23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am in the process of refinancing the mortgage & HELOC with XXXX XXXX. 
Network Capitol is the new lender. The locked in rate is 3.75 % 30 year fixed. We were supposed to close yesterday. Today XXXX XXXX of that company called & increased the rate to 4.125 % with additional closing costs of around {$700.00}. If I am willing to stop the refinancing he promised to pay back the appraisal fee of {$640.00}. 
First he increased the points & now he has increased the interest rates & costs. 
Please investigate this matter & order them to close or compensate me for financial losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want XXXX XXXX, Experian to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 Personal Information - **Incorrect Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ** XXXX XXXX XXXX XXXX XXXXIncorrect Previous Address : ** XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - XXXXIncorrect Previous Address : ** XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Current Address : ** XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX **Incorrect Date of Birth : ** XX/XX/year> Collections - **XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My identity was compromised and I have taken measure to ensure this doesn't happened again. Someone made several attempts to secure loans or other forms of credit in my name. Pleas remove the Inquires that are listed. I have tried reaching out to the creditors in question. They all respond with the same responses, challenges my initial companion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I had a Capital One credit card back in 2000 or so. I got rid of it because it was not affordable anymore. I was contacted by the bank once or twice. I paid what I could. They, in turn, waited 19 years and now are garnishing my check for about XXXX % of the gross. I thought the limit was XXXX % of the disposable income. So now my wife and I can not pay our rent on time, it is hard to make car payments, get groceries, etc. They have put us in a position where we can not afford to live in XXXX County and have nowhere else to go. My wife is disabled and I am her caregiver. I need to know if you can help me and if any complaints related to this one have been filed with you.
Product: Vehicle loan or lease

I reached out to my company on XX/XX/XXXX to defer a payment and I was not approved. I was advised I could make a lesser payment but because I made a partial payment in XX/XX/XXXX I would need to make a full car paymnet. I advsied the agent I only made on partial payment in XX/XX/XXXX prior to my vehicel being repossed and when I paid to get the vehicle back I covered that. I was then advised they cold send me my payment history. I looked at the payment history online as well as my bank statement showing I made a payment un XX/XX/XXXX( which covered XX/XX/XXXX ), a payment in XX/XX/XXXX ( which covered XX/XX/XXXX ) and a payment at the end of XX/XX/XXXX ( Which covered XX/XX/XXXX ). I was advsied they will open case # XXXX, and I should hear something within 72 hours. I called today and had the exact same conversation as I did last friday with no one calling me back and my loan continue to accure fradulent interest and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX XXXX. Account Name. XXXX. Account Name. XXXX. Account Name. XXXX XXXX. Account Name. XXXX. Account Name. XXXX XXXX. 

15 U.S.C 1681 section 602 A. I have the right to privacy 15U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my express written permission.

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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S. C 6802. A financial institution may not, directly or indirectly through any affiliate, disclose to a nonaffiliated third party any nonpublic information unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed fraudulent activities on my account. This is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS VIOLATING FEDERAL LAW AND REFUSING ME ANY ACCESS WHATSOEVER TO MY CREDIT REPORT SINCE XXXX XXXX ARE COMMITTING ILLEGAL ACTIVITY UNDER FCRA.I CANT GET MY WEEKLY FREE REPORT UNDER THE ANNUAL FTC FREE ANUAL CREDIT SITE OR ONLINE WITH TRANSUNION. XXXX HAS BLOCKED ME FROM ANY REPORT OR DISPUTE AND LIES TO CFPB, ESPECIALLY SAYING THAT IM AN UNAUTHORIZED PERSON. I DEMAND MY WEEKLY CREDIT REPORT FO FREE ONLINE NOW!! I DEMAND TRANSUNION INVESTIGATE XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY ARE FRAUD AND ILLEGAL ITEMS. I CAN NOT ACCESSMY TRANSUNION REPORT AND I DEMAND IT NOW AS IM A VICTIM OF IDENTITY THEFT AND TU REFUSES TO INVETIGATE MY COMPLAINTS. TRANSUNION IS VIOLATING FEDERAL LAW BY DENYING ME MY TRANSUNION REPORT!! STOP IT AND GIVE ME ACCESS NOW!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address not mine accounts that were filed to the ftc 60 days ago
Product: Credit reporting

RE : XXXX credit Card Missing payment history Dear CFPB : Upon review of my credit report, I discovered that my payment history reporting on credit card account from XXXX XXXX XXXX was missing 12 months of payment data from Experian. The account payment history credit report on XX/XX/XXXX reflects the original opening date of XX/XX/XXXX and reporting data on that month XXXX XXXX XXXX. 
My XX/XX/XXXX credit report reflects a change in the " XXXX reported date '' stating XX/XX/XXXX and XXXX months of payment history deleted from this account. 
This account has a perfect payment history and is not reported correctly by the credit agencies. I suspect that someone had done this to cause the age of the account to shorten thereby causing credit score changes/anamolies. I have contacted XXXX and informed them of the dispute, I am following up with the CFPB in regard to this situation because I suspect the employees, credit managers, or data furnishers of the agencies are manipulating credit data to cause reductions in individual consumer credit scores. 
I ask the CFPB to investigate these issues of missing payment data on existing consumer accounts that are in good standing. 

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

I made a recent payment on my loan to Sun Loan and today I get an alert that I am 30 days delinquent. My account status when reported was not delinquent. I am currently not over 30 days late.
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.

And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Dept of EducationXXXX XXXX XXXX XXXX XXXX / amount {$1700.00}, Dept of EducationXXXX XXXX XXXX XXXX XXXX amount {$3500.00}, Dept of Education/ XXXX XXXX XXXX XXXX XXXX {$4300.00}, Dept of Education/ XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2800.00}, Dept of XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX Dept of Education/ XXXX XXXX XXXX XXXX /amount {$3000.00} Account name : Discover XXXX XXXXXXXX /amount $ XXXX PAID OFF XXXX XXXX XXXX XXXX XXXX XXXX /amount {$720.00} =PAID OFF XXXX, XXXX, and XXXX have 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 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 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: Credit card

On XX/XX/XXXX, I contacted the BOA customer service team through both a phone call and an email regarding a {$270.00} airline change fee from XXXX XXXX XXXX, charged to my BOA XXXX XXXX XXXX credit card ending in XXXX. During the call, the representative confirmed that this charge would be applied toward my XXXX XXXX XXXX XXXX XXXX, as the transaction date ( XX/XX/XXXX ) qualified it for the benefit. 


On XX/XX/XXXX, I followed up via email because {$130.00} of the {$270.00} charge remained uncredited, despite having {$300.00} available for the XXXX XXXX XXXX XXXX XXXX. I initiated a dispute for the {$130.00} charge and requested that the credit be processed within two business days. I also indicated that I would escalate the matter if it remained unresolved.
Product: Credit card or prepaid card

I make a couple of online purchases with my key2benefits card and then tried to go to the store and it would not work. After this i tried to call to obtain information on why i couldnt access my money anymore the automated system said my card was in an invalid status not directly telling me why it went into an invalid status. I tried to get in contact with a representative multiple times Ive stayed on hold for hours until the music would just die out and no agent would ever pick up the phone. So i have {$1300.00} stuck on my key2benefits prepaid card and no way to contact anyone about getting it off. I called the unemployment customer care number and they tried to help and also give them a call but they Said they received no answer as well and that they had no way of getting it resolved. They also wont let me update my information on there i had a number change and they might have reached out to that but i wouldnt know
Product: Debt collection

I spoke with XXXX XXXX, who stated he was the manager, today ( XX/XX/2021 ) after they contacted a colleague of mine on her work phone line. I asked how they got that information and he refused to tell me, saying the " only right I have is to pay the debt. '' He continued to say " I don't ask you what you do at your job. '' He would not provide me with any information regarding how he obtained my colleagues contact information or anything. The only thing he said was how much I owe and to what creditor. On top of that, they call multiple times per day. I told him I wanted to revoke any permission to call any contact phone number he has and only communicate in writing to my home address. To which he replied that is not my right. 

I have filed a complaint with the original creditor and am waiting to hear back from them about getting the collections activity transferred back to them. The original creditor has been sympathetic and are doing what they can to help transfer the collection activity back to them or another debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND TIME DISPUTING FRAUDULENT ACCOUNTS AND UNAUTHORIZED INQUIRES. I HAVE SENT IN MY POLICE REPORTS, FTC REPORT AND IDENTIFICATION VIA MAIL CONTINUOUSLY. THESE ACCOUNTS KEEP COMING BACK VERIED AND ACCURATE WITH NO PROOF. I HAVE LOOK AT MY XXXX XXXX AND NONE OF THESE ACCOUNTS ARE LISTED. I WANT TO KNOW HOW ARE THESE FRAUDULENT ACCOUNTS ARE BEING VERIED. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.
Product: Checking or savings account

On XXXX XXXX XXXX I signed up for a checking account online and was approved a day later. 

I did receive emails however none of them included the full account number. Only the last 4. The full account number needed to enroll into online banking. 

I have tried calling and no agent can help me without the account number. No manager will call me back. They also can not confirm if a debit card or temporary checks will be sent to the address on file. 

There was no mention in the terms that I would need to go into a branch to access my account online. Only that I gave them permission for electronic processing. 

At the moment, there are no retail branches within XXXX miles. For personal reasons, I am unable to travel over XXXX hours. That is the reason I applied online. 

I tried applying again with a different email and some emails were rejected by XXXX. Nothing in the spam folders. 

The application numbers to check the status do not work. 

At the moment, Midfirst Bank has transfered {$100.00} from my XXXX account two times. XX/XX/XXXX and XXXX XXXX 

I am not able to access those funds. I will also be charged {$4.00} a month due to not being able to setup online banking with estatements. Including other fees from any other account opened. 

It is unfair to approve online applications without explicitly stating that the applicants must visit a retail to access their hard earned funds. 

The full account details should be accessible online or ask for information that the consumer knows without visiting a branch.
Product: Mortgage

TILA violations 1. Company removed contract out of the system to avoid TILA and it is notated that in my file with NACA. 
2. I did not get anything in writing within the three-day time frame and NACA works on Saturday.

3. I also did not get anything in writing about XXXX accommodation. 
I had no frustration with my housing counselor, and she was wonderful, but my complaints came from management with my loan file. 


Providing Loan Estimates to Consumers- 1. When is a creditor required to provide a Loan Estimate to a consumer?

Hide Generally, a creditor is responsible for ensuring that a Loan Estimate is delivered to a consumer or placed in the mail to the consumer no later than the third business day after receipt of the consumers application for a mortgage loan subject to the TRID Rule. 12 CFR 1026.19 ( e ) ( 1 ) ( iii ).

For transactions subject to the TRID Rule, an application consists of the submission of the following six pieces of information : The consumers name ; The consumers income ; The consumers social security number to obtain a credit report ; The property address ; An estimate of the value of the property ; and The mortgage loan amount sought.

12 CFR 1026.2 ( a ) ( 3 ) ( ii ).

If the consumer submits these six pieces of information, the requirement to provide a Loan Estimate is triggered, and the creditor must ensure that the Loan Estimate is delivered or placed in the mail within three business days. The creditor or, if a mortgage broker receives a consumers application, either the creditor or the mortgage broker may mail or deliver the Loan Estimate.

Because the definition of application refers to the submission of the six pieces of information, merely maintaining such information from a previous transaction or business relationship does not constitute receipt of an application ( unless the consumer indicates that the information maintained by the creditor should be used as part of an application ). Additionally, if a consumer starts filling out a form online, enters the six pieces of information that constitute an application for purposes of the TRID Rule, but then saves the form to complete at a later time, the consumer has not submitted the six pieces of information that constitute an application for purposes of the TRID Rule. See 78 Federal Register 79730, 79768 ( Dec. 31, 2013 ).

https : //www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/tila-respa-integrated-disclosure-faqs/
Product: Debt collection

This is a detailed response to the previous complaints that have been submitted. Navient was in violation of the FCRA and I would like for the item to be removed. The information requested has not reached me and the time frame has been well passed. As a result I am asking for the cfpb assistance to have them abide by the consumer rights law and remove the item from the credit report.. On XXXX XXXX 2017 the debt validation letter was delivered and signed for by Navient. The letter was sent from me with my current address via signature confirmation and certified mail. I waited and never received any of the requested documents. I allowed them, the law required, time frame to respond and then sent in and update and resolution assistance through CFPB. Although a response was given, stating that they printed a letter on XXXX XXXX. The address however on this letter did not correspond with the one that was submitted as my return address in my original debt validation letter. I have yet to receive the information requested and this has placed them in violation of the FDCPA Section 809 Validation of debts [ USC 1692g ]. Based on the rules established under FCRA Section 809 ; which states that if they have not validated the debt within the 30 day time frame : 1 ) they are not allowed to collect the debt 2 ) they are not allowed to contact you about the debt 3 ) they are not allowed to report it under the Fair Credit Reporting Act. Doing so is a violation of the FCRA. Based on this and supporting documentation, I am requesting your support to resolve this matter ; which is to have the item removed from the credit report please. Thank you so much for your support.
Product: Checking or savings account

USAA POLICY NOT PEOPLE I am in the process of moving. Money is in motion, and I had a payment returned ( I covered it immediately ) I saw what had happened and took out a loan against my XXXX to shore things up. The money was sent by check because I had not set up ACH. The XXXX is held by XXXX, and represented a loan against my own money. I deposited the check via mobile deposit and USAA placed a ten day hold on the funds. When I called in to see about getting help I was told by the agent I was being punished because of the returned payment. I reached out to their executive team and was told that was their policy. The funds have already settled in the account. There is no risk to USAA. I have turned off my direct deposit, and have removed the account from all payment areas. I am moving my insurance elsewhere. My mortgage and car loans will be done locally. This is a company that places policies and punishment over people. I will not send them another dime. XXXX in their executive customer service did nothing to assist.
Product: Mortgage

I applied for a refinance with Pentagon Federal Credit Union in late XXXX. Last week I was told my house was an investment property and no longer qualified for the mortgage I had applied for. The loan officer who discussed my application never notified me that the mortgage was for limited use. Second, my home is not an investment property. Third, the it took nearly three months for them to decide on the mortgage. Fourth, I had to switch to another product. They wanted me to reapply and repay the appraisal fee. Fortunately, one person there figured out how to do the re-application without paying the fee. Fourth, the information they told me was the value on the appraisal was wrong. I contacted the appraiser who told me the value he gave was 30 percent higher. Fifth, I asked repeatedly for a copy of the appraisal since I paid for it. It's been over a week. Dodd-Frank requires that they provide me a copy of the appraisal promptly. Indeed, Dodd-Frank requires that they notify me that I have a right to receive my appraisal automatically. The delays, misinformation, and failure to comply with Dodd-Frank require investigation. Also, the repeated requests for information I had already sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed the 30 days late on my credit report which was due before XX/XX/XXXX. 
I got a returned check by mail on XX/XX/XXXX as an unable to deliver with yellow Sticker. 
I was always on time on making payments. Please remove the late payment which was due on XXXX XXXX. 
I sent the check to : State Farm Bank XXXX XXXX XXXX XXXX XXXX WI XXXX Please Remove the 30 day late payment for XX/XX/XXXX XXXX