23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2023, i was contacted by PenFed Credit Union to begin the process for application of a cash-out refinance. It was a follow-up from previously since my hose was still being constructed. I was told i met the " seasoning '' requirements and that PenFed did these types of loans in Texas. I also explained that the home had an estimated completion date of XX/XX/2023, at which time i would take possession and begin the move-in process. I also planned to keep my existing residence and rent out the property as i have a tenent paying rent as of XX/XX/2023 on the other part of the duplex which i live in. After working through the application process, i was offered a rate of 6.5 % fixed for 30 years and locked in the rate. I mentioned i had ordered a land survey which would take some time as well as I had planned to purchase insurance as soon as i received keys from the builder. 

While applying for this loan, i also made a few applications with other lenders to get the best deal for myself, comparison shopping. 

On XX/XX/2023, I asked about using my preferred title company and provided that information. Later in the day, i was notified my application was closed out since my property did not meet their loan criteria. I was told that criteria was that i was living in the home, which PenFed was aware of prior to the application and I also was required to have a XXXX exemption on file with XXXX XXXX tax assessor office. 

I explained that the home was not complete and a homestead exemption is not a requirement in Texas. My loan officer asked for documentation on my behalf about the exemption and was not able to provide it to me from the underwriter. He even escalated to issue to the manager and the loan application was still closed out. 

I attempted to get further explanation on XX/XX/2023 and was also met with " In this case, since you still own ( and are currently living in ) another property we can not consider the subject property primary. '' and in a followup e-mail received " For clarification, it is not necessary that you have a homestead exemption but rather that the underwriters can determine conclusively that the home is a primary residence. '' I also understand when purchasing a new home, there is a statement attesting to the fact of intending on establishing the property as my primary residence. That option was not given or asked, but the information was volunteered at the begining of the process.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX {$520.00} Account Name : XXXX XXXX Account Number : XXXX {$670.00} Account Name : XXXX XXXX  Account Number XXXX XXXX {$10000.00} Account Name : XXXX Account Number : XXXX {$17000.00} and 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: Vehicle loan or lease

My vehicle has been  determined as a total loss by my insurance company. A payment has been sent to Capital One Auto to  apply to the auto loan balance. But, there is still a balance owed. I called  XXXX  to inquire if I  may  have my loan payments reamortized based on the remaining lower balance. The representative I spoke with said he is unable to assist me and there is no one for me to speak with and that I must wait to receive a letter or a phone call regarding the remaining balance and payments due on my loan.     I would like to continue making payments on the loan until the balance is paid in full. But, I can not afford the current monthly payment. I would like a modification of my auto loan.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score ACCOUNT NAME XXXX, XXXX. : ACCOUNT NUMBER XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting that I am ( 120 ) days late on the DEPTED/XXXX partial account numbers XXXX ; XXXX ; and XXXX. Equifax should not be reporting that I am ( 120 ) days late on partial account numbers XXXX and XXXX ; XXXX and XXXX ; XXXX  should not be reporting that I am ( 120 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) ALL of these accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to late on any account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Debt collection

I have a debt collection on my credit report from Midland Funding LLC I've been trying to have removed ever since i seen it. I've asked Midland Funding for details in regards to how they've come up with the number of {$270.00} they have never produced anything. I believe this collection account stems from a auto renewed XXXX membership that was tied to a XXXX i think its from back in 2016 that account was never supposed to have been auto renewed when it was i called XXXX and they said they reversed the charge and stopped it from auto renewing i literally never purchased on that card however i cant be sure that its that same account because Midland Funding has never produced a detailed list of what the debt actually is. Ive spoken with midland multiple time trying to dispute this but have gotten nowhere any help you can provide for me id be grateful for thank you
Product: Credit reporting or other personal consumer reports

I have tried to resolve this issue in several different manners throughout the past few years. Unfortunately, it has not been possible since this is a joint account. The other owner is incapacitated and has been for two years now. During the beginning of that time ( XX/XX/XXXX ) I was making on-time payments myself and had taken the responsibility for the account over without even having the car in my possession. I had tried during that time to work with law enforcement and had several court cases from XXXX til XXXX to get the car finally back in my posseion. However, the joint owner 's mother claimed to have power of attorney and did not want to cooperate with a voluntary surrender. Thus leading to an illegal repossession of my property. The company held no lien or sufficient evidence over the car during that period. This caused a lot of distress to me because I went from being perfectly fine with no bills then I was required to pay and take over this account. Eventually, the car was discharged and they still are illegally trying to collect money from me over this car. I know that a charge-off is considered a certificate of indebtedness which is income. Per 15 USC 1601-1605 it is illegal to report income on a credit report. I have tried using all my rights with Ally Ally Financial such as opting out from reporting per 15 USC 6805. I have told them all my other rights like reporting late payments are illegal per 15 USC 1666B ( a ) & it is illegal to report collections 15 USC 1681. I had never received any disclosure before all this detrimental false and misleading information was reported without my consent. There was a violation of my privacy and my whole life has been affected by this one account alone. I was denied many different things that I needed for myself to live comfortably. According to the privacy act of 1974, I have had a plethora of rights violated and I need monetary compensation no less than the amount they are illegally trying to collect from me.
Product: Mortgage

I am trying to remove myself from an un founded Loan that ha s not been completed with the  XXXX . The bAnk wo n't allow this despite me loosing my job and going overseas
Product: Credit reporting or other personal consumer reports

I submitted a complaint stating XXXX did not properly investigate and validate the balances for this vehicle. I received information from PAC that reflected different amounts from what what listed on my credit report. I supplied that information to XXXX and there was no change after 2 disputes with the most recent being made on XX/XX/24. I received the dispute results on XX/XX/24 reflecting the account remains and nothing was updated. After filing a dispute with XXXX and supplying the information, the account was deleted from my XXXX report. XXXX either did not do an investigation or refused to look at the documentation that was provided to reflect the balances are totally different.
Product: Mortgage

As with your prior responses, your information is incomplete and inadequate to explain the full picture. While I appreciate the additional information in the table that begins to scratch the surface of an explanation, it leaves out my several attempts to gain information from XXXX prior to the account being transferred thus leaving me in the dark. Do you and XXXX not have an obligation to fully answer my questions in a timely manner? This was not and still has not been satisfied and thus affirms a requirement of waiving of any and all associated late fees until this is resolved. 
Your table also fails to show the escrow balance having been fully paid by me nor does the response show the account to which any escrow refund checks were cashed ( which was requested prior several instances ). Aside from the lack of refunds, a full breakdown from 2021 to today that shows escrow transactions, NOTES, and the double-payments made as a result of XXXX refusal to process the payments has not been provided. 
Again and to be absolutely as clear as I can be : the late fees and issues arising on this account are a direct result of the lack of support provided ( initially by XXXX and today by you ). 
Your latest response also included a repeat of the letter sent back in XXXX showing that {$1000.00} was required to bring the account current in that month yet letters have claimed that the account is exactly 1 month past due ; which is it? Its unfortunate that your ( XXXX ) refusal to simply address my concerns at the outset has gotten us into this situation but hopefully at some point you will take some ownership and help to get us back on the right track. As you can see ( and as I can show ), I have exemplary payment history and ALL of my bills are paid in full and on time. Of the more than XXXX revolving personal monthly accounts that I have, yours is the only XXXX with continued discrepancy.
Product: Checking or savings account

Requested directly to Office of the Chairman to remove me from overdraft service which is a cost of XXXX XXXX/year plus transaction fees. I could not locate where this can be done on line. My account was still charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Addresses and names i have disputed with experian severial times and they always say we dont know what your dispute is about or the information is accuate when i never lived at these addresses. i have documentation from the 2 bereus stating they removed the addresses but experian refuses to do so. 
1. XXXX XXXX i never used this name i always go by my full name or my name with my middle initial XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX never held this XXXX XXXX  XXXX XXXX XXXX, XXXX CA XXXX never lived at this address XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX  CA XXXX never lived here XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Never Lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Never lived at this address XXXX XXXX XXXX XXXX XXXX, CA XXXX Never Lived at this address All of the above information is inaccurate and i have submitted online and through mail and i get the same result, nothing gets removed or it gets removed for a moment and then they put it back onto my report without notifying me within 5 days of doing this which is a violation of the FCRA. all of the other beurus has removed this information.
Product: Mortgage

Our property is in the footprint of the XXXX XXXX and suffered some infrastructure damage. Our insurance company has been issuing claim payment to us and our lender so we need to send the payments to our lender to sign and forward to us. The last 2 checks of {$150000.00} and {$44000.00} have been held by the lender since XX/XX/XXXX. I have been requesting release of our funds. {$130000.00} of these funds is allocated to personal property and cabins/sheds built with cash after the mortgage was taken out and they will not even release those funds. I have requested an inspection to show the rehabing we have been doing on XX/XX/XXXX and still have not heard anything back from them. The lender said if we got an AS IS appraisal they would use that to justify releasing our funds. We completed that and they received it on XX/XX/XXXX. Our loan is for {$360000.00} abd the property appraised for {$850000.00} even in the current state of disrepair. They still have not released my funds and state someone in compliance has to make an approval. They have said this since XX/XX/XXXX. My sister is a lender and recommended I ask for your assistance. We will be receiving additional claims funds from our insurance company and expect this to keep happening.
Product: Credit reporting or other personal consumer reports

There are numerous hard inquiries that I did not authorize on my Experian Credit Report. These fraudulent inquiries include : XXXX XXXX XXXX XXXX 
Please remove them asap.
Product: Consumer Loan

Needed a replacement title for a XXXX Ford Taurus. Did not know had lien from BB & T and paid agreed amount on XXXX/XXXX/XXXX. Was informed 7-10 business days to get title..Went back to BB & t on XX/XX/XXXX and found out out was n't posted until XX/XX/XXXX and would be another 7-10 days. on XX/XX/XXXX inquired again of status an informed title on its way. Went to branch on XX/XX/XXXX and was informed by corporate headquarters it it was just being released today and another 7-10 business day and once whatever that department that is will go to another department and another 7-10 days. Its looking like XX/XX/XXXX now until I receive title and I wonder if that 's true until I go into the branch again. They 'll tell me again XX/XX/XXXX business days. Very frustrating and punishing
Product: Payday loan, title loan, or personal loan

XXXX XXXX, 2017 {$600.00}. I applied for a Payday Loan for {$600.00}. I did n't realize the interest rate until afterwards and saw how much I had to pay back. I called to get some clarification and was told my payments go to interest first then principal so I would be paying back a little of {$2000.00} just for the {$600.00} I borrowed. I asked how to avoid this and was told I could n't. I had an emergency when I borrowed the money but I live off of XXXX payments and ca n't afford these high interest payments. Nothing I pay back seems to go to the principal amount.
Product: Debt collection

CAPITAL ONE AUTO FINANCEHAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION.

I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT.

IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.
Product: Debt collection

I have been trying to arrive at a resolution with this company about this debt I have with them. They are a collection agency collecting for an apartment company that I highly disagree with the exaggerated dollar amount they are inflating and claim is rightfully owed. This is one of the more difficult problems I have faced as these companies inflate the debt with bogus charges and have no oversight or supervision from regulatory agencies so a small debt can turn exponentially large without merit, but also without recourse to fight it. Therefore I have been trying to negotiate a settlement with this company but there refusal to cooperate or provide me with a reasonable way out is extremely discouraging, unfair and abusive. Therefore I am imploring the CFPB to investigate the validity of these bogus inflated charges against me and as a whole audit the aggressive collection tactics deployed by IQ Data.
Product: Vehicle loan or lease

Infiniti Financial Services is charging late fees during covid and although they were advised we sought help during this difficult time. Good paying customer but things are tough and they advertise live chat but it does not work. Telephone customer service also unhelpful.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

- Chapter 7 Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to EQUIFAX for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. 

I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 I closed my checking account with Bank of America - He had me get 2 cashier checks for {$4000.00} he told me to separate the top part from the bottom & put them in different places in case the checks were stolen. He said if they were stolen that I could get them cashed with the check stubs. 

That night I left them in my pant pockets when I went to bed. In the morning they were missing - the only objects stolen in my apartment. 

Now they won't put a stop payment on the checks or honor the debt
Product: Money transfer, virtual currency, or money service

My PayPal account was permanently limited for XXXX days with XXXX ID : XXXX. I was told I'll receive an email about withdrawing the funds in my account after the XXXX  days wait period. I waited XXXX  days and got no email or notification. 

I knew it's gone past XXXX days, so I tried to login to my account and withdraw my money but they won't let me add my bank account to initiate the withdrawal. I tried to contact them via their phone lines during business hours but I was kept on the line for XXXX hours XXXX : minutes XXXX seconds without getting to speak with a real person. The call was disconnected by them and wasn't returned. 

I have tried to contact them on XXXX and XXXX as well but no valid response regarding this issue. The email linked to my PayPal account was hacked yesterday, i tried to update this on their site but they wouldn't let me do that. 

All I want is the total money in the account XXXX {$110.00} XXXX withdrawn to my bank account. The paypal account emaill is : XXXX XXXX
Product: Credit card or prepaid card

due to the XXXX data breach I have been a victim of identity theft and also. my identity was stolen during a break in one of the company 's I'm having issues with is Capitol One it was opened XX/XX/2022 for the amount of {$1000.00} I have complained to. the company and the FTC and they refuse to remove this account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Demand for Immediate Removal of Unauthorized Account and Compensation for Violations Dear XXXX XXXX XXXX, I am writing to formally dispute the account ending in XXXX, which you have fraudulently acquired and reported under my name. I did not give consent for my information to be bought, sold, or used by your company, and you have no contract with me that bears my wet-ink signature to validate your claims.

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), you are required to provide verification of any alleged debt, including a signed contract between myself and the original creditor. If you have purchased this debt, I demand that you provide : 1. Proof of the buyout contract from the original creditor, including the amount you paid for the account.

2. The original contract that contains my wet-ink signature proving I agreed to this debt.

Additionally, your unauthorized acquisition and use of my personal information without consent violate federal identity theft protections. I have already submitted an Identity Theft Report with the Federal Trade Commission ( FTC ) ( Report No. XXXX ), and this matter is being documented for legal action. 

Per the FCRA, you are now required to : Immediately delete this account from all credit reporting agencies. 
Cease all collection activities related to this account. 

Failure to comply will result in legal action, as your violations have caused me emotional distress and financial harm. I am demanding {$1000.00} for statutory damages under the FDCPA and an additional {$5000.00} for emotional distress, payable to XXXX XXXX XXXX at the address provided above.

This letter serves as official notice under 15 U.S.C. 1692c ( c ) that you must cease all communications with me regarding this matter unless providing written proof as requested.

Please respond within 15 days of receiving this letter. If you fail to comply, I will pursue legal action and report your violations to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Sincerely, XXXX XXXX XXXX