23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We applied for and were approved for a HELOC through Figure Lending in XXXX. When we originally applied after refinancing our home our home was appraised at $ XXXX last year. When we went to make our first draw on our HELOC for only $ XXXX on XX/XX/XXXX we were denied the draw from Figure Lending stating that our home was valued significantly less than the original valuation. The original denial letter did not include the amount it was appraised at, how it was appraised, or an appeal process. After following up with Figure they disclosed the appraised amount was from a third party XXXX and there are no comparables or appeals with the XXXX. The XXXX valuation from XX/XX/XXXX was {$740000.00}. Our home mortgage is currently only $ XXXX. With that valuation that is still nearly $ XXXX over what we owe on our mortgage, or nearly $ XXXX in equity. Our original HELOC was for $ XXXX, there would still be an additional $ XXXX in equity not included. Our options we were told were to cancel the HELOC and find another lender- which we did explore. The problem with this option is we would pay additional fees to Figure for money we never had access to, wait for the lein to pass to apply for a new HELOC with another lender, and be subject to 5-7 weeks of additional processing time and paperwork that we have already completed. Or to wait 60 days and there is no gaurantee we can access the money Figure had agreed to finance us for. 

We believe this black hole of the XXXX, as well as the process to deny us access to a HELOC that we were originally approved for, is suspicious and they collected fees from us during the application process. The platform of the business seems unfair and lacks transparency, as well seems to be against fair lending practices.
Product: Money transfer, virtual currency, or money service

Hi, I wire transferred {$15000.00} from my online bank of Eastwest bank to my XXXX account on XXXX  XXXX. The Eastwest bank 's online bank showed this amount should be available in my XXXX account on XX/XX/XXXX. However, today I found this {$15000.00} has been withdrawn from my Eastwest account on XX/XX/XXXX! I checked my XXXX account, but this amount has not been deposited nor was it " in processing ''! I am confused where my money is starting XX/XX/XXXX, I also wonder why Eastwest Bank withdrew my money but did not send it to my XXXX account. I don't know what happened when Eastwest Bank withdrew the money from my account. I think this might be a fraud, but I can't know for certain. 
In addition, I want to complaint that Eastwest Bank would only allow me one wire transfer up to {$15000.00} per month. As you know, during this COVID-19 situation, we have to stay at home, we should do as many bank operations as possible through online banking. This policy of Eastwest bank bring us so many inconvenience, we have to go out to a bank office to do the additional transfers. 

Thank you for your time and attention Best Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT! Attached is letter dated XX/XX/2020 received from XXXX regarding my complaint. See areas I highlighted. This is now a complaint because XXXX doesn't know their business. The knowledge of HUD loan requirements, and should have never unnecessarily pulled credit prior to qualifying property. Step One - Qualify. Step Two - go forward. The first phone call should have been one question ; " Please describe your home ''. 
I am not the pro as XXXX advertises to be. And this should have been caught by XXXX and not weeks later by an appraiser in the field. 
XXXX, yes, I am frustrated my property did not meet HUD loan requirements. Shouldn't XXXX know the HUD loan requirements and shouldn't it be qualified before any credit is extended? Why extend credit if property will not meet HUD Loan requirements? 
And XXXX CARES Department doesn't care very much by making a smart statement " XXXX acknowledges that this is the 4th time you have submitted this complaint to various agencies ''. Perhaps 5 times is required for XXXX to understand this. 
The reason for XXXX is because I was involved in XXXX fraud and identity theft. I don't need an inquiry on my report that should have never been there in addition to days of wasted time. 
Look at areas highlighted on your attached letter " 3. To a person which it has reason to believe ''. Is XXXX a company or person? So who is the person? 
In addition, noting was mentioned about Factual Data. And I call Factual Data and the recording states press ___ number if you want a copy of your credit report. Then a lady gets on who is with XXXX, a sister company of Factual Data and both are part of the XXXX. Now XXXX, Factual Data, XXXX, and XXXX all can have access to my personal information. This is totally wrong! Perhaps XXXX CARES Department needs to read this again " 3. To a person which it has reason to believe ''. 
I had to fight to get the reimbursement on the appraisal fee and am still waiting months for the final {$120.00}.
Product: Mortgage

I have been working with Nationstar for over a year to try to modify my mortgage loan which was interest free for 10 years. However, the principal will need to be paid starting in XX/XX/2017. The principal payments reflect payments for a 20 year loan. I can afford payments on a 30 year loan. The current loan has been sold to a private lender who does not participate in the making homes affordable program. An additional issue is that there is ~45 % equity in the house. My husband was diagnosed with XXXX at age XXXX. This caused financial ruin for my family. I need help finding a way to refinance this loan so that I can keep my home for myself and my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX XXXX/XXXX Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX - XXXX XXXX XXXX XXXX Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit card or prepaid card

Applied for a Chase Visa and was denied due to negative history with JPMC so I called and they said I had opened a XXXX Visa in XXXX, ran up balance to $ XXXX, then never paid it and it went to collections in XXXX. 
I have never had an account with Chase in my life, They told me to contact an XXXX XXXX where they apparently sold this debt or wrote it off. That company no longer exists so I cant even dispute it with them. Chase insists they can not remove this despite my repeated attempts to contact them about it. They have my current address noted on the account as well but Ive only lived here 2 years. This debt has never been on any credit report ever. Only seems to be in Chases system and a complete mistake. Ive purchased homes and vehicles and monitor my report and this item has never been present until now when I applied for and was denied credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA and 605B ( 15 U.S.C & 1681 c-2 ) that you the XXXX and Equifax credit reporting agency , 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 an installment account XXXX  XXXX XXXX opened on XX/XX/2022. This account has resulted in affecting my credit report.
Product: Credit reporting or other personal consumer reports

There are multiple utility companies brokering utility services in Texas, that accounts have been opened in my name, which is a very common name. I have never been to Texas, I do not own any properties, nor have I done any business in Texas. I have always resided in California. The companies involved, after directly contacting them and speaking at length about these accounts that are not mine, and refuse to investigate their own systems for the information provided upon opening of the utility service in order to connect to the true owner of the accounts. They wish to have me provide additional personal data to prove it isnt me. Being that this is obviously identity theft or an outright error, I have not provided my personal information to this unverified company. The debts owed have been sold to XXXX XXXX and XXXX XXXX XXXX, which also have failed to provide any information or actually proof of my ownership other than my name, which is a very common name.
Product: Checking or savings account

On XX/XX/2022 my prepaid Chime checking accounts was charged {$430.00} and on the same day my prepaid credit builder was also charged XXXX charges of {$430.00} ( {$870.00} ) There was XXXX in both accounts and my spot me was not on. I have {$210.00} in my savings on Chime. These charges were made from the quality inn where I have stayed for XXXX yrs. I pay $ XXXX every Thursday. These charges appeared on a Monday. I called the manager their system showed no charges just the last one made on on XXXX for {$430.00}. I called XXXX XXXX about it -no charges appear. Obviously the manager can see the charges came from XXXX XXXX on my chime account. He tells me XXXX other guests have the same problem. Their system was XXXXacked.I filed a dispute with Chime they denied it saying they are regular charges the see on my card and that I had my card on me! Well of course I had my card-the hotel was hacked I did not load my card!!! They did not investigate, never called the hotel to follow up. The hotel manager has called several times only to be left on hold for hours only to be hung up on. I made a police report, and still nothing. The hotel says the other guests have been refunded on their cards! My thing is hacked or not how does chime allow charges to come thru with no $ in the account? I could not over draw 1 penny!!! 
I need my account fixed I have {$210.00} dollars I can not get because you have to transfer to you checking to get it out!! I need help. It has been a month. And nothing!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
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 XXXX XXXX XXXX
Product: Mortgage

Select Portfolio Servicing ( XXXX : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) purchased my home loan in XX/XX/. After purchase I received a letter in the mail stating I needed flood insurance. I live in the mountains, I've never needed flood insurance, FEMA website states I don't need flood insurance, and I forwarded all the documents to the lender showing I don't need flood insurance. I also contacted the ombudsman for the company to help me and emailed the ombudsman the documents showing I don't need flood insurance. I contacted my prior lender and my insurance agent who provided me with the certificate showing I don't need flood insurance. I attached the documents proving I don't need flood insurance to my lender website spservicingXXXX on XXXX XXXX  and XX/XX/ and the lender charged my account {$210.00} for flood insurance in XXXX XXXX XXXX XXXX and XXXX XXXX 
They won't call me back or acknowledge the FEMA no flood zone proof. I can't afford another {$210.00} in fraudulent flood insurance fees. I'm extremely frustrated and need help resolving this issue. I've also found reviews online for SPS servicing with claims like mine that state they fraudulently charged customers who's loans they purchased for insurance they don't need. 
Please help me! 
XXXX XXXX email : XXXX XXXX
Product: Credit card

On XXXX XXXX 2024 I received a text from Citi bank asking if a few transactions were transactions I authorized. I immediatley called CITI and stated no the charges were not me and they were fraud. The agent then closed that card and assured me that they would take care of it. A few weeks later they stated that XXXX of the charges for the {$29.00} was going to be credited but the charge of {$290.00} was going to be charged to me because the merchant said it was a legit charge. I was very confused as per I did not make a purchase to an auto parts store in XXXX XXXX when I live in XXXX XXXX. CITI stated because the address was correct for the charge I made this charge. However, the charge was NOT in my name nor was the address fully correct. It was not my full address it was missing my apartement number. I filed a XXXX report and also submitted this to CITI stating I did not make this charge. I also got a letter from XXXX stating that they had a XXXX XXXX on XX/XX/XXXX and this card with the fraud charges was the card I used with XXXX. I am still fighting this charge with CITI. I did NOT make this charge. It was not my name only part of my address was correct and I would like to know if they just had the card number because I had the physical card in XXXX  XXXX. It has been months now and CITI just keeps giving me the run aournd saying they are not going to credit me for this {$290.00} charge when the other one was fruad they credited right away. I have been a long time CITI card holder NEVER late on my payments. This is beyond time consuming and frustrating.XXXX
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> it came to my attention that I am a victim of Identity Fraud. During this time, I went ahead and contacted all companies involved to which each responded the same. I was advised to complete a FTC Report and file my dispute with the credit reporting agencies ( XXXX, XXXX, Experian ) so they may block and remove fraudulently opened accounts. Which I did. I recently received notification from Experian that my disputed accounts were not removed from my credit file with no valid explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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

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 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate and Misleading Reporting of Payment Information To Whom It May Concern, I am submitting this formal complaint to report inaccurate and misleading information reported to credit bureaus by [ Caine Weiner Progressive ] . The information pertains to an account listed in my credit report that falsely claims delinquent or derogatory status regarding rent payment. These claims are incorrect and unsupported by any verified documentation. 



Details of the Issue : Account Number : [ XXXX ] Credit Bureaus Affected : XXXX XXXX XXXX XXXX XXXX XXXX  : False statements indicating delinquent payments on rent, derogatory status, and account remarks claiming unresolved debt. 

I have not made any payments on this account as reported that is fraudulent Relevant Laws Violated : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain the maximum possible accuracy of consumer information.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations regarding debts. 



Supporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Emphasized the importance of reasonable procedures to ensure accuracy in credit reporting and held credit bureaus accountable for failures in verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never received a call from midland collection however today XXXX at XXXX they called my husband. Disclosed all my personal information. The debt the amount n last payment. Threaten to file judgement
Product: Vehicle loan or lease

XX/XX/2019 - responsible for $ XXXX+ on a {$54000.00} priced car in lot I have called XXXX XXXX Ohio every business day for resolution. 

Ive called XXXX XXXX corporate documented everything. 

I called Us Bank ( new bank ) I called XXXX XXXX bank XX/XX/2019 informed of my car on dealers lot for sale and they said they have my loan not paid and they own title of car Dealership XXXX XXXX Ohio lied to me about warranty manufacturer XXXX which doesnt exist. When I called corporate they informed me my warranty was much less at XXXX. 

Dealership lied to me saying my car trade was wrecked. False information. I checked XXXX when I saw my car for sale on a dealers lot XX/XX/2019 and it states no accidents. 

I was lied several times for a sales deal. 

Unethical business practices and I should not be responsible for a contract signed with false representation and false information to instill fear in me to get back home safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

how can an account be late 90 days 11 times after it was closed on XX/XX/2018 and charged off XX/XX/2018 on a voluntary repossession THIS IS INACCURATE REPORTING
Product: Mortgage

1. I closed a loan with 1st Advantage Mortgage on XXXX/XXXX/XXXX. Apparently one of the documents I signed was a quit claim deed conveying title of my home from my trust to another trust with a different last name and my wife 's trust. This was not disclosed to me prior to the closing and was completely unnecessary to for the effectiveness of the mortgage given our home has been in my trust and my wife 's trust ( XXXX ) since we established the trust in XX/XX/XXXX. Moreover, we have refinanced our home at least 6 times with this same company since XX/XX/XXXX so this was not new information. 

2. I received a notice from the XXXX County Recorder of Deeds indicating possible fraudulent activity regarding this quit claim deed given the the last name of one of the trusts ( mine ) was different then their records. 

3. Even though the closing took place 2 months ago, I have yet to receive a complete set of executed closing documents. 

4. The loan is current and in good standing. XXXX XXXX debt service has been paid.
Product: Mortgage

Hi 1.Working wiht chase back from XXXX from XXXX to XXXX Naver have any late and all ok the first lan i have wiht them - XXXX XXXX/XXXX/XXXX to XXXX/XXXX/XXXX on XXXX XXXX the add a escord accound to my load wiht outlet me know and loan amount change and a ad on opsino to pay it online i call them to fix thesee the fix and i can go onile to pay new i try and it not working so i send them chcek fot the pay met for XXXX on XXXX and XXXX on XXXX the XXXX mail back to me bace on the address the have on file i incorect and strat send letter like crazze the my address is in corect and i didnot get it if my address is incorect who to i get the latter from the i see they is no one to talk over the so i ask them to get the pay off amount to pay all the ballance in full befor the end on the yr and cloce the acound thay agry to send my the pay off XXXX XXXX remove the 60 day late fee from my credit report .i never get any ting from the and now i have 30 late on credit report from XXXX AND XXXX on XXXX & XXXX i call them to to fine out they see my addraasss cnage and thay sold my mogrege to new copany. i contact the new compay to all in full, SO now they only probelm I have wiht them is to remove all my late charge from my report and close XXXX thay never remove any late free and never cloce the accoud aftre the get ALL the XXXX. i need help ... 
DISPUTE GUIDE XXXX
Product: Credit reporting

I have a private student loan. The representative indictaed to me that i had forbearance time available to bring my account current which would avoid any negative credit reporting. She emailed me the documents, in which i faxed back on time. I expected my account to be brought current however it was still reported negative past due for 60 days although XXXX specifically told me to fax these documents and i would be all set. I check my credit weekly and noticed that XXXX XXXX XXXX the creditor whom is partnered with XXXX which houses the loan reported my account 60 days past due. When i contacted them they told me there was nothing they could do and apologize for the misinformation. This is extremely wrong and shouldnt be allowed.
Product: Mortgage

My mortgage is a reverse mortgage. The company is PHH Mortgage. All of a sudden, they decided that I had not paid my insurance. So, they got an insurance policy and charged me for it. My insurance company had renewed my policy on XX/XX/year>, as they have every year that I have had the mortgage. I had to have the insurance send copies more than once, but they didn't accept it until they say that it was not in a timely manner, and I was in default, so they sent an assessor to assessor the property. Then they decided I had not paid my taxes. I had to send them multiple times before they accepted it. Now they want me to pay the assessor because they say I was in default which I was not. It was their screw up. I did reverse mortgage so I could retire and take care of my XXXX husband. I don't have the extra money. We just had the house sided and a new roof because of XXXX XXXX. I have copies of my payments to both and a copy of the first time the insurance policy was sent.