23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am the buyer of XXXX XXXX XXXX in XXXX XXXX. My wife and I signed a contract with Colina homes back in XX/XX/2021 before building started in the subdivision. The builder force us to use their in house lender Colina Mortgage for the loan. We accepted to use Colina Mortgage because we want the transaction smooth and trouble free. 

We started working with XXXX the loan officer and manager of Colina Mortgage back in XXXX, and everything goes well, On XX/XX/XXXX, Colina Mortgage confirmed that underwriter had approved the loan. The closing date was set for XX/XX/XXXX. On Thursday XX/XX/XXXX around XXXX, I received a call from XXXX the mortgage manager indicated that their clericalerror woulddelay closing and on Friday XX/XX/XXXX afternoon was notified by email closing might be on Monday, and any extension fee covered by Colina XXXX On Monday afternoon, XX/XX/XXXX, instead of closing, the loan officer notified me in the afternoon that theloan was rejected and the contract will be canceled. She said she offered other solutions to the Biulder to correct loan but need to extend closing dates, the build simply refused and intend to terminate contract due to their in house loan companys mistake caught right before the close. 

We offered to pay cash instead but I was denied too. We have requested the written explanation from Colina Mortgage why our loan get declined at the last minute without any previous notice, but no response so far. 

If the Loan can not be closed on time due to Builders own mortgage companys mistake at last minute, how can builder not accept cash close and not even apologize to us for their delay? Instead, all they tried to do is to cancel the contract.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX A ) Account Number : XXXX, and so on.
Product: Mortgage

I sold my house and the sale closed on XXXX XXXX, 2016. Ditech was servicing the loan. The company has failed to refund my insurance escrow premium. I have made repeated inquiries to the company and the only reply is that they are looking into it. From what I can determine, Ditech may have sent a refund check to the wrong address. The company will not, however, address this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX an amount of XXXX was deposited to a current online banking debit card from XXXX XXXX XXXX when I noticed the deposit I called the bank and told them I did not authorize or approve the deposit into that account i told them I didnt have access/lost to my current debit card and told the I needed a new physical card they told me they canceled the card weeks prior so I assume it did not work. They told me the dont do refund on deposits and that I would have to get in contact with the sender I got in contact with them on XXXX XXXX I explained the situation to XXXX XXXX XXXX ( the sender ) they gave me a case number XXXX XXXX XXXX ( XXXX ) case number. They told me to give the 3 business and they would reach out to me I have yet to hear a response it is now XX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX. I contacted US Bank regarding a forbearance for my mortgage. I was placed on forbearance for the month of XXXX. I was told that the payment would then be due in XXXX but if I needed further assistance to contact them XX/XX/XXXX to see what I can be approved for. I contacted them on XX/XX/XXXX just to be proactive to see if there were any other assistance options. I spoke with a representative and she told me that she would have to end my forbearance to see what I would be approved for. Before we continued the process I let her know that if this would negatively impact me that I did not need to continue with further assistance and that we would be able to make our mortgage payment by XX/XX/XXXX. The rep did not confirm nor deny that this would negatively impact even though I mentioned this twice during the call. She continued to see what I would be approved for and she offered me a payment deferral for XXXX and XXXX mortgage payments. During this process none of the disclosures mentioned how this could negatively impact my account or my credit report. I called back on XX/XX/XXXX to make sure everything was in place for the payment deferral and to make sure I was ok to not pay my mortgage that day. On XX/XX/XXXX I got a credit report update that my mortgage is 30 days late. I immediately contacted us bank  and they me I could dispute it which I did but it was not changed. I worked with US bank for a month to try to get answers and to see why I was never told that if I did a payment deferral my credit would be negatively impacted. I had multiple phone calls and nobody was able to assist me. The phone call where I stated that if this would negatively impact me was listened to but US bank stated that they still would not change the reporting. I asked for further explanation on how this could happen and the last representative I spoke with on XX/XX/XXXX refused to further explain because she said they already did. I had multiple phone calls with this company and stated I could make my mortgage payment on the XX/XX/XXXX but I was never provided the information I needed to prevent this from occurring. I also stated I could make the mortgage payment and was never told to make it to prevent negative credit reporting.
Product: Money transfer, virtual currency, or money service

on XX/XX/13, I realized the amount that I have sent wasn't right so I called them to cancel the transaction at Remitly. At that time, money was still on hold but they said it wouldn't be reversible. They let money go after that. The recipients were scammers. They were using what ever name that would be easier for them to identify it seemed like. They used " XXXX XXXX '' as a recipient for my case. I was thinking talking to XXXX customer service people. originally talking about XXXX XXXX  fees. I got a text message saying they were going to charge annual fees instead of monthly so I just needed to change to monthly .... I will talk about this if you are interested in next time. Anyway I had 2 transaction ; {$1200.00} and {$1500.00}. I tried to reverse it after I thought something wasn't right but they wouldn't cancel it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following accounts, nor do I have a contract with them, and according to the FCRA these accounts shall be removed from my credit report. ( 1 ) XXXX XXXX XXXX {$730.00}, ( 2 ) XXXX XXXX {$56.00}
Product: Credit card

I have a Bank of America credit card since XXXX of XXXX and have made full payments of my account on time. I do this with all of my cards because I have set all of my cards on autopay and never had an issue. For some reason, the autopay on my BOFA account got canceled so I missed more than 60 days of payments for a small amount that was originally around {$25.00}. This is less than XXXX XXXX of the total credit limit on that account alone. There was no email confirmation of this and I had no follow up correspondence letting me know that this happened. The only way I found out was when another credit card company I have emailed me saying I had a delinquent report on my credit account. 

I contacted in on XX/XX/XXXX and the representatives were unable to help me with my issue. I even scheduled to pay the full amount that day and received no confirmation email of that either. 

There are other documented cases of this happening : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student Loans were in Forbearance until XX/XX/2016. In XX/XX/2016 my loans went into consolidation. On my current credit report Nelnet is reporting late payments for time periods that my student loans were in deferment or forbearance. Also, Nelnet is showing my loans as late when the loans were not late, Nelnet was completing the process of paperwork internally. I understand that errors due occur and that we all make mistakes. Thats is why I am giving Nelnet 30 days to correct my file appropriately. If this is not updated correctly I wlll file a lawsuit against Nelnet and file a complaint with the department of education. These are not empty threats because you all did choose to report each loan dismemberment separately I have over 16 late payments for loans that were not delinquent.
Product: Credit card or prepaid card

I have a Sams Club MasterCard, which is through synchrony bank. I had an unauthorized charge of {$100.00} that I did not authorize. My account was hacked. I never lost my credit card yet synchrony bank would not remove it from my account until up to 60 days after they investigate. I have aI have a Sams Club MasterCard, which is through synchrony bank. I had a unauthorized charge of {$100.00} that I did not authorize. My account was hacked. I never lost my credit card yet synchrony bank would not remove it from my account until up to 60 days after they investigate. I have never had an unauthorized charge that was not removed immediately yet synchrony bank refuses to remove this charge. I have paid my bill up to that {$100.00}. This was not my charge yet they refused to remove it until they investigate. That is like saying I am guilty until they prove me innocent. This is unacceptable. I want discharge remove from my account immediately.
Product: Checking or savings account

Without notice, cause, or detailed explanation USAA closed all my accounts including my checking account. I have been unable to make electronic transfers as they restricted my online access and have failed to send even a statement. Thus I am unsure where that money is, how much was in the account, or what if any transactions took place. I 've made repeated requests for documentation which have been ignored. USAA has been informed I do not have checks for this account, and in order to withdraw or receive my funds, USAA 's only options were all fee based. They were willing to send me a check for my balance, for a fee. I could withdraw the funds from an ATM, for a fee. I could go to another bank and have them charge my debit card which had daily limits, for a fee. Withdrawing from an ATM would prevent me from withdrawing my full account balance as well. USAA suggested I go to their local office, which is in another city and withdraw the funds personally. Yet that has fees as well. Fees such as but not limited to taking the day off and traveling to another city and back. It 's been several months without access to my account or funds. I have yet to receive an account statement, or any help in this matter. They have effectively held my checking account ransom.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

Cash app violated my rights and allowed a data breach with in their network causing me financial and mental distress their where no protocols or measures implemented to inform me or stop the security breach. They also failed to investigate any of my disputes thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair Credit Reporting act XXXX  accounts 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 I have also requested validation of an item reported to you by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX .I have received my confidential medical records in response without a prior written release clearly violating my rights under XXXX XXXX 

Legal action is will commence against XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Should these item not be promptly removed from my credit report. I will pursue every legal route available against any agency responsible for reporting this violation. 

FCRA violation Remove all account because you are reporting inaccurate dates from when the collection was First received, last up dated and Removed dates are all different on all XXXX Credit bureau yall cant be getting the same information from the same source but have different dates you all have even also reset my 7 year removal date Several times which is a serious violation making it harder for me Financially with all this inaccurate information on my whole credit report for several years
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Debt collection

I paid my bill in XXXX and CMRE FINANCIAL with address XXXX, CA XXXX with phone number XXXX recorded as delinquent until last week. This was affecting negatively my credit score for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter, tracking number XXXX through XXXX on XX/XX/XXXX to XXXX XXXX XXXX XXXX and they have not replied in a timely manner. I have attached the letter that was sent to them and the reasoning for it. I have not received a response within the last 30 days. So I am asking for this debt to be deleted on my credit report.
Product: Credit card or prepaid card

Capital One Bank has no grace period for payments. I was charged a XXXX fee for being 6 days late simply because I thought I had made my payment and when I checked my balance realized I had not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a in accurate inquiry on my credit report and i have no idea of this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Velo Law XXXX XXXX XXXX XXXX XXXX they reported to my credit report for {$1100.00} at one time they kept hitting my price up and down up and down then I got in contact with them about that while they're raising the price up and down on the collection which was very unfair to me with messing up my credit report and it was very rude here 's the account number that's on my credit report AN # XXXX case number XXXX t this company is violating my rights please help me thank you
Product: Vehicle loan or lease

im requesting pay off letter with cero balance from GM Financial after paying XXXX on XX/XX/year> of settlement on account # XXXX, im about to closed my home with XXXX and cant do it because i need letter reflecting no balance.
Product: Checking or savings account

On XX/XX/21, I received a bank statement from Lending Club Bank in the mail regarding a bank account that was fraudulently opened under my name. I called Lending Club Bank on XX/XX/21 informing them that I did not open up this account. The customer representative acknowledged that this appeared to be a case of identity theft and that my name, SSN, DOB and address was used to open up this account under my name. He indicated that an investigation will take place and assured me that I would not be financially responsible for any of these charges. He instructed me to contact the Federal Trade Commission, credit reporting agencies, my bank and the local police department. I am currently in the process of contacting these entities.
Product: Mortgage

I am reaching out to express my concerns and file a formal complaint against New American Funding concerning the non-refund of {$1700.00}. These were upfront fees charged for mortgage services that, unfortunately, were not provided. 

On XX/XX/XXXX XXXX my spouse and I collaborated with XXXX XXXX, a direct mortgage broker. We were informed that an upfront payment of {$1700.00} was necessary, which was explained as fees for a rate lock and buy down. We were under the impression that these charges would cater to the expenses related to our property 's mortgage loan. 

Regrettably, New American Funding did not meet the expectations set. Despite our payment, the promised mortgage services were not delivered. We were introduced to New American Funding as the preferred Mortgage Broker by the Builder, who had promised a {$2000.00} allowance towards closing costs. We trusted their advice and made a payment close to {$2000.00}. They emphasized the volatile mortgage rate environment and suggested a XXXX lock/buy down as a protective measure. However, when we noticed decreasing rates and tried to contact XXXX XXXX, our efforts were met with silence. When we finally reached him and inquired about a rate reduction, we were presented with a policy that was not previously disclosed to us. 

Fortunately, we found an alternative Mortgage Broker who offered a significantly lower rate without any upfront fees. We believe that New American Funding 's retention of the {$1700.00}, without providing the agreed-upon services, is both unjust and unethical. Their actions have caused us financial distress and significant inconvenience. 

OCGA Laws or Statutes Violated : In Georgia, mortgage brokers are governed by the Georgia Residential Mortgage Act ( GRMA ). The specific statutes that might be relevant to this situation include : O.C.G.A. 7-1-1000 : This section pertains to the licensing requirements for mortgage lenders and brokers.

O.C.G.A. 7-1-1002 : This section deals with prohibited acts and practices, which might include misleading consumers or failing to provide services after charging fees. 

O.C.G.A. 7-1-1013 : This section relates to the duties and obligations of mortgage brokers, which might be relevant if there was a breach of duty or obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX CREDIT BUREAU DISPUTE RESOLUTI XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Student loan

Dear CFPB In XXXX of XXXX I registered to take classes at XXXX University here in XXXX, FL. 
I applied for a student loan to help with expenses, roughly about {$2000.00}. 
Due to personal reasons that happened unexpectedly I was n't able to attend classes. 
I completed a course Withdrawal form within 2 days of school starting. 
I NEVER EVER ENTERED A CLASS ROOM. 

My application for student loan was processed and executed even-though the school had ample notice of my class withdrawal. To date Navient has been overbearing and hard to deal with in correcting this problem. Navient is garnishing my Social Security check of a {$130.00}. every month. I am on a fixed income due to major health issues and its difficult for me to purchase XXXX XXXX medication, because I barely can afford it. This amount may not seem to be a lot to Navient, but it is a matter of XXXX and XXXX for me. 

I have argued time and time with Navient trying to prove to them that I DID NOT ATTEND CLASSES AT ALL. They refuse to listen and just like that took liberty and garnished my fixed income of Social Security. After many months XXXX University system was able to find my letter of withdrawal and I forwarded that proof to Navient. 

Navient continue to ignore my request to replace all my funds and cease garnishing my Social Security even-though they have the proof that I did n't attend XXXX University. 

Please help me in resolving this matter for its making my medical position even worse. 

Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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