that I am currently involved in litigation with. At this time, my credit account with the credit union in question was current. I found out weeks later that the dealership had not paid the vehicle off. I made the credit union aware of this dilemma numerous times and yet, the account was still reported late to XXXX, TransUnion, and XXXX. 

After the dealership finally paid off the vehicle, ( after having it in possession for almost 2 months ), the credit union updated my credit reports to show the account closed and showed it to be paid in full, yet the " payment status '' on all three reports shows as currently late. I have disputed this account with all three bureaus, ( XXXX twice! ) and the credit union has verified inaccurate data. Unfortunately, this now makes them liable for damages to be pursued under the FCRA, FDCPA, and the TFC. This false reporting has placed a tremendous stress on my finances, ( as I was in the middle of a mortgage loan when this hit ), and has taken a severe toll on my health and well-being. 

These complaints are also being reviewed by my attorney who is handling the case with the dealership in question as well.
Product: Mortgage

We have a loan through United Security Financial being serviced by XXXX XXXX. We are under a VA loan and are currently trying to sell our home, in Virginia. Our appraisal was for {$160000.00} and they are refusing our current offer for {$160000.00} and refusing to utilize the VA short sale procedures. Our house has been on the market for over a year and this is the only offer we have had. They are refusing to accept the offer and want to net more money, even though they will be able to get at least {$48000.00} from the VA
Product: Vehicle loan or lease

I am writing to formally dispute an issue I have encountered with CAP ONE AUTO, regarding their failure to remove a late payment entry from my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in rectifying this matter. I contacted CAP ONE AUTO in writing, requesting the removal of a late payment entry on my credit report, which was inaccurately reported. I provided supporting documentation demonstrating that this late payment was erroneous and should be corrected immediately. Under the FCRA, creditors are obliged to investigate disputes and correct any inaccuracies promptly. However, to date, CAP ONE AUTO has not taken any action to correct this error on my credit report, despite the ample evidence I provided. This has had a detrimental impact on my credit score and financial standing, which is causing me significant distress. I kindly request that the Consumer Financial Protection Bureau intervenes in this matter to ensure that CAP ONE AUTO complies with federal law by promptly investigating and correcting this inaccurate reporting on my credit file. I believe this is a clear violation of the FCRA, which mandates that accurate information be reported and that disputes be resolved in a timely manner. I trust that the CFPB will take appropriate measures to address this issue promptly. I appreciate your attention to this matter and look forward to a resolution that ensures the accuracy of my credit report as required by law. Thank you for your assistance in rectifying this.
Product: Debt collection

Under the Fair Credit Reporting Act, I request that this inaccurate information be investigated and corrected on my credit report. Please confirm once this dispute has been resolved, or if further information is needed from my side. This account isnt mine. 

I would appreciate a prompt response regarding the status of this dispute. 

Account : True Accord Corporation