23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, I am writing to formally lodge a complaint against Offermarket, its mortgage representatives, and the owner, XXXX, regarding the handling of my loan applications and the unprofessional conduct I experienced. 

On XX/XX/year>, I began speaking with XXXX from Offermarket, who introduced me to their loan programs. Initially, I was informed that I would be able to obtain a DSCR loan for each of my homes. However, due to the appraisal company used by Offermarket, the appraisals for two out of three of my homes came in under {$100000.00}, despite market ARVs indicating higher values. No action was taken to address this discrepancy. 

As time progressed, I was advised to switch to a portfolio loan. I complied but was not made aware of any changes to the terms until I saw the revised term sheet. Additionally, I was given multiple closing dates which were repeatedly postponedfrom the initial date of XX/XX/year>, to XX/XX/year>, then to XX/XX/year>, and now once again changed. 

As these delays continued, I began to run out of time with my current lenders. I informed Offermarket of this urgency and, on XX/XX/year>, left a negative review on XXXX. On the same day at XXXX PM, I received an aggressive and threatening call from XXXX, the owner. He stated that he would close my lending file because of the negative review. He gave excuses about the difficulty of finding lenders in the current market to provide the promised services. XXXX also insisted on speaking to my wife, as it was her loan package, despite having written consent to work with me on this matter. He only calmed down when I agreed to remove the negative review. 

Today, on XX/XX/year>, after receiving an email from Offermarket confirming that we were set to close on Friday, XX/XX/year>, I received a notice from my title company stating that the lender had informed them we were not closing because they were not in communication with the party they were selling the loan to. Shortly after, Offermarket responded to my email by stating that I now needed to fix various items on one of the homes. This is perplexing since the homes were appraised at the values they were lending for. 

Offermarket 's term sheets constantly changed to suit their convenience, and they have deceived my wife and me, wasting our time and causing significant stress. We will be seeking legal representation to cover the costs of the appraisals and any expenses incurred by our lenders due to Offermarket 's lack of experience and unprofessional conduct. 

I urge you to investigate XXXX methods of facilitating loans, the frequent changes to term sheets, and the numerous delays in closing dates. Their practices have caused undue financial strain and emotional distress. 

Thank you for your attention to this matter. I look forward to a thorough investigation and resolution. Should you require even more emails as proof I will provide them. Please see attachments. 

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

XXXX XXXX XXXX XXXX XXXXXXXX showing a late payment XX/XX/XXXX, XX/XX/XXXX reporting to the CRA ( Experian XXXXXXXX XXXX XXXXXXXX ) as late. I was never late on this account direct violation of the FCRA title 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) I have the right to privacy and I am demanding that this late payment is removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!
Product: Checking or savings account

I deposited check with Chase the recieved the funds and will not let me have access. The amount has been deducted from the person who gave me the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX obtained my credit report on XXXX2023 without my consent. I have not applied for a loan at this company Ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXXBalance : {$0.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Mortgage

XXXX  XXXX traded my Mortgage to 53.com. For the first 3 months I did not receive any statements from 53.com. I had to change my address and fill out a cfpb form to start receive statements! 53.com said they will not charge late fee on phone. Once the cfpb request hit 53.com they charged me an {$89.00} late fee. I need the {$89.00} back as the process of 53.com failed to informing me of the date of the mortgage trade and failed to get me statement to pay my mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the account XXXX - XXXX as reported. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and noticed inaccurate information related to this account. The inaccuracies include discrepancies in the account status, balance, and payment history. These errors are adversely affecting my credit report and financial standing. I request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy. 

Please send me the results of your investigation and an updated credit report reflecting any changes via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.
Product: Debt collection

I received a letter from XXXX XXXX stating that I owed {$600.00} and when I checked my credit report they had reported an unpaid account for that amount. I contacted XXXX, they told me to contact unifin which I did. The representative at unifin told me I needed to do my own research and pay my bills if I had a problem with something on my credit report. They would not give me any info about the debt. XXXX finally told me it was XXXX credit. So I contacted XXXX. They told me to contact synchrony bank. Synchrony did not provide any info. I never opened or authorized a XXXXl credit account and still have no idea what the charge is for. These four companies are holding my credit hostage unless I pay {$600.00} that I have no knowledge of ever incurring. Please help me understand how the XXXX credit account was ever opened without my knowledge and why cant anyone tell me anything about it. Why did I first learn of the debt after it was reported to the credit bureaus? When I requested in writing that XXXX send me debt verification, they sent me back a form letter stating that they needed more info from me. My request included the XXXX reference number, unifin reference number, synchrony account number as well as my name address and social. How can they do this to people?
Product: Debt collection

On XXXX/XXXX/XXXX, I received a robocall message on my cell phone that did not give company name or identify the person speaking threatening that legal action was pending on an urgent matter. Failure to reply would result in a judgement. 

When I called back, I received no disclosure regarding privacy or debt collection. I spoke with XXXX XXXX XXXX who informed me I owed a debt that needed to be paid within the next 2 days or a suit would be filed. I told him I believed the debt in question was paid to another collector in XXXX. I also informed XXXX XXXX that I was laid off in XXXX XXXX and the only income I have currently is from unemployment insurance. 

He said that his company ( Integrated Recovery Services ) did n't own the debt but worked for another broker that actually owns the debt and that the debt was still owed. 

I sent a letter of dispute on XXXX/XXXX/XXXX by fax and certified letter requesting debt validation by XXXX Mail. The certified letter was returned as undeliverable. 

XXXX XXXX XXXX called me 3 times after the XXXX leaving messages and continuing his pursuit of the unvalidated debt. On XXXX/XXXX/XXXX sent me a letter from a generic email address XXXX restating the settlement offer but ignoring my request to validate the debt. Further, I have requested license information to confirm Integrated Recovery Services and/or XXXX XXXX XXXX is licensed as a debt collector in XXXX where the company is located. XXXX XXXX XXXX has refused to provide any communication via XXXX Mail service leading me to believe this is a scam.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this note reaches you well. I recently have been trying to borrow credit for one of my four businesses. Though, I have a bankruptcy on my account which is false. I have been trying to have this removed for some time. It has been removed from 2 credit bureau 's but still on one,  Equifax. Therefore, I am unable to do my regular business transactions now. I'd really like to borrow money for my business and only have this single issue with my credit. I could borrow in the future since I'm a reliable borrower and pay back my debt. Though this negative remark on credit report hinders me doing business. I truly am a responsible person. I would really love the help in resolving this matter as soon as possible. Thank you. XXXX XXXX
Product: Credit card

A person in XXXX XXXX is using my address to try to obtain credit or debit cards. He use my stepson name and obtained a credit card that he wanted to send to his address in XXXX XXXX fortunately it was sent to my address. My stepson is in Florida and does not have access to a phone. The card company is Citi, I tried to call them explained what was going on and they couldn't help me.
Product: Mortgage

In 2011 I applied to refinance my mortgage loan with JPM Chase. At the time the HARP program was already available. However, JPM said that such loan would be more expensive to me. 
Reviewing the program with other institutions, I 'm being told that in fact the HARP program would 've been more beneficial to me, i.e. less expensive I would like to know why JPM did n't qualify my loan under the HARP program.
Product: Debt collection

Midland Credit Management has not submitted any documentation that according to the FCRA qualifies as debt validation! They are illegally furnishing data to my consumer reports!!!! 
They are in violation of 15 usc 1692g which outlines debt validation and they are also in violation of 15 usc 1681b which outline permissible purpose!!! They also have violated 15 usc 1692f which is considered by the FTC to be debt parking.
Product: Checking or savings account

In the beginning of XXXX 2017, I opened an Advance Checking account with HSBC in order to meet their requirement for {$350.00} account opening ( {$10000.00} or more direct deposit ). After selecting the middle option on their application website I arranged for the direct deposit to commence. Subsequently I was welcomed by HSBC welcome messages referring to generic " HSBC product '' until XX/XX/XXXX when the first notification of Choice account was made followed by the paper statement. Since I did n't apply for Choice account I contacted the HSBC overseas call center CS center to find out why was the account switched without my previous permission or knowledge. After a long wait ( about 10 min ) the CSR for checking stated that the issue is with online dept and not theirs and then subsequently transferred me to the non-working extension. 
When I called again and spent again about 15 min on call I was told that it was me that selected the Choice checking despite meeting the conditions in regards of the Advance checking. I was also informed that any changes in account status will automatically disqualify the bonus leading me to the conclusion that the switch has been done on purpose. 
Questions : 1 ) Why any notifications sent out by HSBC prior to commencement of the wire deposit were referring to the generic HSBC product and not advance checking? 
2 ) Why the account representatives overseas are not authorized to address issues such as this as this is the basic customer service function?

3 ) If the HSBC is the ultimate decider of what product customers are allowed to choose why it did n't send out the notifications to that effect instead of arranging the account deposit and then downgrading it to the different product in order not to pay opening bonus ( it was confirmed by HSBC representative to that effect )?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the previous written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XXXXXXXX  XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$190.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$90.00} ; XXXX  XXXX Balance : {$730.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX Balance : {$550.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$330.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$450.00} ; Chapter 13 Bankruptcy Date Filed/ReportedXXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX processed a fraudulent loan/order, in my name, that I did not authorize. I have called 11 times over the past three ( 3 ) months as well as repeatedly sent all documentation proving that it was never authorized and requesting it removed from my account. They are refusing to assist. 

XXXX is now reporting it as past due, causing my credit to take a significant hit - this is stressful as my husband and I are currently in pre-approval for a house purchase. This has greatly affected everything in our process. I did not place this order or authorize this loan - Ive contacted a lawyer due to these fraudulent business practices. There was a class action suit against XXXX in 2023 - Ive submitted info to get another one started. I have filed a report with the FTC as well as all three credit bureaus. Please help.
Product: Credit reporting or other personal consumer reports

Nothing has happened. There still reporting inaccurate information and accounts on my report. I have reached out certified mail on several occasions with no results. The last time I've reached out was XX/XX/2023, providing proof of with my certified dispute letter, ending with no results from any of the credit bureaus. 

This collection that is reporting on my credit report from this company was under a lawsuit. I was one of the customers that was under the multistate XXXX settlement lawsuit. This loan was supposed to be removed from all 3 credit bureaus and I was paid out a settlement check. Those were the agreements within the lawsuit. I have proof that restitution was paid out to my account from this lawsuit.
Product: Credit reporting

THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY ASAP.
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case.  I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Checking or savings account

On XX/XX/XXXX I was able to log into my Citibank account # XXXX to check the balance. XX/XX/XXXX, I logged in to see if a deposit was made to my account and was unable to login. I gave the company a call and I was told that my account was blocked. The customer service rep was unable to give me an answer as to why my account was being blocked so I called back the next day which was Monday a business day XX/XX/XXXX. I was told by a company rep that my account was in the process of being closed without notice of any transactions being flagged or notification of any suspicious transactions on my account. 

I went to the XXXX XXXX branch on XX/XX/XXXX hoping to resolve the issue the banker was just as confused and gave customer service a call. The banker was told theres nothing he could do and I would have to wait for a letter to arrive in the mail. I received a letter in the mail on XX/XX/XXXX but the letter did not detail why my account was closed and why my money was being held. I returned to the XXXX XXXX branch. The branch manager tried to resolve the issue by asking customer service if he could return my money in the form of a check to me printed out at the bank that day, but was told not to by customer service. They told him I should wait for a second letter in the mail explaining why my account was closed it can take up to 90 days.

This account is primarily used for my tenants to send their rent money to might as well as Housing authority city of Los Angeles rent payments for a tenant. There are three transactions that are deposited into my account each month and the only outgoing transactions are to my mortgage at XXXX and to maintenance and utility bills. A total of XXXX transactions a month. 

Due to Citibank closing my account unknowingly I was unable to pay my mortgage with the money that was sent to me for that specific reason. 

It is unfair that my account was closed without knowledge, and with the bank holding my money without reason.