23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I originally refinanced with American Internet Mortgage Inc. towards the end of XXXX. The appraisal I got at that time was {$240000.00}, which will be relevant for later. 

Since that time, my issues have compounded throughout my experience with American Internet Mortgage Inc.

Last year ( XXXX ) I went through the refinance process again with this company to get a lower rate. My loan officer very unfortunately got XXXX and never followed up and the refinance did not close. 

I later followed up and tried to refinance again ( early XXXX at this point ). Towards the end of that process, I posed the hypothetical question of " if I wanted to rent my apartment in the first year of the mortgage, is that something the company is usually willing to sign off on? '' This was due to my wife becoming pregnant and wanting to explore the possibility of moving into a larger unit. I got a call back ( after I had wired the money to fund and after the loan close date ) saying they weren't going to go through with my refinance ... How is that even possible if the loan was supposed to have already been closed ...? This is not to mention that had my initial refinance in XXXX closed, I would have already been coming up on a year in my unit, and this would not have been an issue. 

Fast-forward to today and I am trying to cancel my PMI. During my refinance process, I received an appraisal of {$270000.00}. The appraisal on my initial mortgage issued through American Internet Mortgage Inc. was for {$240000.00}. Despite the company telling me the appraisal lasted up to 1 year for refinances, they are telling me that the appraisal only lasts 90-120 days ( I forget which one ) for determining value to remove PMI. They are trying to force me to pay to have it appraised, yet again, in order to determine that the property is still worth no less than {$240000.00}. I would have to pay my mortgage down to 78 % of the {$240000.00} despite receiving an appraisal of {$270000.00} from the same company ( and literally the same appraiser ) less than a year ago. 

This issue is further exacerbated by the fact that they tell me that the department that deals with PMI within their company is not consumer facing, so I can not debate this fact with the very people who are supposed to be making the decision. I am told that I need to speak with customer service, who just repeats the same script over and over again and has left me on hold for upwards of half an hour at a time. 

I have been thrown through hoops by this company and every single thing they have done to me is immoral and I question its legality.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax reports include the following address that are not related to me : XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ; and XXXX. XXXX XXXX XXXX XXXX, XXXX GA XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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: Money transfer, virtual currency, or money service

My IRS refund was sent to a wrong Chase account by a software error on XXXX XXXX. This Chase account is 17 digits long, and I have been told by Chase customer service representatives and by my local bank manager that this account is not owned by anyone. The refund of XXXX XXXX XXXX  dollars was sent and deposited into this account on XX/XX/XXXX. On XX/XX/XXXX I called the IRS to find my refund and discovered it was sent to the wrong Chase account and that it was deposited and accepted on XX/XX/XXXX. on XX/XX/XXXX I spoke with five different customer service representatives attempting to resolve this but did not make any progress. The following day I went to my local branch and spoke with a bank manager who field a claim for the deposit to be sent to my real account. On XX/XX/XXXX I received a letter fromChase denying my claim. I again went to my local branch on XX/XX/XXXX and spoke with the bank manager again to resolve this, which they now said it has to be corrected by XXXX. Chase, the IRS, and XXXX have all repeatedly said that they can not fix this issue and to contact the other parties involved. I have been on the phone with all the three institutions for the last two weeks attempting to fix this without any success. The IRS has repeatedly stated that the only way to receive my refund is to have Chase bank return the deposit to the IRS, or have Chase do an ACH transfer to my actual Chase account. Chase has refused to do this, and has given up trying to help me resolve this.
Product: Credit reporting or other personal consumer reports

this is my third request for correction and removal innacurate information on my XXXX, XXXX, XXXX, ChexSystems and XXXX XXXX XXXX. The information reported is a direct violation of my rights under federal law. This includes but is not limited to 15 USC 1681 ( 2 ) ( b ), Consumer Credit Reporting Act, HUR 192 Remedy, and 12 USC 1431. The combined reporting of false information along with the misuse of my personal information without my permission is unlawful. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ), ( Section 605 B 15 U.S. Code 1681 C-2 ), ( FRCA Section 605B ), ( 18 USC 1028A ), ( 15 USC 6802 ), ( 15 USC 1681b ), it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposel Failure to correct these inquiries and innacuracies is a direct violation of federal consumer protection laws. please remove as requested.
Product: Debt collection

( Professional Debt Mediation XXXX XXXX XXXX XXXX XXXX Florida XXXX ) amt {$1600.00} account number XXXX XXXX AND amt {$1200.00} account number XXXX XXXX 2016 BOTH OF THESE ACCOUNTS ARE INVALID I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in FL STATE.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX Calls are recorded. Called approximately XX/XX/XXXX to enter into hardship or figure out a way to keep paying loan on time. Hardship team took me off automatic payments stating the missed payment wouldn't matter if I called back within 30 days. I called XX/XX/XXXX to get into the hardship program. Authorities representive stated past due amount would be put to end of loan if I made a full payment. Then proceed to explain I would be entered into 3 months of the hardship program afterwards with interest only payments for XXXX, XXXX, and XXXX. Legally describing what I would be signing. I signed based on the description as I am a layman. Representing incorrectly set up the hardship program and did not enter the automatic payments. Was told account was past due etc. Paid the past due amount based on the authorization that the past due amount would be removed due to errors on their end. Payment was not applied correctly and will not be till the hardship plan ends. This was a fraudulent transaction, a headache to deal with and violates the agreement I entered into. Now damages are involved due to reporting a past due amount to the credit companies. All I have done was try and work with them. Can provide phone recordings for proof.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

On XX/XX/XXXX, I informed Stallings of the violation of the HIPPA and FDCA laws they have violate. They have fail to respond and have damage my reputation. I do not owe this alleged debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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: Checking or savings account

Wells Fargo closed my son 's account, who is a minor without warning or explanation.
Product: Credit card

During the time my daughter was in college, I opened a credit card in my name with my daughter as a card member. After my daughter finished college several years ago ( she is now XXXX years old ) I allowed my daughter to continue to use the card with the understanding that she was responsible for the charges incurred on it. However, she accumulated a debt balance of more than {$10000.00}. At that point, my husband and I decided to pay the card off and cancel the card. I called the credit card company ( AT & T Universal Card ) and requested that they cancel the card. I also decided to write them a letter requesting that they cancel the card. I did not receive any further communication from them. Last year, 2015, I learned that my daughter was still using the card and I was the primary card holder. They were calling me about a late payment and I told them that I had requested that the card be closed years ago. I further told them not to call me anymore regarding the account. They tried to get me to charge fraud charges against my daughter. I told them that in my opinion, I should be filing them against them since they ignored my request to cancel the account after I paid them over {$10000.00}. They are not going to get at my assets by using my daughter who was vulnerable and still is. The currently has a balance totaling XXXX. My daughter is unemployed at the present time, but I did not disclose this to them. I got the information from my daughter today and contacted them about forgiving some of the debt and they gave me the run around on the phone. I have excellent credit and so far that account has not affected my ability to obtain credit. I have no intention of filing fraud charges against my daughter. They committed fraud as well. They need to be held accountable. I do n't know my rights under this circumstance but I am not responsible for the charges to this card.
Product: Mortgage

XX/XX/XXXX. Wells Fargo Home Mortgage Wells Fargo will not provide XXXX 1099 form as required for remediation payment in XX/XX/XXXX. 
I have called 3 times since XX/XX/XXXX and each time was promised someone would look into it and get back with me. No follow up by them on the first XXXX calls. On third attempt I was on another call when Wells Fargo attempted to reach me. They did not leave a message or ( as I had requested ) email me. When I called back they told me the agent who called me had left for the day and did not leave any notes as to why she tried to call. When I asked to speak with a XXXX I was told they could only put in a request to have someone call me back on Tuesday. 
I spent countless hours in XXXX on their misread of CARES Act forebearance directive which eventually resulted in their remediation payment ( with no notice and less than one month remaining in the tax year ). A longer story which I '' m happy to share but my immediate complaint/request is that someone please provide some motivation for them to provide the 1099 Form they are required to send out by XX/XX/XXXX. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX I the victim of the fraud, am requesting that XXXX XXXX XXXX XXXX according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and XXXX am aware that this is subject to a {$1000.00} fine per violation in addition to punitive damages. 
1XXXX demanding remedy for the following -Fair Debt Collections Practices Act 15 USC 1692g -Fair Debt Collections Practices Act 15 USC 1692e -Fair Debt Collections Practices Act 15 USC 1692f -Fair Debt Collections Practices Act 15 USC 1692k - FCRA Section 623 ( a ) ( 3 ) - FCRA Section 623 ( a ) ( 1 ) ( a ) ( b ) = {$6000.00} TIMES TWO for the reporting of both fraudulent accounts.
Product: Credit reporting

I am a victim of identity theft. I am XXXX and my mother used my social security number to get home loans, new cars, credit cards, business loans and WHATEVER she could get. She stole my identity to pay her bills and HAVE nice cars CLOTHING home XXXX.
Product: Debt collection

On XX/XX/2023 @ XXXX, I spoke to XXXX and he stated that the car resold at the XXXX XXXX for a little on XXXX XXXX dollars. I requested the original contract, payment history and proof of payment ( mines and when the car was sold at the auction ). I also emailed the request on XX/XX/2023. 

I made a phone today ( XX/XX/2023 ) and spoke to XXXX with the " legal department ''. He stated that an automatic email was sent to me on the XXXX of XXXX stating to call them. Which i did not receive. I asked him could he send me a screenshot of just the date and time that he see of the email that was sent to me and he refused. 

Since I requested this information on XX/XX/2023, I have not received any phone call, text message, email, nor mail about this account since my request and now it violates my rights since it have been over 30 days.
Product: Mortgage

ref : XXXX. 
On XXXX/XXXX/2015 I sent the claims package with the signed check to Ocwen, paid extra money to get the money returned to me overnight. Ocwen deposited the money and my statement shows the money applied as of XXXX/XXXX/2015. 
I have called XXXX XXXX 3 times and left messages without getting any return phone call. I started the work needed, had I not done that, I would have been flooded twice. 
Just how much time do they need to return some money ( my money ) to me. What is the proper procedure from here. This problem now is going on 3 years, enough is enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACIMA DIGITAL FKA SIMPLE ... this was paid in Full & it still on there as a Negative since Payment in 2019
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX dispute hard inquire I was pre approved then denied XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX dispute hard inquire I was pre approved then denied XXXX XXXX XX/XX/XXXX closed account paid in settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear SANTANDER CONSUMER USA ; Still multiple inaccuracies ..... Impossible that this can be verified as accurate? How? it's reporting incomplete, inaccurate, misleading, and multiple inaccuracies. therefore it's in violation of sections 609 & 611 of FCRA. It's unverifiable. Delete now!!!. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : XX/XX/XXXX XXXX ; Barber v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Blakely et al v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Wilson et al. v. Santander Consumer USA , Inc. FILED : XX/XX/XXXX XXXX ;
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 : XXXXXXXX XXXX Account # XXXX, Account name : XXXX XXXXAccount # XXXX, Account name : XXXXXXXX XXXXAccount # XXXX, Account name : XXXX Account # XXXX XXXX Account name : XXXX Account # XXXX, has violated my rights.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Shortly after submitting a complaint with CFPB I experienced some fraudulent activity in my checking accounts with Dave Inc. I quickly reported it to customer service and was told I would be contacted by the fraud department within 48 hours. I was never contacted within the time specified so I tried to make contact with customer service and when I called I was answered by a recording saying that my account was closed for fraudulent activity then it hung up. So now suddenly my account was closed with no explanation. When I tried to inquire about this closure I was not given a reason. I was told my account was closed and they could not answer any of my questions. The fraudulent activity in my account was the theft of {$550.00} from my account. I was never given a refund of that {$550.00} or any type of explanation as to why they closed my account. I feel like they retaliated for me submitting the complaint to CFPB. I'm a United States XXXX  Veteran and that amount of money taken from me and closing my account with no notice created an extremely financial hardship. I had nowhere to turn for help with this matter. Trying to report this to the right authority was a complete nightmare. I kept getting the run around when I tried to report this to several places. Meanwhile the rich bank Dave Inc. keeps stealing their customers money and getting away with it. Just read the reviews on XXXX. Many people have submitted reviews complaining about the same exact thing I've experienced.
Product: Credit card

I hope this message finds you well. I am writing to address an issue regarding the sign-up bonus for my XXXX XXXX XXXX  XXXX credit card account in XXXX at US BANK XXXX I recently completed the required spending to qualify for the XXXX mile bonus offer, but I have yet to receive the miles in my XXXX XXXX XXXX account. 

Here are the details of my account and the promotion : Name : XXXX XXXX XXXX XXXX Details : XXXX miles sign-up bonus after spending {$5000.00} Date of Account Opening : XX/XX/year> Statement Date of Spend Requirement Fulfillment : XX/XX/year> I would appreciate it if you could look into this matter and assist me in ensuring that the bonus miles are credited to my account. If there are any additional details or documentation needed from my end, please let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Best regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

The Debt is for A business that has been closed for years. I requested documentation showing where I am personally responsible, and the contract provided only shows the business information, and none of my personal information. i never gave them any of my personal information to get this account open. it was all done under the business.
Product: Debt collection

Wells Fargo has reported new activity on XXXX of my past mortgage loans that were closed or balances forgiven in a loan modification process. XXXX loan balance was forgiven by Wells Fargo in the loan modification process back in XX/XX/XXXX ( $ XXXX bal. ) and now shows updated activity in XX/XX/XXXX. And the second loan as of XX/XX/XXXX shows new activity on a loan that was modified in XX/XX/XXXX with a balance reduction and refi, this Home was sold in XX/XX/XXXX.