23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I 'm filing a new complaint because previous complaint ( XXXX ) was closed ( I failed to timely dispute the last response from the mortgage company which I overlooked ). 
My mortgage company approached me about refinancing my home loan for Texas property. We went through the entire process of assembling the paperwork, appraisal ( & gt ; 3 times the loan value ), credit research ( excellent credit ), perfect payment history on existing loan, etc. The property had to be considered investment property because, though I 've owned it since XXXX, lived there until XXXX, still have utilities in my name, my family still lives there and it 's the only property I own, I live XXXX miles away managing multi-family property owner by a family XXXX and my Texas Driver 's License has that address. ( I informed them of these facts at the onset of the loan consideration. ) They said I would have to give up my homestead exemption, which I reluctantly did since the lower payments would enable me to pay the higher taxes. No sooner had I done that when they then said I could n't refinance the loan because I did n't have a homestead exemption on the property XXXX miles away that is in no way connected to this loan. 
I was given the following options : 1 ) Change all my driver 's license and other records back to the loan property address ( which would be lying and virtually impossible to do ) ; 2 ) Declare the property as a XXXX home and, since no one can live there but me, kick my family out on the street ; or XXXX ) Have the multi-family residence owned by an XXXX deeded to me alone and get a homestead exemption there. 
In response to my previous CFPB complaint the company submitted a boilerplate response that they had received the complaint. They later submitted a final response dated XXXX/XXXX/XXXX which I accidentally overlooked and failed to dispute. I do take issue with their explanation in the XXXX paragraph of that letter ( attached ) regarding what I was told and the sequence of events and it failed to answer the key question. The letter claimed " this particular guideline is in place to remain compliant with Texas state law regarding 'cashout ' or Texas home equity loans. " I DO somewhat understand the part about giving up the homestead exemption on the loan property though I believe Texas should allow a person to keep a single longstanding homestead exemption on the only property they own even though they are not currently living there. I do NOT understand why the underwriters would care about my having a homestead exemption on OTHER property that is not involved in an investment loan. Are we to believe that, under Texas law, investment loans can not be refinanced unless the borrower has a homestead exemption wherever they currently live, a circumstance that must be very common? 
I submitted a request to have my homestead exemption reinstated and was denied. Since I 've now lost the homestead exemption on the loan property, and the property is appraised at a higher value, my tax payments for this year have risen over 10 % and I 'm left without the refinance to enable payment of those higher taxes.
Product: Checking or savings account

XXXXXXXX XXXX XXXX will not provide me with any information about my trust account. Documents were forged and a separate EIN number was used. You can contact them or XXXX XXXX last name XXXX XXXX family has some involvement. 
Wells Fargo I believe there's an investment account there that I can not access. As well as a few account in the XXXX XXXX. Any advice or resolution would bee greatly appreciated.
Product: Vehicle loan or lease

My husband XXXX XXXX passed away in XX/XX/2011 by XXXX in front of me and our kids in my home. I gained all his belongings as he passed. I contacted Wells Fargo about his passing. Wells Fargo allowed me to make payments on time for a year. XXXX dollars a month. The sent someone to do a volunteering repossession. I contacted Wells Fargo and asked why they took my money for a year and now repossession. They said well you drove it. That was the last vehicle my husband was in before he passed. The stole my money and my last real piece of my husband. I want all my money back and pain and suffering. This company is robbing widows.
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX I entered into a loan contract for the amount of XXXX at the local cash store branch when I got to the bank to deposit the teller and myself noticed that XXXX $ dollars was missing out of the envelope with the loan papers. so i went back to complain and the office employee became very nasty indeed.so I called the corporate office and on XX/XX/XXXX they sent me a letter stating that I would be reimbursed for the missing money.as of todays date XXXX XX/XX/XXXX no one from the cash store has gave me one penny for the missing money .I am having to pay interest and fees on money I never received from this loan. that is not fair. every month when I go to make payment all the employees are all new in the office due to a high turnover rate and have no clue what I am talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/NELNET - XXXXI did not open any student loan account nor authorize anyone to open any student loan accounts for me. I am a victim of fraud and this account needs to be deleted from my credit reporting. I never attended any educational institution during the time this fraudulent account was opened US DEPT. OF EDCUATION - XXXXI did not open any student loan account nor authorize anyone to open any student loan accounts for me. I am a victim of fraud and this account needs to be deleted from my credit reporting. I never attended any educational institution during the time this fraudulent account was opened
Product: Credit card or prepaid card

On XX/XX/XXXX I received my CapitalOne credit card statement with a XXXX XXXX of {$4600.00} due on XX/XX/XXXX. I forgot to make the payment on XX/XX/XXXX and instead the payment of {$4600.00} was made and posted to the account on XX/XX/XXXX. At the same time I called CapitalOne to apologize for the late payment and to request that they waive the late payment penalty and any interest charges which they agreed and posted a credit of {$38.00} and {$66.00}. At this point I thought everything was resolved. I always pay the balance in full and rarely make a late payment. 

On XX/XX/XXXX I received my CapitalOne credit card statement with a New Balance of {$11000.00} due on XX/XX/XXXX. I made the payment on XX/XX/XXXX in full and it posted to the account on XX/XX/XXXX. However, I was surprised to learn that there were additional interest charges to the account in the amount of {$72.00}. I called CapitalOne to complain and they refused to remove the charges. CapitalOne pointed out that on the back of the statement in fine print, under How Is The Interest Charge Determined, it says, " You may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the prior month. Once you start accruing Interest Charges, you generally must pay your New Balance in full two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. '' This is a misleading statement, the " may '' should be replace with " will '' and the " generally '' should be removed. It should ready " You will owe Interest Charges ... '' and " ... you must pay your New Balance in full two ... '' Under the previous section, How Can I Avoid Paying Interest Charges?, CapitalOne never states how to avoid this situation. It reads, " If you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, we will charge interest on the unpaid balance. '' We paid the New Balance in full ( two days late ) and we were still charged interest on new balances. 

If we had known that CapitalOne was going to charge interest on new purchases we would not have used the credit card during that billing period in order to avoid paying interest. CapitalOne should have disclosed this under the section, How Can I Avoid Paying Interest Charges? 

We have asked CapitalOne to credit the interest charge and they have refused. In fact, their representatives are so poorly informed that they could not even tell us if we would continue to have interest charges applied if we pay the New Balance this month and so we have made a payment in excess of the New Balance.
Product: Checking or savings account

I'm being asked and threatened by USAA to answer personal questions and I whole heartedly disagree with having to reveal information like net worth, I feel that's 100 % just for marketing reasons but yet they're threatening revoking access to my accounts ... I haven't had a single other bank ask these questions and I feel USAA is going too far to collect information they don't need and will only abuse.
Product: Debt collection

Comenity Bank has and still has a system breakdown where myself and hundreds if not thousands of consumers can not access their accounts to pay or use their credit cards. 
Comenity Bank will not take responsibility for this and now has passed off to collection agency after ruining my credit. I am part of a class action law suit and am waiting for settlement as per my lawyer. I, along with hundreds if not thousands are suing Comenity Bank for ruining our credit. Comenity Bank 's irresponsible actions have caused me to lose the ability to lease space to teach my classes and have impacted my ability to earn income as well as renting and purchasing a home by decreasing my credit score from good to fair to poor all their fault. I will counter sue Comenuty and credit collection for this. I have months of proof with broken links sent by Comenity bank and proof that I could not access my account and associates who could not access or find my account. I have a stellar payment history with all my credit and Commenty up until XXXX when their system was compromised.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX the last XXXX of my ssn is XXXX. My date of birth is XXXX XXXX XXXXXX/XX/year>. This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that TransUnion, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Credit inquirys not done by me 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 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
Product: Credit card

Afirm ; The company declines my purchases, yet says I have credit. They declined due to " we can not verify my identity '', yet they then follow up with an email saying it is fixed and my identity has been verified. I have called and spent 10 hours on the phone and many emails. Still the same result and they just apologize and say they will escalate it. Yet still the same result.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently made a complaint about XXXX and Transunion regarding a bankruptcy on my report. I reached out to them via telephone and was only able to speak to a representative at Transunion ; XXXX request that you leave a message and someone will call you back and I have yet to hear from anyone. I questioned the representative with Transunion asking the name and credibility of the third party company that verifies bankruptcies per consumer. Transunion put me on hold and he came back and said he couldn't answer and will make a request for this to be removed. I have yet to see any changes. My report from both agencies are contradictory ; the filing dates do not match and one report says I filed chapter XXXX and XXXX bankruptcy. The status dates have not been updated showing that an investigation was done. I'm attaching snippets of my current credit report effectiveXX/XX/2018 that clearly shows the contradictions.
Product: Checking or savings account

I need the Consumer protection board to intervene with Citibank. 

On XX/XX/XXXX, Citibank clawed back funds from my checking account for a check I deposited In XXXX of XXXX for the amount of {$2000.00}. Citibank also identified 3 more checks of {$2000.00} that were deposited last year they now consider suspect. They plan to return these additional checks to the drawer as soon as my account is funded. The bank did not supply me any explanation as to why they are returning the funds to the drawer after 5 months or why the checks are suspect. 

Because Citibank is debiting my account these large amounts, My ACCOUNT IS NOW OVERDRAWN AND MY MONTHLY BILLS ARE NOT GETTING PAID. 
Citibank is taking XXXX of XXXX from my account and refusing to explain why. 
For several weeks I have been contacting Citibank in order for them to verify why these checks were returned. I have spoken to Citibank customer service. I have spoken to supervisors in customer service. During this time, I have been told repeatedly that an explanation for why the checks were returned would be forthcoming. This has not happened. Despite being promised that an e-mail explaining why these checks are being returned would be sent to me, no e-mail has been received and no explanation for the checks being returned has been supplied. I need a document to provide to my attorneys, explaining why Citibank started returning these deposits that were made and credited to my account 5 months ago. 
I received 2 vague documents from Citibank with check images and a separate letter stating check # was inadvertently deposited on XX/XX/XXXX. There is no explanation of what inadvertently deposited means. Furthermore, the checks were not in inadvertently deposited they were deposited at the instruction of a branch manager in XXXX XXXX, NJ. 
Citibank has now stated that a number of other checks were inadvertently deposited. There is no explanation for what inadvertently deposited means and it appears they intend to take {$10000.00} from my account with no clear explanation as to why. 
The explanation and documentation I need that describes why my bank account was debited has not been forthcoming although it was promised several times. I am entitled by law to an explanation from them and was promised has been stonewalled by Citibank. 
Instead of providing me the document I have been demanding daily and for last 2 weeks, Citibank is now calling me to collect more funds and return them to the drawer.
Product: Debt collection

I am a victim of identity theft. MY Bank of America account # XXXX is not mine. It is only reporting on XXXX credit bureau. I have attached. a copy of the documents I sent to XXXX and they have yet to fix the issue. I need assistance ASAP please so I can refinance my home. Thank you in advance for your help. 


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

Hello I've been contacting credit bureaus XXXX and TransUnion to get this XXXX XXXX XXXX record off of my credit report the balance is paid off and the company stated they will inform the credit bureaus to remove it but the only one that has removed it is XXXX. TransUnion and XXXX stated they would remove it but has not done so yet and it's been over a month now I spoke with them in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank Loan claims XX/XX/XXXX- XX/XX/XXXX that the account was not current. It was indeed current. Attempts to make contact have been met with hassle, run around, inaccessible email accounts, and limited contact information. I filed a dispute with credit reporting companies in a limited capacity. As they do not allow me to dispute issues within those date ranges for a reason that is not explained or articulated in any way whatsoever. 

US Bank dishonestly misrepresented themselves previously during refinancing after a COVID forbearance reorganization of the mortgage. Claiming they did not receive documents that I provided receipts of them receiving. After I filed an FTC claim on that issue they recended their claim and corrected the problem with an apology. 

The ability to contact anyone or resolve this issue is time-consuming, confusing, and misguiding and is not even available to dispute through at least one credit reporting agency. 

I simply desire the errors to be corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently had some old files deleted off my credit report which in turn, boosted my credit score. My credit score was nearing a XXXX score minimum. I was shopping for a car and had several inquiries pulled. I also filed for XXXX XXXX, to save my home. All three credit bureaus dropped my scores at least XXXX points. It seems as though when my scores are heading upwards for my credit betterment, the bureaus deliberately drop my scores XXXX or more points. I believe as an XXXX XXXX, I am being unfairly targeted to keep me in a poor credit status. Credit inquiries when car shopping should not have affected me so drastically. My score had dropped so low, which in turn will take a year or more just to rebuild it. These practices are unfair and unjust.
Product: Credit reporting or other personal consumer reports

XXXX Date CFPB received the complaint XX/XX/year>2024 Consumers state IL Consumers zip XXXX Submitted via Web Did consumer dispute the response? 
N/A Product Credit reporting or other personal consumer reports Sub-product : Credit reporting Issue Incorrect information on your report Sub-issue : Information is missing that should be on the report Consumer consent to publish narrative Consent provided Consumer complaint narrative Im very devastated that i have paid off a { {$23000.00} } dollar car loan with only 7 % left to pay and NOT XXXX credit burial has given me any points on my credit report. XXXX has never given me any credit points for a 100 % flawless car payment. and Experien and XXXX has never even reported it on my credit file. it's like im the most XXXX at XXXX because everyone get points for having 100 % payment history and i did not receive any score points or boost I want the XXXX points i should have that i have paid off this loan up to 7 % please treat me fair and considering i just beat XXXX XXXX XXXX XXXX and i still never missed a car payment and never been late. I have checked around and i know i should have XXXX points for this
Product: Debt collection

I.C. SYSTEM.INC I looked at my account and i realized this didnt believe to me. so i called and write them, no response
Product: Mortgage

We signed a one time close construction-perm loan with Fulton Bank in XXXX XXXX XXXX VA in XX/XX/2021. Our builder requested draws and the bank paid correctly. The first few months we received statements. In the past 6-9 months we have not received statements. We have contacted XXXX XXXX and XXXX XXXX multiple times by email. They have refused to send statements. We are supposed to pay interest only payments monthly. I have simply guessed at the amount but don't know how it is being applied. I have asked for a statement showing how my payments are being applied but this has also been ignored by XXXX and XXXX. We closed and moved into our home 2 months ago and still have been able to finalize with the bank. The bank keeps saying " next week ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've mailed multiple letters out demanding the inaccurate information on my credit report be fixed. Experian has negated to acknowledge I am submitting these complaints. I have supplied appropriate proof of identity to show it is me ( XXXX XXXX ) submitting these complaints. Experian 's automated message is a disgrace and they are not taking the time to make sure the consumer complaint is being handled the right way. XXXX  and XXXX  have failed to produce results from their investigation. The items mentioned in the letters attached need to be deleted and I need to be provided the updated credit report showing they are removed.