23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

While working with NewRez to try and refinance our home, they continually attempted to schedule closing dates next day, but refused to provide final closing disclosure document. They rescheduled closing several different times because they had not completed documents on their end. Each time when they scheduled closing, we would request an updated final closing disclosure and they would repeatedly ignore our requests. When they finally provided the document, they provided it an hour before they had scheduled for us to close. The disclosure had inflated numbers that had not been communicated to us and they had changed our interest rate and inexplicably increased closing costs by about {$900.00} from what we had agreed on.
Product: Bank account or service

J.P. Morgan Chase Bank have used confidentiality laws 15 united states code 6801-6804 to avoid acknowledging its facilitating the crime of fraud. My children the heirs to my ex-spouse property illegally hold my assets in account at Chase Bank with Chase Bank assistance. While I was incarcerated during the XXXX period my ex-spouse allowed Chase Bank to place my investment assets within her account without having my consent of her being appointed my financial guardian. The account in question is a Michigan account kept under the following names. My ex-spouse in XXXX unknowing to me died plus willed control of the account in question to her the children XXXX XXXX born XXXX XXXX, XXXX, XXXX XXXX born XXXX XXXX, XXXX plus XXXX XXXX born XXXX XXXX, XXXX. 
chase possess no legal documentation authorizing my assets being placed within the account but still it with intent on aid fraud hold my assets within that account plus refuse to turn the assets over to me. 
The assets were initially placed in the account at the XXXX XXXX which was purchased by the XXXX ( XXXX ) which was purchased by Chase Bank. Despite fact this crime was committed before Chase Bank became overseer of the account Chase Bank is liable being it will not address the criminal act instead it hides behind account confidentiality.
Product: Student loan

MOHELA had my federal student loans. In XXXX I had made XXXX payments and qualified for XXXX. My loans were forgiven and I no longer have any students loans on my credit report. Then they sent me an email XXXX weeks ago that my loans were being transitioned and I'd receive further instructions when they were ready. Meanwhile when I go on MOHELA it says I have a XXXX balance. Then I get an email saying my loans are ready and it makes me log in to MOHELA creating a completely different user name and password. When I get in nothing from the past is there any longer that account does not exist and can't be accessed. Instead there is a new account with a new balance saying I owe them {$4000.00} and that it is due on XXXX. So now I have to go through this stress and MOHELA never responds or explains anything to you. I have the letters from them saying my loan forgiveness was approved but all other evidence has been taken down by MOHELA.
Product: Credit reporting or other personal consumer reports

This complaint is against TransUnion for the unauthorized reinsertion of accounts ( XXXX XXXX XXXX and XXXX ) in violation of 15 USC 1681i ( a ) ( 5 ) ( B ). These accounts were previously disputed and deleted XXXX, yet TransUnion has reinserted them XXXX  without providing the required notification, which is a direct violation of federal law. TransUnion is the only credit bureau that has done XXXX XXXX nor XXXX have reported or reinserted these accounts. Under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation within XXXX  days of a dispute. However, despite multiple disputes, TransUnion has failed to provide any proof of how these accounts were investigated, violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ). Additionally, TransUnion never provided the legally required notice of reinsertion within XXXX business days, further violating 15 USC 1681i ( a ) ( XXXX ) ( B ). As a direct result of XXXX actions, my XXXX XXXX dropped, leading to a financial denial. This reinsertion also lacks a permissible purpose, violating 15 USC 1681b. TransUnions repeated disregard for federal law has caused me financial harm, and I am seeking immediate corrective action. These accounts must be permanently removed from my credit report, and TransUnion must be held accountable for its violations. I request that the CFPB take appropriate action to address XXXX ongoing noncompliance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Creditor Remarks say my card was lost or stolen. They also unlawfully reported my payment history in these months and years XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, XX/XX/2015, and XX/XX/2015 each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.
Product: Debt collection

Business sent a text message asking that I return the call. I forgot. 2 days later I get a call from a private number. I answer and speak to a XXXX XXXX. She verify 's the case number in the text message and then begins to verify my personal information. First she calls me a man, I am not a man ... Then she confirms my DOB which the date she had was incorrect, then she confirms my social. Which was incorrect. Then she asks about a street that I lived on at one time. I am familiar with the street name from my childhood, however she did not give a street number. Because I have lived on that street 20 years ago, I acknowledged the street name. Then she begins to tell me I have an unpaid debt from XX/XX/2009 and it's currently $ 1800+ the {$2500.00} court fees because they are getting ready to file a lawsuit against me. I let her know that I the account is not mine and that I have no recollection of it. She stated " Well they said you opened the account, and good luck in court, if you don't settle this account today ''. Once again I told her that I am not settling any account today, first it's not my account, 2nd she provided me in depth details about the wrong person and their account, and 3rd that she would be the one needing the luck in court, because the DOB and Social that they have for " me '' as she stated is not correct. Not only that she threatened me with court for an account that was closed in XX/XX/2009. Even if this was my debt the statute of limitations is 4 years from account closure, or last negotiations in my state. She said I will be mailed the court documents and it would be best for me to show up, again I let her know that she didn't even have an address for me and she said it will go the the last know address. This is not right! It's not my debt, but if she had convinced me and I hadn't known better, and paid this account off for something 1 that I don't own, but was scared about being sued so I paid it, and 2 that I didn't know my statute of limitations for my state, that I could have been tricked into paying something that I can not be sued for. This is not the proper way to handle something like this. Now I have access to a social that is not mine, and a DOB as well as an account number. What if I was an identity thief? This company basically provides any information necessary to attempt to make a dollar. In this day and age this should be stopped, as people do pray on the identity of others, and now this business has provided me someone else 's info.
Product: Credit reporting, credit repair services, or other personal consumer reports

To a supervisor that can help me, I am reaching out to you because I have submitted requests to these companies to remove inaccurate accounts from my reports and they have not responded to me. My letters were sent on XX/XX/2021 and I feel as if my situation has been ignored. After not receiving any correspondence back within 30 days I conducted my own research into the Fair Credit Reporting Act and found that Federal law requires companies involved with discrepancies of credit reports must respond within thirty ( 30 ) days ; at this point it has been almost 60 days ( 57 to be exact ). More specifically, Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please delete immediately delete these invalidated accounts from my report. This has caused me significant stress and am at I point where I am looking to implement litigation if they fail to remove these items. Last but not least, I was affected by the XXXX  data breach and this may be the result of the inaccurate items on my reports.
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report, which is covered by 15 USC 16c-2. I believe this information is incorrect and negatively affecting my creditworthiness.
Product: Debt collection

Midland Funding LLC is attempting to sue me for a credit card balance in the amount of {$800.00}. I've previously sent Midland Funding LLC a request for validation of this debt. No validation has been received. Due to the fact that I have not received any form of validation of this debt, I'm without information or knowledge as to the truth of accuracy of the claim made from Midland Funding. I'm requesting that Midland Funding completely close this account and cease collection activity immediately.
Product: Credit reporting or other personal consumer reports

This acct was opened on the following date XX/XX/XXXX and showing on XXXX showing ( XX/XX/XXXX ) close date showing on XXXX XX/XX/XXXX and no close date on Experian, last payment showing XX/XX/XXXX on Experian and XXXX showing XX/XX/XXXX this is inaccurate information falsely manipulates the my credit worthiness and its hurting my ability to obtain credit. Experian failed to do a real reinvestigation this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXXXXXX These account is not XXXX % accurate, please delete.
Product: Money transfer, virtual currency, or money service

My father was scammed. I am a authorized signer on his business account. I contacted Wells Fargo to reverse the scam transactions. I received a horrible run around and phone calls not returned or followed up with me.
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX notified me of an inquiry on my XXXX  credit report. When I contacted XXXX  on XX/XX/2021 dispute this error, they closed the dispute within twelve hours, responding that it was a factual record of file access. 

I had informed XXXX that I never authorized a credit report " pull '' to Curo XXXX XXXX, ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) nor have I authorized Any company to pull my credit in the last 180 days. They chose to ignore my pleas that this access is fraudulent and my concerns that it will be used to commit fraud that may cause monetary damage to me. 

XXXX  has offered to sell me a product that notifies my by text message for $ XXXX/month as a remedy to this dispute. I need the CFPB 's assistance to remedy this issue and prevent this from happening to other consumers. 

I have also contacted Curo XXXX XXXX  but there is no way to get a hold of a human being so I left a message. 

Please help!!!
Product: Mortgage

I am a XXXX vet who is going back to XXXX so I am home part time and in Iowa partime. My friend XXXX XXXX lives with me and we make my house payment together but we fell behind a couple of months. We tried to start paying the loan XX/XX/XXXX. XX/XX/XXXX and have been running into a wall ever since. She called several times to put XXXX on the loan. She told them she was paying with with her tax card and the representative never told her that they would not except this type of payment until the she called the second or third time. At this time the bank was closed. They would not except just XXXX They wanted a full XXXX so I sent a XXXX check so they would take they XXXX. They held the XXXX check on the side and did not apply it. XXXX got a cashiers check and mailed it but mailed it to the wrong zip code this was XXXX XXXX. When I saw they had not received it we tracked it and it was on its way back to us, so I go a cashiers check on XXXX XXXX from my bank that I have in XXXX by school. Call and spoke to nation star and explain the situation. The representative said it was no problem as long as I had the payment in by XX/XX/XXXX there was no problem at all. I check to make sure they got my payment on XX/XX/XXXX and they had not received it. So I called Nation Star again to see if they have received my check. The representative said they did not but they would not except the XXXX because they foreclosed on me on XX/XX/XXXX. I never receive any for closer information on my property saying they were going to foreclose on my property. Or did anyone say anything to us in the 6 to 10 calls we may in XX/XX/XXXX -XX/XX/XXXX. I talked to XXXX manger on XX/XX/XXXX and XXXX before that. The representative advised me on XX/XX/XXXX to cancel my check and pay them XXXX and I would be ok, but the Manger told me to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and the told me I had to pay them XXXX or something close to that to get out of for closer. Ever person I talk to gives me a different amount. They will not take my payments. They always tell me it has to be a specific dollar amount. How is anyone suppose to catch up when they continue to do this to you. They harassed with phone calls one or two a day for over six months till I threatened them with my lawyer. This is when I did not miss a payment at all and when I miss a payment I get nothing to say they are going to foreclose. Then Schedule an Appointment now. 

XXXX Customer Name : XXXX XXXX Free XXXX for new clients only. Not to be combined with any other offer. Not good toward boarding, grooming, prescription and non-prescription medication, and retail items. Not good toward emergency and/or specialty XXXX services. Coupon good for up to XXXX pets ( dogs or cats only ) per household. Redeemable only at a general practice XXXX XXXX Hospital. For pet owners who are aged XXXX and older. 

Valid through XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I sent letters to this company on XX/XX/2022 and have yet to hear any type of responses. I have reason to believe that information is being reported inaccurately on my behalf and I am aware that this is a violation of my rights! Also, this inaccurate reporting is causing emotional turmoil as I am not able to be approved for things that I need to better my life and existence. 

All I asked for was a re-investigation because I am positive that the information is being inaccurately reported. 

I truly demand a re-investigation. If not, please remove from my credit report ASAP!
Product: Checking or savings account

On XX/XX/XXXX  my ex-husband walked into 5/3rd bank and cleaned out my daughters checking account and closed it out. There is a XXXX XXXX XXXX against him as he continues to harass my family and I. Please note that this account was open with our name on it when she was a XXXX. I still had access to the account online, but we were unaware he was on the account at all. My daughter who is now XXXX has been the sole person depositing and withdrawing on this account. That being said 5/3rd bank on XXXX XXXX in XXXX Illinois did not even question him as never withdrawing from this account. They never reached out to the main account holder, and they let him steal close to {$4000.00}. I went in the bank to ask for documentation to take to the police department. XXXX was rude and told me to go online and get the documents. I said that my account was closed, and I had no access to the documents anymore. He basically told me to leave. I talked with the branch manager XXXX a few days later. She told me she does not care. I can take my accounts elsewhere and if I want documents, I should have my lawyer subpoena them. With so much fraud, I want a bank that looks out for their customer. Is it even legal to close out a joint account without approval from all those on the account?
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, A Property Manager by the name of XXXX XXXX, representing XXXXXXXX XXXX, and using the following phone numbers ( XXXX ) XXXX, XXXX XXXX XXXX asked me to deposit {$2500.00} to his bank account in order to secure the rental unit. After I went to a Wells Fargo branch to obtain a cashiers check for the amount of {$2500.00}, I deposited it into his XXXXXXXX XXXX   account. After a few weeks I realized I was defrauded out of {$2500.00} and immediately contacted Wells Fargo to put a stop payment on the check. However, I was notified that the check had already been cashed and their is nothing that Wells Fargo can do. It has been well over +30days and I never received my {$2500.00} by WELLSFARGO . WellsFargo Bank has not been cooperative during this unfortunate process. Due to the recent COVID19 economic hardship, this {$2500.00} loss has severely impacted me financially as a result of Wells Fargos lack of cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is reporting as of XX/XX/2022 that I have a delinquent account. I spoke with XXXX XXXX, VP of their bank and we agreed on a settlement amount of {$4000.00}. I paid this settlement amount with a cashiers check dated XX/XX/2022. I asked them to update my credit file once in XX/XX/2022 because they incorrectly reported it causing my credit score to plummet. Now, they have again inaccurately reported that I am delinquent and owe {$2600.00}. My credit score again has plummeted with this derogatory information. I am requesting that they remove this immediately and a note on my credit file saying that this debt is settled in XX/XX/2022. Thank you for your prompt response.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

" MULTIPLE PROBLEMS WITH A CITIBANK , N.A . IN U.S.A. AND IN THE XXXX. ". I HAD BEEN TOURING AS A RETURN RESIDE T IN XXXX WHEN I LOST POSSESSION OF MY CITIBANK BEBIT MASTERCARD IN XX/XX/2018. ON XX/XX/2018 ;. I REPORTED TO THE CITIBANK RESOLUTION FOR ESCALTION TEAM TO TAKE INTO CONSIDERATION, MAILING MY LOST ITEM ( PERSONAL BANKING CARD ) REPLACEMENT FOR MY IMMEDIATE HELP. IT NEVER HAPPENED. MANY PROMISES WERE MADE AS I AWAITED IN ONE HOTEL FOR IT WAS MAILED ACCORDING TO CITIBANKING AGENT ;. THEN IT WAS RETURNED ACCORDING TO ANOTHER AGENTS BECAUSE  OF LACK OF ZIP CODING AND ISSUES FINDING THE HOTEL, 'A PLACE OF BUSINESS IN XXXX TRANSACTING EVEN OVERSEAS WITH XXXX MAIL SERVICES, ETC. ". 
" I KEPT IN CONSTANT CONTACT WITH CITIBANK BECAUSE I HAD THE INTENTION IF RESIDING IN XXXX, XXXX XXXX OF THE XXXX AND WAS UNABLE TO FIND A SUITABLE HOME FOR RENT OR PURCHASE ;. IF CONSIDERED WITHOUT ACCESS TO MY FINANCIAL INSTITUTION AND CITIBANK 'S PERDONAL ACCOUNT FUNDS. '' " I HAD NOT BEEN SUCESSFUL WITH USE OF ONLY A DEBIT CARD FROM ANOTHER DEPOSIT ACCOUNT ''. " ANOTHER OBDTACLE WAS THE FACT THAT I HAD NO ACCESS TO STORE MY " XXXX  '' AT ANY FAMILIES HOME THEY WERE ALWAYS KEPT AT THE XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX. '' " I HAVE NOW RETURNED TO YHE UNITED STATES WITH NEEDS OF ACCESSING MY FUNDS FROM CITIBANK LOCAL FINANCIAL INSTITUTION ''. 
". AT THIS TIME, ALL I HAVE BEEN ADVISED BY AN EXPORT MANAGER IS THAT MY HOUSEHOLD GOODS " HHG '' ARE IN THE U.S.A. IT IS UNDER THE CONTROL OF A BROKER COMPANY, XXXX XXXX XXXX And XXXX XXXXXXXX XXXX XXXXXXXX. ". I AM BEING REQUESTED TO MAKE PAYMENT BY BANK ACCOUNT ONLY BUT HAD NO ACCOUNT TO DRAWN ON. NONETHELESS, I OPENED AN ACCOUNT WITH ANOTHER FINANCIAL INSTITUTION CALLED XXXX XXXX. HOWEVER, THIS ACCOUNT IS NOT EXACTLY ACCESSIBLE TO ME AS MY DEBIT CARD WAS CLOSED. FUTHERMORE, IT IS UNDERGOING REVIEW AS A RESULT OF UNK. REASONS. '' 1 ) " CITIBANK HAS NO FINANCIAL INSTITUTIONS IN THE STATES OF MISSISSIPPI AND TEXAS, currently ONLY ATM outlets ''. 
2 ) " CITIBANK HAS ALSO REFUSED TO ALLOW THE REISSUANCE OF A NEW BANK CARD TO MY CURRENT ADDRESS IN THE U.S.A. '' 3 ). " I WAS TOLD THAT I MUST RETURN TO ANY UNITED STATES OF AMERICA FOR IDENTIFICATION PURPOSES. I ASKED IF ANY OF THE 50 U.S.A. STATES WOULD DO, AND YES I WAS TOLD. '' " THESE ARE THE REASONS THAT I NEED IMMEDIATE ACCESS TO MY PERSONAL CHECKINGS ACCOUNTS WITH CITIBANK TO OBTAIN MY FUNDS.
Product: Mortgage

Loan was sold or transferred to Statebridge Mortgage. 
They are not providing accurate information about account. 
Shows I owe for two months when I have paid every month for 5yrs.