23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There was a problem with the closing on our refinance mortgage from Quicken Loans. We were set to close in XXXX -- we received the closing documents from Quicken Loans -- and we had the closing documents notarized on the appointed day by the notary and they were given to the title company. 

After that, we waited about 3 weeks but the lender did not reply to us. Finally I got some kind of e-mail from the title company saying the loan had been rescinded and I contacted the lender, Quicken Loans to find out what was going on.. 

Initially it was very hard to get anyone to help us and explain why this happened and how to fix the situation since each department is very specialized and each department in turn told us they didn't deal with a loan that had been interrupted or rejected. 

Finally the post closing department at Quicken Loans told us by phone and e-mail that our loan had been stopped because the paperwork ( which was done by Quicken Loans itself and which they gave to us to sign by the notary during the closing ) was done incorrectly -- that is to say the figures were calculated incorrectly. In addition, we saw the dates were wrong. 

They said that the whole loan would have to be re-done and it had been sent back to the underwriters. They didn't know how long it would take and there was no way for us to communicate with the underwriters because they don't have any contact with the public. 

So, we waited a month or so, and then Quicken Loans finally got back to us in XXXX and said the loan was now re-written and could go forward but that we needed to have a new appraisal for the house and a new notarization. 

However, this time the appraisal didn't go through. The problem was that we were converting our garage to an XXXX and the construction was in progress. The appraiser said that we needed to have an open garage space to pass the inspection, so we tore down whatever walls we had built internally in order to satisfy the appraiser. She came again and said that we needed to show that a car could drive into the space, so we tore down the wall over the garage door and took off the garage doors. Next she came and told us that the yet to be installed electrical wires that were hanging down from the ceiling for the construction needed to be removed because they were considered a safety hazard. We also had those removed. 

At this point we are awaiting another visit from the appraiser. We hope it will pass this time. 

Thank you
Product: Debt collection

I bought a vehicle from a dealer in XXXX NY, AND they give me a New jersey, plate which was a fake license plate, and l got arrested, And they had no explanation for me, So i tell them i will like to return the vehicle, which I did, Come to find out they were some scam dealers
Product: Debt collection

I recently tried to pay off debt. I got in contact with Law Offices of Marvin S. C. Dang, LLLC whom bought my debt. They refused to mail me my current debt amount and requested a different amount citing processing fees.
Product: Debt collection

APPLIED HAS SPECIAL ARRANGEMENTS WITH EXPERIAN AND IS BIAS IN VIOLATION OF ALL CONSUMER RIGHTS VIOLATORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am disputing information on the following accounts : 1. ) XXXX XXXX XXXX XXXX XXXX  - - A. ) Account history says " 90 days past due as of XXXX XXXX XXXX', but there's no " 90 days past due '' payment data in the Account history chart. - - Please correct this error or delete the whole account. 
______________________________________________ ______________________________________________ XXXX. ) XXXX XXXX XXXX XXXX XXXX  - - A. ) Account history payment data is XXXX  for XX/XX/XXXX through XX/XX/XXXX. Please supply this information or delete the whole account. 
______________________________________________ ______________________________________________ XXXX. ) XXXX XXXX XXXX XXXX XXXX - - A. ) Account history shows " 150 days past due as of XXXX XXXX XXXX XXXX '' How can both be true? You can't be 150 days late consecutively from XX/XX/XXXX to XXXX XXXX This isn't possible. Please correct this data or delete the whole account. 
B. ) 'Payment history Data ' is XXXX for XXXX XXXX  to XX/XX/XXXX. Please supply this data or delete the whole account. 
______________________________________________ ______________________________________________ XXXX. ) XXXX XXXX XXXX XXXX  - - A. ) Payment history chart shows : XXXX XXXX  - 60 days late | XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX 90 days late | XXXX XXXX  - 150 days late - - there is MISSING payment data, and how do you go from 90 days to 150 days from XX/XX/XXXX to XX/XX/XXXX? This isn't possible. Please either supply the correct information or delete the whole account. 
B. ) There's also NO Payment DATA for XXXX XXXX and XXXX XXXX Please supply this information or delete the whole account.

______________________________________________ ______________________________________________ 5. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - A. ) You have {$6900.00} written off and {$6900.00} past due. Which one is it? They both can't be true. Please correct this information or delete the whole account. 
B. ) Account history shows XXXX XXXX XXXX XXXX  are 150 days late ( consecutively )?? How is this possible? You can't be 150 days late from XXXX XXXX XXXX. It doesn't make sense. Please correct these errors or delete the whole account. 

**I 've attached screenshots of my Experian credit report for review**
Product: Mortgage

I received a call from XXXX XXXX Bank ( subsequent firms post Mergers & Acquisition activity ) in response to COMPLAINT ID XXXX Consumer Financial Protection Bureau. 


The Consumer Financial Protection Bureau doesn't understand the problem. 


I am NJ XXXX XXXX. 

Chase Manhattan Bank ( and subsequent firms post Mergers & Acquisition activity ) allowed the dismissal of the debt. 


The US Courts changed the bank. According to the US Courts who sent my foreclosure to XXXX 's Sale, the bank is now a firm owned by The XXXX XXXX XXXX. 

The US Courts decided who my bank was. So, the call by Chase Manhattan Bank ( and subsequent firms post M & A activity ) was pointless. 


The US Courts have ignored the federal banking regulator and are dictating to property owners who the bank will be. 

During the entire foreclosure legal matter, the only ruling that was done was the change of bank. 


The US courts didn't provide a motion to foreclosure or a motion for final judgment until after the Writ of Execution was submitted for the property. 

My bank was Washington Mutual Bank. The FDIC closed the bank. The US Courts ruled Chase Manhattan Bank ( and subsequent banks post Mergers and Acquisitions ) was no longer my bank. A firm owned by The XXXX XXXX XXXX was now my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the recent XXXX breach, it was strongly recommended that I participate in their 1 year credit protection through a 3rd party. In addition, I wanted to freeze information at other agencies : XXXX  Experian, etc. I was rudely surprised to find out that I would have to pay a fee to have this done. 
I did not solicit any interactions with these companies ; I did not ask them to track all of my purchases, credit history, etc. Why do I have to pay to have them stop monitoring me? 
I do not want or need any of their services, yet I am supposed to pay to NOT do business with them? Extortion?
Product: Money transfer, virtual currency, or money service

VENMO has restricted my account saying there was suspicious activity on my account and not telling me what that activity was. Its been over a week and I need the funds to pay bills. I am know getting late fees and they still have not allowed me access to my money.
Product: Mortgage

Mortgage servicing company has been charging PMI and it does not show on the statements or tax forms. The value of the house have increased 28 % ; yet they have refused to remove PMI premiums from
Product: Money transfer, virtual currency, or money service

I bought a money order to pay my rent that was lost. I had to cancel it. They told me that they will reimburse me for 30 to 45 days. More than two months have passed and I still have no response from the company.
Product: Checking or savings account

On about XX/XX/2019 I opened two custodial accounts for my daughters ( minors ) with two checks from their great aunt dated XX/XX/2019. The checks were drawn on XXXX XXXX for {$15000.00} each which intentionally is the annual exclusion amount for 2019 as this was part of her estate planning. 
While both checks cleared from XXXX XXXX, Chase Bank decided that one of them was fraudulent, closed the account without notifying me, and I've been fighting with them for four months to get my daughter 's money back from them. It is currently held by them and was not returned to XXXX. 
Originally they asked that the donor call them but she was in failing health in a nursing home so we sent them the authorization from her Power of Attorney which they said would work. The donor XXXX in XXXX and now they want the executor to drive several hours from his home in XXXX to a chase bank in Ohio to prove he is executor and indicate the check is not fraudulent. I believe any reasonable person would find this unacceptable. 
Facts around the issue and expectation : The check cleared the XXXX XXXX account in XXXX of 2019 as did several others for the same amount and this is the only one with a problem. Chase had two accounts opened and funded by the same XXXX account, signed by the same holder, on the same day and neither one was returned by XXXX. Both checks were for the unified annual exclusion amount of {$15000.00}. At some point common sense should indicate their flagging this check as fraudulent was in error and they should give my daughter back her money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again this complaint to EXPERIAN I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact these accounts are totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Debt collection

I recently wrote UNITED COLLECTION SERVICE a letter asking them to verify the debts that they keep under my name. According to FCRA they are required to validate any debt. Not to mention, withholding any information they received from any medical provider in attempt to HIPPA complaint can be a violation of the FDCPA. I have requsted full documentation of what they have to verify this/these accounts. There is no signed documentation that they sent me stating that I have a binding, contractual commitment with UNITED COLLECTION SERVICE. According to FCRA any company is REQUIRED to provide a method of verification which should consist of the actual and original signature of the individual they are contacting.
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these inquiries effective immediately.
Product: Credit card or prepaid card

On Thursday XX/XX/2022, I was informed by Discover Card by email, that my account was frozen. There was no other information or explanation given for the closing other than it was a business decision. I called the phone number given to me on email and I waited 2 hours for someone in security and never spoke to anyone. I called back later and was given no more information. I demanded to speak to a supervisor and was told I must wait 24 to 48 hours for a callback. It has been 24 hours and no callback. I have a company and all my funds are in that account.I was told It would take 60 days before I would have access to those funds. THIS IS UNACCEPTABLE! I have no access to that account, the statements, the transactions and no explanation as to why.

Please contact me ASAP
Product: Checking or savings account

In XXXX of XXXX  my ID was stolen and several accounts were opened in my name. TD Bank was XXXX of those accounts. I requested that the account be closed and that all information be forwarded to the police XXXX in charge of the investigation. After the XXXX did not receive the information I filed a formal FCRA 609 ( e ) request that was also ignored by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a request to dispute the bankruptcy that is currently under investigation. The say that they verified with XXXX XXXX that this bankruptcy is accurate. this is not possible for two reasons : 1 ) the bankruptcy courts dont share info with credit agencies, and 2 ) there is a freeze on my XXXX XXXX account, so they dont have access to any info on there. I would like them to furnish the written response from XXXX XXXX or remove this from my credit report as per section 609 of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. 
after number of request by me Experian it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA N and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX   and CAPITAL ONE BANK USA N and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I was sued without my written consent and no knowledge of this alleged debt that the third party debt collection agency MENDELSON LAW FIRM claimed I owed. MENDELSON LAW FIRM has failed to send validation of debt and committed identity theft because I never gave written consent for them to use my social security number which is a federal crime/ fraud under the social security act. Attorney 's XXXX XXXX, XXXX XXXX, and XXXX XXXX are not obeying the FAIR DEBT COLLECTION PRACTICES ACT laws as well violating many more federal violations.
Product: Debt collection

I did not know I owed the debt I have insurance and met my deductible and out of pocket. I never received a bill from the original creditor or from the debt collector never received a bill or notice from the debt collector and they started reporting it on my credit as of XX/XX/2019 in which dropped myscore 56 points!!! How can they report without notifying me first.
Product: Credit card or prepaid card

To whom it may concern : I have a Best Buy Credit Card. I make my payments on time, no payments have been declined from my bank, and never had a late payment. However, Best Buy continues to hold my payments affecting my available credit. I reached out ( Beginning and middle of XXXX ) and they state because of the abnormal amount of the payments. That is not true. I make payments that range from {$1000.00} to {$3000.00} usually weekly or every other week. They said they took care of it, but they continue to hold my payments without any valid reason. They said they freed up the funds, but had to hold the payment to make sure everything is okay. I believe this is unethical. They have no grounds to hold my payments each time a payment is made. Hence... this is unethical! I use this card to grocery shop, gas purchases, pay bills, and other purchases. Holding my payment limits my ability to pay with my card. And ... There is no reason for this action! They stated that I need to call each time I think the payment is being held so they can call my bank to confirm the funds. However, I do not have time to do this with every payment. 

To further validate this concern, I stopped using it to show that even though no purchases were being done, the available credit was not changing despite the numerous payments. 
I stopped making purchases to show that there were no pending charges yet the payments were not being applied to my available credit. AGAIN..No late payments, No bank declined payments, No derogatory actions to result in holding my payments. 

In addition, I did XXXX price matches and they state that I will be refunded my rewards ( {$50.00} & {$40.00} ), but after several weeks, XXXX chat messages, and XXXX phone call - nothing has reflected. Again, if I had paid with my credit card, the refund would have gone here, but they have not refunded the rewards I paid with. These were earned with purchases. 

Please address both of these because, despite my efforts with several phone calls and chats, nothing is being done. 

The last representative said she is filing a complaint to get this resolved.
Product: Vehicle loan or lease

I had an account with Ally Financial on a vehicle that was totalled. I received an email on XX/XX/XXXX congratulating me on the car being paid off. XX/XX/XXXX I received a letter stating that I still owed {$1800.00} on the vehicle. On XX/XX/XXXX, I received a letter stating the vehicle was paid off. I have been attempting to work with Ally to resolve this issue and get this account cleared, but they have refused to help me and claim that they never sent the payoff letter or email. I see on my payment history where the payoff was made and reversed the same day. I finally received a call from their corporate office over a month later and they acknowledge that they sent the letter and would get back to me. They still haven't gotten back with me and won't answer when I try to call. Now their refusal to resolve this issue is possibly going to cost me my house loan for my family.
Product: Credit reporting or other personal consumer reports

For the past year I have been going back and forth with equifax and XXXX over the inquiries on my credit report. Unlike experian, both equifax and XXXX  dont allow dispute of inquiries online, you have to call or dispute by mail. I have done both, several times over the past year. I have called multiple times to dispute these inquiries with both companies over the phone. My dispute was taken and I was told to mail in a written dispute in addition. I did this with both XXXX and equifax. I was told by equifax that it was never received and to mail it in again and I did, I have not heard anything from them since. I was told by XXXX that I sent it to the wrong address and I mailed it again to the address the representative gave me. XXXX this day almost a year later I have not heard anything from either of these companies nor had any result from my dispute. However, XXXX has addressed and removed all the inaccurate inquiries from my report. I have only XXXX inquiries on XXXX as to having XXXX and XXXX on XXXX and equifax respectively. If XXXX removed theses same inquiries there is no reason the other 2 credit agencies have not done the same. I have also made these companies aware that I was a victim of identity theft. Further all 3 companies XXXX, XXXX, and equifax have inquiries on my report that are over 2 years old and should have been removed already.These inquiries include the following and pictures are included as proof : Inquiries are not mine and have no knowledge of and are unauthorized by me for both companies : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF ID THEFT ; I AM WRITING TO DISPUTE THE FOLLOWING ITEMS XXXXXXXX XXXX XXXX XXXX ( {$8700.00} ) XXXX XXXX XXXX {$930.00} ) XXXX XXXX XXXX XX/XX/XXXX ( {$11000.00} ) XXXX XXXX XX/XX/XXXX ( {$400.00} )
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

DID NOT RECIVE ANY SERVICE FROM THIS COMPANY. I WAS LIVING IN SHELTER AT THAT TIME.