23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for loan with loan depot with XXXX XXXX XX/XX/XXXX Through out this whole Process when they say they will call back they never does. Very poor customer service! We was pre approved for loan on XX/XX/XXXX. Found a house went under contract we was supposed to close XX/XX/XXXX. Received disclosure XX/XX/XXXX signed and submitted back to loan office an we were under the impression that we would close on XX/XX/XXXX but definitely XX/XX/XXXX at XXXX XXXX. XXXX XXXX XXXX informed me that loan officeer who I had been dealing with quit, that was very unprofessional you never supposed to let a client/customer know that an employee has quit. I received a call from XXXX XXXX XXXX XX/XX/XXXX at XXXX requesting more documents that I was not able to come up within 2 hrs. Information she asked for at XXXX XXXX had never been asked for through the whole entire process. We wired {$8800.00} to the attorney. We paid XXXX earnest money we paid XXXX for appliances and also {$470.00} for apprasail. We were under the impression we were closing XX/XX/XXXX. Apartment that I was living in we moved out because we were supposed to close on XX/XX/XXXX so now I am homeless due to loan depot dropping the ball. I also feel that the reason the loan was denied at the end due to me being XXXX XXXX. My license was sent at the end of the process. So I feel at the being it was approved bc they did not no my nationality This has been very emotional distressed, I feel like giving up on life due to this. I feel betrayed. This has took a toll on my entire family. This has brought on illness XXXX and XXXX.
Product: Credit card

Chase bank representatives shared misleading information regarding a credit card offer regarding new card member bonus points and that I am eligible to apply. But when I applied, the card was not approved citing I am not eligible to apply. Now unnecessarily I will have to carry the hard enquiry on my credit history plus, I did not get approved for the card to avail the bonus offer either. The customer service department of Chase did not provide any resolution eve after filing complaint against them. Requesting XXXX  to help in this regard.
Product: Credit reporting or other personal consumer reports

Despite XXXX written requests, the unverified items still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. 

You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title XXXX XXXX XXXX XXXX States I have Right to Privacy Title XXXX XXXX Section XXXX ( a ) Section XXXX, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title XXXX XXXX XXXX ( b ) ( a ) A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I am refiling a complaint per OCC and Consumer Finance. 

I had paid off and closed the Pottery Barn Capitol One store cc due to terrible customer service. Then I filed a complaint with Consumer Finance. # XXXX XXXX. 
On XXXX, XXXX sent an apology letter saying they resolved and issued refund. The refund showed on account. 

I got notified by consumer finances. XXXX informed about refund, asked more info. 

After few days, I called CO, talked to a manager about XXXX min. I said all the info was provided. After long holds, the manager apologized, said he understood what happened. He said the refund check would be sent to me for all these since I had paid it off and had closed the account. He confirmed all info. 

I received the check in mail dated XXXX check # XXXX. After the check cleared, I followed up with Consumer Finance and the case was closed. 

A week later, a letter dated XXXX was sent to me by XXXX saying, they reversed the refund because I didn't respond to their request??? 

The refunded amount now has been rebilled to my closed account. 

I called XXXX and talked to XXXX, the XXXX today. She confirmed and declined an explanation. After a talk with her supervisor, putting me on hold, she declined to provide corporate, ceo contact info. 

I informed I would close my other XXXX accounts because of this, she said she noted it and accepted the outcome. I said I would file a legal complaint, she accepted that as well saying they will not do anything to resolve this. 

OCC and Consumer Finance informed me to refile another complaint since XXXX went behind your back and reversed their previous resolution after the case was completely resolved.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : -Agreement that you have authority to collect on this alleged debt. 
-Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
-Complete payment history on this account, to prove that the amount you wish to collect is correct. 
Sincerely XXXX XXXX
Product: Mortgage

I told them I paid SPS XXXX in XXXX on a XXXX I took out in XXXX to XXXX I. ask what the balance was they told me XXXX that was more than the original note and I stopped paying them until they forclosed that's when I sent them XXXX and they said XXXX went to interest XXXX went to attorney fees and XXXX went towards principal XXXX and now XXXX XXXX  is doing the same thing they have forclosed and sold my property and. XX/XX/XXXX Is my eviction notice I went from a 15 year mortgage to a 30 year modification there ain't no way this should happen to any one I got a mortgage audit that says they doing some illegal things and I'm not telling the hold story
Product: Mortgage

Mr Cooper took over our mortgage in XX/XX/2023. They did not have any way in place to set up payment. They said that my auto pay would transfer. It never did. I sent in a one time payment, and set up auto pay. It came out correctly 1 time, then Mr Cooper charged my account, but it did not apply to my mortgage. I have called and called and called, no one will help. I am going to report this as fraudulent charge if it is not applied in the next 2 days. It has been terrible, I have called 14 times to try and get things done correctly. They are NOT answering phones, and I wait for 10+ minutes and get hung up on.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> ; I received an email stating that my loan wasnt approved or they can provide me with any loan offers through the site of XXXX XXXX, however I didnt apply for any loans because I am always denied whenever I did try to apply for a loan with OneMain Financial. Even though XXXX XXXX has always shown they offered me loan offers and they send me loan offers through the mail as well via XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formerly informing The Credit Bureaus : Equifax, XXXX, XXXX, that I have opt out of sharing my Non public personal information with the Following Companies : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have taken appropriate steps to exercise my rights under 15 USC 6802 of Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. On ( XXXX ), I notified All The above companies that I am opting out of any and all authorization, whether written, unwritten, verbal, non-verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agency, for any purpose other than those necessary to provide me with financial products and services. I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documents of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that the above companies have continued to furnish my nonpublic personal information to non affiliate third parties, and consumer reporting agencies are still reporting my non public personal information, without my consent. 

The unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential for identity theft, fraud, or other financial harm. I am requesting that the non affiliated third parties, to stop reporting my non public personal information on my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the above companies and the credit reporting agencies complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumers like me. 

Thank You The Following are the compliant numbers Filed against each company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an account showing up on my credit report from LVNV Funding. They are saying that I have a collection account that was sent to them from XXXX in the amount of {$530.00}. I have never used anything from XXXX. So, I know that this account does not belong to me. I believe someone got my information and opened up this account. I have explained this to them, but they do not want to listen to me. 
I have been receiving numerous of phone call, email, and text messages five times a day about this account from the above-named collection agency. In 15 U.S. Code 1692d It states that a debt collector may not engage in any conduct which is to harass, oppress. or abuse any person in connection of a debt. This law has been broken. It also says in 15 U.S. Code 1692d ( 5 ) Causing a telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I am being harass on a daily basis for an account that is not or has not been mine.
Product: Credit card or prepaid card

I have been a customer of Discover for 4 years, this was my very first credit card and this situation right here has proven to be the end of that relationship. Thanks to Discover, I am out of XXXX of my hard earned money with no recourse in sight. The merchant I purchased furniture + assembly from shipped and had the furniture delivered but never actually performed the assembly I paid for. They continued to push back the appointment date ( which turned into dates ) until I eventually decided to purchase from elsewhere. I attempted multiple times to contact the merchant but I'd be on hold for so long the call would disconnect and they did not respond to numerous emails. Due to the amount of the charge, I decided to file a dispute on my Discover card hoping Discover could try and remedy the situation. Even though I provided documentation showing the numerous cancelled appointments, all the merchant did was submit my order confirmation and Discover found in their favor multiple times over the period of a few months due to supposedly finding the charge to be " valid '' which was never what I was disputing. I've been lied to by Discover 's customer service agents and have had my chain jerked around until I reached out to their supposed " executive office '' which is nothing but another call center full of even more useless agents. I've been promised call backs, that more research would be done on my situation, but nothing has been done. Discover hasn't even tried to get me a partial refund for the services that were never performed or tried negotiating an actual return/refund from the merchant who refuses to respond to me but will respond to disputes filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax + XXXX + XXXX, There is a credit card I am an authorized user on - that is not showing up on my credit reports - that should be showing up. 

This is for a XXXX XXXX XXXX XXXX  - dated XX/XX/2019 - it has always been paid on time. 

My drivers license ( for ID and address ) plus full account information is attached to this complaint. 

Please have this card show up on my credit reports as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Dispute of Incorrect Information on Credit Report Dear Sir/Madam , I am writing to dispute inaccurate information on my credit report. Upon reviewing my credit profile, I discovered that there is a debt and a Social Security XXXX reported that do not belong to me. The details of the erroneous information are as follows : Creditor Name : XXXXXXXXDEPT OF ED Creditor Name : XXXXDEPT OF ED Account Number : XXXX Account Number : XXXX Incorrect Social Security Number : XXXX I can confirm that I have never held an account with XXXXDEPT OF ED, nor do I recognize the Social Security Number associated with this account . It appears there has been a mix-up or identity theft issue, as this information does not pertain to me in any way. 
I request that you conduct a thorough investigation into this matter and promptly remove the inaccurate information from my credit report. Additionally, please provide me with written confirmation once the corrections have been made. 
Enclosed are copies of documents supporting my identity, including my drivers license and Social Security card, for your reference. 
Thank you for your prompt attention to this matter. Please inform me of any further steps I need to take to resolve this issue.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. 
The scammer is committing financial crimes, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX and XXXX wallets in the amount equivalent to XXXX XXXX. 
It should be noted that one of the Companys, happen to be a client of Binance, and owner of wallet : XXXX
Product: Credit reporting or other personal consumer reports

Global Lending Services is reporting on my credit profile for the name of XXXX XXXX who is not me. My name is XXXX XXXX, I have not gone by any other names. I am a victim of identity theft and ask that you guys please remove it from my profile
Product: Debt collection

In XXXX of XXXX, a rollover of {$500.00} was made from my XXXX XXXX account to my XXXX XXXX  account. This was a completely legitimate and authorized rollover as confirmed by my employer and the terms of my employment with the XXXX XXXX Wisconsin. The rollover was approved and recorded on my XXXX account balance. There was and is no reason for denying this rollover. Now, over three years later, Optum Financial claims the rollover was NOT legitimate and that claims they originally incorrectly denied in the amount of {$480.00} for other reasons, are now denied on the basis of an unapproved rollover. There is no evidence, rule or reason to reverse this rollover and I respectfully request that my account be restored with a balance of zero.
Product: Credit card

My XXXX Extras Mastercard was maxed out and I was unable to make payments due to a short period of having little work being self employed at the time. ( Before this time I always made my payments on time and was able to get my card paid down ). I called XXXX and shut the card down at which point they lowered the interest rate so that I could get the card paid down. Everything was going well and after a period of time they sent me a letter saying that our payment agreement and interest agreement was up and that my interest rate would again rise to 18.24 percent. I have been calling to try and speak with someone about this but they just keep transferring me to another number where I go through the same thing. They are giving me the run around and avoiding speaking to me. They keep telling me they are sorry and will connect me to someone who can help and give me numbers to call but I can never get a hold of anyone that says they can help and the numbers they give me are just another number to the main automated payment number. At this rate I will never be able to pay this card off. Interest accounts for XXXX of my payments. How is this legal?
Product: Mortgage

It is now XXXX/XXXX/2016. As stated before, we were left no option but to do a died in lieu with BSI. We have lost our home of 18 years even after being able to provide proof of sufficient income to make payments if the loan were to have been modified. We did everything we could to save our home. BSI has been the most unprofessional company we have ever worked with. Im asking you to please review all records, phone calls and proof of income. I have kept and printed off all emails. The number of staff and representatives we went through in this horrible process. We ended up in contact with the CEO of BSI. With all of this being said, we have turned over all contact via email and mail and phone calls to our attorney. We are going forward with a law suit as this loan has been so mishandled and ended up in my family being homeless. This has also been reported to the housing authority, HUD, and XXXX. Its a shame that this company remains in business. Please take the time to review, research and investigate how loans are being handled.
Product: Credit reporting or other personal consumer reports

I did a dispute with Experian concerning a XXXX XXXX account. The account is closed and was already paid for because they wrote it off. It's against fcra regulations because it shows a balance and closed Plus monthly payment schedule. I have tried to resolve this through them and they keep putting it right back up within a day or so and I know it takes longer than that for them to do their job so therefore they are going by previous doings. I can not get nowhere with these people and I know there's a lawsuit against them over this kind of stuff and I ask that you take that into consideration also when dealing with these people.
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. 

Account name # XXXX XXXX XXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX  XXXX , Account name # XXXX XXXXXXXX XXXX, Account name # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX 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 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: Student loan

This compliant is on the grounds of discrimination and XXXX XXXX deceptive practices, abusive acts regarding a private student loan against XXXX XXXX XXXX in an Adverse Credit decision. Regarding false and misleading information regarding a Consumer Credit Transaction with XXXX XXXX XXXXCollege Ave I applied for private student loan on XX/XX/XXXX, XXXX XXXX XXXXCollege Ave and was approved for {$62000.00}. to attended XXXX XXXX University. My Private Student Loan with XXXXXXXX XXXX XXXX XXXX College Ave was Application was approved. However, XXXX XXXX University refused to certify my Private Student for XXXX after receiving balance of XXXX for remanding tuition cost. XXXX XXXX University did not wait to certify Private Student loan for housing, books, materials, transportation, medical. Which is true intendedpurpose of my student loan Consumer Credit Transaction outlined in speculated in SECTION 5 : DEFINITION of consumer Credit Transaction. So, I declined attending XXXX XXXX University, and choice to accepted and attend XXXX University. I reach out to, XXXX XXXX XXXXCollege Ave to change the school 's name on loan Application and send loan Approval to XXXX University . I was told by XXXX XXXX Customer Advocate for XXXX XXXX XXXXXXXXCollege Ave that I needed to apply for another Private Student loan, I mentioned was already approved she then stated to apply and was dined for, both Loan application Number # XXXX XXXX University Loan XXXX XXXX XXXX XXXX University. My credit Report with XXXX is the exact same Dated XX/XX/XXXX as of today XX/XX/XXXX. The only difference on my XXXX Credit Report is today, Inquiry by College AveXXXX. 

However, my income did increase to over XXXX, by way of Private Contract signed at begin of year of XXXX Private Student Loan application XXXX was approved from the same student loan/ lender on XX/XX/XXXX, to XXXX XXXX University . Loan approval amount {$62000.00} ( Account ID # XXXX ), On XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX College Ave also Cancel Approval Private Student Loan application XXXX after telling to apply for Student Loan on XX/XX/XXXX Today after approximately 30 minutes College Ave sent XXXX letter to my email address stating that " We were unable to approve your loan application at this time. " At this point I feel that this is discrimination and that this does not employee the Federal Equal opportunity Credit Act. Its violation of TILA 15 USC 1602 ( g ), TILA 15 USC 1602 ( I ) Please see attached documents to verify my compliant. In a consumer credit transaction this is illegal 15 USC 1691 & CFR 1002.2 ( Adverse Action ) My request is that this is approved.

This is a violation, plus damages. Within 48 hours this issue will be reported to CFPB. 

Please correct this error. 

XXXX Please see in attachment Approved student loan on XX/XX/XXXX Please see attached Acceptance to both Universities XXXX and XXXX XXXX XXXX Please see XXXX Credit inquiries
Product: Debt collection

There is no evidence that I made the purchase that is being claimed. My card was stolen and I was unaware of any purchases.
Product: Payday loan, title loan, personal loan, or advance loan

My identity has been compromised in mulityple data breach.