23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Exactly! 

More options and choices have opened up on this website or cfpb portal for me to choose or report when making a complaint to financial institutions or on my case mortgage companies for past transactions. 

I've seen this before but forgot. I won " this time. 

XXXX XXXX is using a service on me to limit my internet info that i see and communication where they alter info and what can be seen on the internet by the homeowner they are targeting. I describe as being or living in bubble of misinformation at all times. All public computers around you, all phones you can obtain, anywhere you can or could use the internet, they make sure to hack so they can filter/alter/change to their discretion to basically control the homeowner from exposing the fraud they know of that these mortgage companies are doing. 

Get me out of this bubble of misinformation and stoop controlling my internet information to fit your needs. I know how the CFPB is supposed to look when logging and filing a complaint! Ive known for some time now and the filtered version you had on me for so long aint it! I just didn't find value in reporting it sooner but will not stop reporting it now until you take it fully off! 

They have opened me up to identity theft where the fraud is still trying to be committed on me y getting me to give up my login info to credit websites like XXXX  you see in snapshot attached. I seriously doubt that email address is legit. 

Also, see attached correspondence by IRS they sent to me. I don't recall inquiring about anything regarding last years taxes but that's mainly because i never filed them. Please tell me someone didn't commit more tax fraud on me by filing last years taxes for me to recognize the capital gain i need to recognize for the cancel debt of my home loan by New Rez. Yea, maybe if i was informed and it wasn't hidden from me until after XXXX. XXXX, the date i was evicted and thrown out of my home i come to find out i fully own, i might of actually made that inquiry with the IRS so wouldn't raise any red flags. But it does. And its because of the Tax Fraud that continues to be done on me. 

Also, see proof of homelessness i attached. Im homeless over here living in a shelter becaseu of the fraud XXXX XXXX did to me bu thats no the unbelievable part to this all i say. Its that all this time im claiming to be homeless, its actaully not true. Apparently, this whole time I owned the home! Homeless but I own a home. In full. Deed transfer and everything that if property taxs for last year that i owe ( when dont have a mortgage, theres no escrow takne out to pay prop taxes for you at end of yr ) arent paid soon, i stabd to lose it due to a tax foreclosure. Can you beleive that? This has to be cruel joke or some really messed up protocol done to homeowners they committed fraud on are destroyed and eventually disposed. XXXX  but i own a home! Makes no sense! And wont form much longer since im being kept from getting a phone that could lead to getting a job that would afford me to pay property taxes i owe that could actaully help me retain my home. That I didnt even know all this time, i own!
Product: Credit card

COMPLAINANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Florida XXXX XX/XX/XXXX Re : Disputed Increased Interest Rate RESPONDENTS TD Bank XXXX XXXX. ( issuer ) XXXX XXXX XXXX XXXX ( license ) ) Nordstrom ( retail ) Customer Service ( third party ) I am a XXXX widow and have been a credit card holder of the above Respondents credit card since XXXX. After a careful review of my credit card statements from 1999 to present by a business professional, I am disputing {$18000.00} in unauthorized, predatory, deceptive, abusive, phony, manipulative, negligent and exploiting the elderlys credit card interest rate by unconscionably increasing the interest rates fourfold, and without the 45 day notice, violating The Card Act and Florida Statute 825.101 & 825.103. All merchant transactions were paid for in full. The Respondents unauthorized and unconscionable increase in interest rates were nullified by violation of law. The card holder gives Respondents notice, that the card holder does not authorize and will dispute any late payment fees, payment penalties or interest increases on the disputed interest balance amount from this date forward. The card holder also gives notice, that the Respondents must hold and treat all disputes in abeyance until resolved by the parties. The card holder never made a late payment even though the interest rate was increased fourfold. This is taking advantage of the elderly that survives on a fixed income, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

West Creek Financial on XX/XX/2020 report an account as an Closed/Charged Off on my Consumer Report and this is a violation of my Constitution Rights. For 15 USC 1681 ( b ) ( A ) ( 2 ) states " Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. '' I never in no way shape of form gave West Creek Financial permission to present any Consumer Report on my behave so i want this this reflection report from them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I obtained a mortgage from XXXX XXXX. I wanted to make extra payments so XXXX referred me to XXXX so that an additional payment to the principle would be made each year. XXXX notified XXXX anytime there was a change in the amount ( e.g., the escrow went up or down ) so XXXX could adjust the amount automatically deducted from my account. In XXXX my mortgage was sold to Freedom Mortgage ( XXXX XXXX XXXX, XXXX, TX XXXX ). The escrow was adjusted in XX/XX/XXXX ( the mortgage went from {$1800.00} to {$1900.00} ) ;  XXXX was not notified so they deducted the usual amount which was sent timely to Freedom. However, Freedom did not apply those monies to my mortgage. I was contacted and immediately paid the additional monies as well as additional charges. Freedom filed a negative credit report against me ( and I have always had an excellent credit report ) saying I owed them {$1900.00}, when in reality it was just {$17.00}. I filed a dispute claim with them and with XXXX, but Freedom has refused to remove the negative credit report and XXXX has not changed my report. Freedom Mortgage 's negative credit report is fraudulent since there was only {$17.00} owed not {$1900.00}. I would like this negative credit report to be removed from my credit reports.
Product: Debt collection

i have a payday loan which went into collection agency XXXX,XXXX XXXX XXXX, XXXX , XXXX XXXX, acc # XXXX, monarch file # XXXX.orignal debtor was XXXX XXXX, XXXX check cashing. i settled this debt with them on XXXX/XXXX/2011 and they send me settlement letter. now another debt collection agency debt recovery solutions, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, acc # XXXX is trying to collect same debt from me.they placed the debt on my credit file. i tried to reach out to them but no solution.please help. thanks
Product: Student loan

I requested that my new student loan lender, Earnest, apply the extra {$50.00} a month my employer pays on my behalf towards my principal balance, and I was told that the only way that could be done is if my employer sends it on the same date my payment is processed. I cant control my employer sending this payment. The lender stated the following : Yes, it is legal. This is actually a very normal policy for most lending companies. The accrued interest on the loan needs to be paid first before the principal can be paid down.
Product: Checking or savings account

I was offered a {$300.00} promo credit for adding a new checking account with Chase Bank. I used the promo link they provided which automatically applied the promo code ( XXXX XXXX XXXX XXXX ). The terms required setting up a direct deposit which I did. 

I created the account on XX/XX/2022 and the {$300.00} bonus was supposed to be added on XX/XX/2022. That never happened. I have called and spoken to Chase representatives on more than 5 occasions now. Each time they have promised a resolution and it had yet to happen. As of my last phone call on XX/XX/2022, Chase has claimed that no promo code was ever applied to my account. This is false.

It appears Chase is either intentionally attempting to defraud me, or their customer support in inept beyond belief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft I need these accounts block from my XXXX   accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My wife and I are both XXXX veterans and I am still active with the XXXX XXXX. What the people at XXXX have done to us is abhorrent. All the people at that company have done to us over the years is lie and take advantage of us. We haev written a letter outlining all of our issues and are happy to provide whatever we can to make this right and cancel out our entire ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of credit fraud my identity has been compromised. I don't recognize these inquires please remove from my account. I have a freeze on my report. Please remove these inquires please review the list below. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX,, XXXX, OR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account R & R COLLECTION SERVICE Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that R & R COLLECTION SERVICE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus 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 they do not validate these accounts, I will take legal action against them. They must follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a cash-out refinance on a triplex in North Dakota with American Financing in XXXX of XXXX. On XX/XX/XXXX I received an email from American Financing advising that my credit report was showing that my primary residence was in forbearance, which it was, and I confirmed that it was with the mortgage consultant, XXXX XXXX. He confirmed over the phone that the forbearance on my primary home would not be an issue, and on XX/XX/XXXX, I received a Pre-Approval letter from American Financing. On XX/XX/XXXX, I received a conditional approval letter from American Financing. The property appraisal was scheduled and conducted on XX/XX/XXXX. The appraisal came in low, and on XX/XX/XXXX, XXXX provided me with additional loan options that would serve my purposes. Between XX/XX/XXXX and XX/XX/XXXX I followed up with XXXX and XXXXmerican Financing for status updates. On XX/XX/XXXX, XXXX called me to advise me that my primary residence was in forbearance, and therefore they could not write this loan. I advised him that this fact had been known since at least XX/XX/XXXX, and asked him why this is just now becoming an issue. He responded by saying that since American Financing, with full prior knowledge of the forbearance, had issued the pre-approval and conditional approval, he did not think that it was an issue. 

On XX/XX/XXXX I received a denial letter from American Financing with the reason for denial being " We do not grant credit to any applicant on the terms and conditions you have requested. '' and " Other : loan program not available ''. It seems clear that American Financing in their denial is attempting to avoid responsibility for their mistake. I was told by American Financing that the sole reason for the denial was the forbearance on my primary home, but they are trying to avoid saying that because they had full knowledge of that fact throughout the entirety of the underwriting process. They also provided me with several loan options and offers, which makes their denial patently false and a blatant lie.

I was also required by American Financing to move the title of the triplex out of my LLC and into my personal name which has caused me to incur unnecessary costs as well as expose myself personally to potential liability. Additionally, their mistake has caused me to waste 5 months working on this loan, when I could have spent that time working on another solution.

Due to all of this, I would like to see whether under FRCA American Financing can be held to their offer to extend credit based on their full and complete knowledge of my credit profile and the forbearance on my primary residence prior to denying my application based on said forbearance. If not, I am seeking recompense for the extraordinary time and effort that I have wasted on them, and the expense incurred having to redo title work that I was required by them to do under the loan. Please advise on any recourse that I may have against American Financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX CLIENT NAME recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX we opened aa Credit Account with Community Capital to shop on Appliances Connection Web-Platform. We ordered some appliances which were delivered very late. 
XXXXXXXX XXXX  never sent us an actual card, never sent us any paper statements. The only way to find out were, when and how much do you need to pay is to find their phone number online. On XX/XX/XXXX, I was notified by my credit monitoring service that a negative report for late payment was reported to my account. Per records I the payment was late back in XX/XX/XXXX. I called the creditor and they told that my payment in XXXX was late. I told them the XXXX have being charging my account automatically. In XXXX the creditor charged my bank account automatically twice for XXXX $ each transaction, even when the minimum payment was XXXX XXXX Specifically, on XX/XX/XXXX and XX/XX/XXXX ( please see the statement attached from XX/XX/XXXX ) Then another charge of XXXX $ was processed on XX/XX/XXXX. 
In XXXX I checked my account I noticed that the creditor processed a refund dated XX/XX/XXXX I called the Creeditor and I was notified that their system charged my account twice so they issued a refund in form of a paper check. They asked for another card information, which I gave them and they have being processed payment automatically ever since from the same bank account. Me as a consumer I did everything that had to be done for my balance to be paid, when the creditor deliberately charges my account then issues refunds, stops charging my bank account and never notifies me of any payment issues and makes incorrect credit reporting 5 months after. The Creditor incorrectly reported a 30 days late payment for the month of XXXX which was never late. I filled a dispute with All XXXX credit reporting agencies twice already and Creditor still refuses to correct their mistakes.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was unable to get credit file of social security number signature due from webmaster interference with user input. My legal name is three letters long that stands for something, and the webmaster put an illegal name that stands for nothing before customer 's birth-given name that denies customer access to perfect credit file issued with customers account name.
Product: Bank account or service

Citi offered a promotion that awards XXXX Thankyou points when you open a checking account using offer code XXXX before XXXX/XXXX/2015, and make XXXX bill pay within 60 days after your account opened. So I applied that citi gold checking account on line with the offer code XX/XX/2015, and did XXXX bill pays within 60 days. Also I checked several times with Citi representatives, and they confirmed that I am qualified for that offer and will give me the XXXX Thank you points within 90 days. But now 90 days past, and they rejected to honor the XXXX thankyou points.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TransUnion have not removed the inquiries. I can't call any of the agencies. The phone numbers do not allow you to proceed nor speak to a live person. The only thing that was corrected was my name. XXXX, XXXX  nor TransUnion did not attempt to fix the problem regarding the inquiries. This has happen before to my credit report in the past regarding wrong names, addresses and inquiries. 
Thank you for your help!
Product: Credit card or prepaid card

In XXXX of 2021, I applied to be extended credit from Discover. I applied through their website, providing them with my social security number. I was denied. 
XXXX XXXX XXXX I called Discover a XXXX days later and asked why I was denied. Discover representative stated it was because of information on a consumer report provided by XXXX. I expressed that I have a credit report that I can give them that is accurate because XXXX is furnished information about me that I have not consented to be furnished. The Discover representative ( who claimed to be a XXXX XXXX XXXX expressed Discover only gets reports from the three major credit bureaus which he stated are XXXX XXXX XXXX XXXX and XXXX. I asked, who made them the major three?. To which he had no response. 
I informed him that I am the original creditor and that Discover -since taking my XXXX digit security number ( social security number ) should extend credit back to me. 
He stated, that is not how it works. 

However, I know that is what the law states. 
He shared that Discover would not be extending me any credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hopefully this complaint isn't overkill. 

With covid-19 in our lives it seems like everything is taking far longer than it should. Packages are intermittingly arriving late, appointments are being delayed, and in general things aren't being done on time if at all. Due to all of this I no longer have trust that things will get done appropriately or in a timely manner. As such, I have decided to file this complaint against Equifax, XXXX, and XXXX XXXX. 

On XX/XX/2020, I sent a notice by mail to all three credit bureaus. There is a collection that is reporting with all three bureaus and I know this account is far more than 7 years old. I told them the account hadn't had activity in more than 7 years and therefore it needed to be removed. We are on XX/XX/XXXX and I still don't have any notices. Instead of waiting to see if it arrives later, I took the pre-emptive stance to file this complaint to make sure the credit bureaus respond to it. Please understand my credit is my lively hood and I take it very seriously.