23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a 30 years 3.375 % mortgage with home value over {$280000.00} and mortgage balance less than {$100000.00}. On XX/XX/2020 we applied {$180000.00} mortgage with 15 years refinance fixed rate with Truist Bank ( Sun Trust ), which it offered 2.75 % with no point. On XX/XX/2020 we were informed  by Truist that our refinance application was conditionally approved by loan processor. Around XX/XX/2020 we were informed by Truist that the application was reviewed by underwriting team. On XX/XX/2020 we submitted more documents that Truist underwriting requested. On XX/XX/2020 Truist loan officer called and said we were not qualified for the 2.75 % fixed rate of 15 years mortgage, because our house is not primary residency according to Truist underwriting team 's investigation. Hence Truist offered us 3.1 % rate for the 15 years mortgage, which was way higher than market price. We refused the new offer because the house we applied for refinance is our primary home. Our current rate is 3.375 % with 30 years loan. We won't apply 3.1 % rate for 15 years loan plus over {$6000.00} closing cost if Truist informed us from the beginning. Truist sent out Credit Denial statement for our loan application dated XX/XX/2020. We have excellent credit which both are over XXXX. We believe Truist imposed higher rate to us due to our race ( we are XXXX and XXXX ). Truist underwriting officer spoke to us like we were alien who didn't understand her English, and questioned us like she was law enforcement officer. Not only her phone call had no caller ID and it was scratching with poor connection. We insisted we preferred email communication since we started the application. We sent two certified letter asking for the reason of credit denial on XX/XX/2020 and XX/XX/2020 without any response. On XX/XX/2020, Truist called and she pretended they didn't understand what we asked for. We had to send the 3rd certified letter on XX/XX/2020 to explain what we looked for. A letter dated XX/XX/2020 from Truist stated the refinance application was denied as Truist was unable to grant credit under the terms as a primary home. Truist changed the rate from 2.75 % to 3.1 %. We believe this is credit discrimination!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a public record ( Bankruptcy ) in XXXX, XXXX, and XXXX of XXXX that was reporting inaccurately on my credit file with Transunion. On each separate occasion, Transunion sent me a letter saying their third party vendor verified the record as accurate. However, Transunion 's response is false and inaccurate because they are in receipt of a letter from the third party vendor ( XXXX ) who states my credit profile has been frozen since XX/XX/XXXX. 
I verified with the vendor that the security freeze is still valid. Furthermore, they also said they have not released or verified any of my information with Transunion or any other company since XXXX of XXXX. I explained this fact to Transunion on 3 different phone calls asking for some type of proof of verification with the vendor, but to no avail. 
Transunion is violating my rights under the FCRA by not legitimately verifying the accuracy of negative information on my credit report.
Product: Mortgage

On XX/XX/XXXX I lost my husband XXXX XXXX XXXX. I notified the mortgage company, SN Servicing of his death. His was the only name on the mortgage. I wanted to take over the loan and get a loan modification since I would no longer have his income to pay. I don't recall the date I contacted them, but spoke to a gentleman named XXXX who assured me he would get the paperwork I needed to me. My husband and I were in bankruptcy at the time of his death. I did not receive any paperwork. I continued to pay the mortgage as best I could while dealing with social security on another matter that affected my finances. The mortgage company contacted the bankruptcy attorney and stated that I had not been making payments. I pulled the online documentation showing that I had made the payments in question. In XXXX of XXXX, I voluntarily dismissed the bankruptcy case to try and get a favorable deal with the mortgage company or find another company. I was contacted by XXXX XXXX from SN Servicing. She did send me the paperwork that was needed to modify and take over the loan. She stated in our phone conversation that the company would not reduce the interest of 12.6 % on the mortgage. I completed all of the paperwork and returned it to the company. I was sent an agreement that increased my payment from {$1100.00} a month to {$1500.00} a month. This agreement included my huband 's ex-wife 's name. I signed the agreement for myself and notified them that she had signed a quitclaim deed when they divorced. I was contacted and told I had to send a copy of the quitclaim deed. I did so and made the {$2000.00} good faith payment. I have attempted to make the payment and was told that I had missed my 1st payment to them. I have a son who receives a survivor benefit from his father 's death, but he will turn XXXX  in four months and graduate XXXX  school in 7 months. This income will no longer be a part of the money we have to pay bills. I am struggling to pay bills because of this payment plan. I have attempted to get a mortgage with another company, but am unable to do so because of late or missed payments to SN Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}.
Product: Credit card or prepaid card

I have reached out to HOME DEPOT and requesting information in which i have yet to receive a response. HOME DEPOT is In Violation of my rights as a Federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SELECT PORTFOLIO SVCIN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SELECT PORTFOLIO SVCIN and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX and SELECT PORTFOLIO SVCIN with no successful resolution. XXXX, XXXX  and XXXX reporting me 30, 60 and 120 days late from XXXX to XXXX. There was an error on their part. I was never 30, 60 or 120 days late.
Product: Credit reporting or other personal consumer reports

It's unacceptable but now my research tells this happens by the hundreds of thousands of complaints on this company that this is still happening to me show the insane manner in which the fraudulent company treats people
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. These collections found with my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization-used my personal identifying information to apply for goods, services, or money and was successful creating some accounts. All is being investigated by FTC.
Product: Checking or savings account

On XXXX XXXX I received a check from the CFPB for a settlement for XXXX XXXX. I deposited the check mobile deposit into my Truist Bank account. The check was had a released date of XX/XX/year>. On XX/XX/XXXX the funds were available in my account. I went to use my debit card, and my transaction did not go through. I contacted Truist Bank, I was informed that my account was blocked and pending closure due to the check. I called numerous times ; I've been told the account was still under investigation. On XX/XX/year>, I was told by a supervisor at the Bank to provide a letter from the check issuer that it was from a settlement, and they would release the funds. I provided the letter that day and still do not have the funds. I contacted the Bank again today on XXXX XXXX I am now being told the account is closed and the only way to retrieve the check I deposited into their bank is for the Check issuer to file a claim with the bank to get the money bank. The bank will not release a check that was paid to me and closed my account due to the check!
Product: Debt collection

This agency keeps calling us after numerous attempts to ask them to stop calling. We've given them each of the phone numbers routed to our phone lines. We receive at least 25 calls each day.
Product: Credit card

The credit card company claims that I owe them money, but I traced every charge transaction to a payment. I called them to go line by line to show them that they were paid, but the company has refused to help me all three times I 've called. They keep transferring me to different people or departments, and no one can help. They keep repeating the same formula for how the amount is calculated, but they do not seem to be interested in me telling them that the calculation does not line up with the activity. They do not seem to want to recalculate the charges versus the payment to see my side of things, but instead keep referring me to different departments or people. I 've called three times already and now have to call again. I would like them to listen to side and follow the charges versus the payments as I have done. Also, I 've tracked the payments and show that I 've over paid on a few items and the balance should actually be a credit balance, and in fact they owe me money instead of me owing them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 EQUIFAX removed the collection account of XXXX XXXX XXXX XXXX XXXX from my credit report however, it was added back without properly notifying me. I made two attempts for them to correct this issue and they did not resolve it. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.
Product: Mortgage

I applied for an equity credit line only to be declined because unbeknowns to me the mortgage company had placed a lien equal to 150 % of the loan on the property. I 've contacted the company, CMC Funding ( they use XXXX to service their loans ) regarding releasing the additional 50 %. After several emails and XXXX phone calls assuring me that they would be quickly getting back with me I have heard nothing from them. My request was pretty simple but they seem content ignoring me. If by chance I did sign something in the closing documents that allowed then to increase the lien on the proerty to 150 % of the loan value it was done in a very deceptive manner. None of the previous loans that I have had ever had anything like this and if something this restrictive was added to the loan documents it at a minimum should have to be made crystal clear to the applicant as part of the truth in lending. It appears to me that if I took action using the Kentucky Revised Status that they could consider me in default of the loan, which seems absurd but even my personal bank did n't understand the process and that is why I 've tried to deal with CMC/XXXX regarding this issue in a civil manner but apparently they do n't operate under the concept of real customer care. If I had known I would have either negociated it out of the terms of the loan or found a different mortgage company.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello I want to report paypal for permanently limiting my account that i used for only 1 transaction. There is a balance of XXXX usdt and i can not withdraw it. Pls help
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was issued a loan from XXXX  for {$600.00}. To date, I have paid {$390.00} which has cleared and posted plus another {$130.00} which is in process for a total of {$520.00} ( 4 payments of {$130.00} ). Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$600.00} loan, the fees collected should be {$90.00}. Once I make my fifth payment of {$130.00} on XX/XX/XXXX, I will have paid {$650.00}. To pay the {$90.00} fee, I would owe a remaining amount of {$32.00}. I will pay that amount on XX/XX/XXXX. 

The XXXX website states I still owe {$670.00}. For a {$600.00} loan with a {$90.00} fee, my amount to pay would be {$690.00}. With the {$390.00} which has already cleared, to collect another {$670.00} from me would mean XXXX will receive {$1000.00} on a {$600.00} loan. 
This is PREDATORY, OBSCENE and APPALLING!!! XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 

Once my fourth payment ( XX/XX/XXXX ) and fifth payment ( XX/XX/XXXX ) of {$130.00} each are posted to my account, I will only owe {$32.00} to pay back {$690.00}. I will pay that on XX/XX/XXXX. At that time, I want my account marked " Current/Paid in Full/Closed ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to the reporting agencies and the creditors that this was not my account and they still report this info on my credit report which is really affecting my ability to purchase a house!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX : I contacted XXXX XXXX regarding a refinance, I was upfront about previous late payments. XXXX told me to make all payments on time for 1 year then apply. 
XX/XX/XXXX I made ALL payments on time for 1 year, contacted XXXX XXXX, started the process for a refinance and filled out all paperwork, including credit application. XXXX ran my credit and I sent XXXX my bank statements. 
XX/XX/XXXX XXXX sent me an email asking if I have any reserves besides my current money in the bank. I responded clearly no and asked clearly if that was a problem. XXXX clearly responded in writing " No, you're good! '' XX/XX/XXXX XXXX stated the time to close would be 2-3 weeks. 
XX/XX/XXXX XXXX sent me an email telling me I do not qualify for the loan because I do not have more cash reserves despite clearly telling telling me it is not an issue on XX/XX/XXXX. She offers to try to do a FHA loan ( which she gets to take fees ) and then in 6 months switch again to a no FHA loan ( which she would get fees again ). 
XX/XX/XXXX I told her I feel this is bait and switch, she knew my payment history, and had all of my financial information now she is offering to process 2 loans in 6 months. I felt it was unethical of her. She clearly told me that reserves were not and issue. XXXX responds telling me it was my payment history that is making that requirement. 
XX/XX/XXXX I responded to her telling her she was aware of my payment history and my reserves more than 30 days ago and there was no issue, to then bring it up as an issue and offer me to pay TWICE because she was not honest and up front I felt is unethical. 
XX/XX/XXXX I made a complaint with the BBB and wrote company executives for Golden Empire Mortgage. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter was written to Experian credit bureau to remove incorrect information of my credit report about an account which is not mine. Has already been removed from XXXX. When another letter was sent to reinvestigate or to obtain all information that was found by the credit bureau, was denied that right which is illegal due to the FCRA and was told no reinvestigation would be done and no information was given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX AMERICAN EXPRESS Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. Transunion has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the Transunion has investigated properly before posting derogatory information. 

( XXXX XXXX XXXXXXXX XXXX )
Product: Mortgage

We re-financed our mortgage on XX/XX/XXXX. As part of the settlement process, our mortgage with Statebridge was paid off IN FULL on XX/XX/XXXX. At the time of payoff, we had an escrow balance of {$4800.00}. 

On XXXX, I called Statebridge to inquire on the status of our escrow refund. I was told by the Cust Svc Rep that the " Investors '' needed to approve the refund and that it usually took 30 days. I communicated to the Cust Svc Rep our sense of urgency of getting our escrow refund, due to the financial uncertainty associated with the Covid-19 crisis. She said there was nothing that she could do to expedite the refund, and I then asked to talk with a supervisor. I was transferred to XXXX, and re-iterated the same concerns and asked about getting our refund expedited. I was shocked by the attitude and rude demeanor of XXXX, who essentially accused me of trying to leap frog everyone in front of us and said " you're all in the same boat ''. XXXX does not know our financial situation, and her callous response was both unprofessional and ill-informed. She ended all by saying that " we have 30 days to return your money '' so you'll have to wait the 30 days. 

On XX/XX/XXXX, I called Statebridge again to inquire on the status of our escrow refund. I spoke with XXXX, who indicated to me that the refund process is 30-45 days. This was inconsistent with the timeline that I was given on XXXX. I again re-iterated our sense of urgency in getting back our escrow money. XXXX indicated that he would send an email to Statebridge Cashering to inquire on the status of our refund, but I never received an update. 

On XX/XX/XXXX, my husband called Statebridge again to inquire on the status of our escrow refund and spoke with XXXX. My husband again re-iterated our sense of urgency in getting this money back, and XXXX told him the process could take up to 45 days. When my husband pushed back, XXXX indicated that he would open up a case. When my husband asked for the Case # ( for reference purposes ), he was told that he couldn't have it. This was the LAST straw!!! 

At this point, our loan with Statebridge has been paid off for over 30 days, and we're getting ready to make our first mortgage payment with our new lender. Meanwhile, Statebridge is still hanging on to OUR {$4800.00} escrow funds. It's abhorrent that a big company like Statebridge would take advantage of the " little guy '' during this unprecedented pandemic when many people ( including us ) are experiencing financial anxiety. This complaint is our " next step '' in getting this company to do the right thing and return our money.
Product: Credit card or prepaid card

Someone stole my credit card and made fraudulent atm withdrawls. Because my pin was used and it was the same as my billing address Chase denied the claim.
Product: Debt collection

This collection account showed up on my credit report with a date of XX/XX/year>. I did not open an account with them on that date. I have filed disputes several times for ownership. I have requested verification of the debt via XXXX XXXX, XXXX, and XXXX. The company has never provided proof I owe the debt or any proof that they have the legal right to collect. They use different dates every time they put the debt back on my credit report. They have never provided a bill of sale for the debt or any contract with my written signature where I agreed to pay any amount to their company. They are using illegal tactics to collect on a debt without showing valid proof or any evidence whatsoever of being able to legally collect on the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX, i wrote letters to Experian XXXX XXXX XXXX and XXXX regarding fraudulent accounts that was opened in my name. I filed a report with the FTC and sent each of them a copy of the report with the accounts in mention and its been more than 45 days and they still haven't removed this identity theft accounts from my report can you please have them remove these fraudulent accounts.