23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Freedom Mortgage is currently my mortgage lender and I am writing to formally file a complaint against them, specifically regarding the handling of my Home Equity Line of Credit ( HELOC ) inquiry by Mortgage Loan Officer XXXX XXXX. I believe that I have been provided with misleading information, which has led to unnecessary financial expenses ( {$580.00} upfront fee ) and an unsatisfactory customer experience. 

On XX/XX/scrub>XXXX XXXX XXXX I initiated contact with Freedom Mortgage to inquire about a HELOC. XXXX XXXX promptly responded, expressing the need for a phone call to discuss the details. Due to a busy training schedule, I informed him that I would be available after XXXX XXXX  and inquired about the information needed to access the equity in my home. 

After a conversation with XXXX XXXX on XX/XX/year>, I proceeded with the application process, under the impression that I was applying for a HELOC. It was only on XX/XX/year>, that I discovered, through a conversation with a friend and a subsequent inquiry, that Freedom Mortgage does not offer HELOCs. This information was not communicated to me earlier in the process. 

I am deeply concerned about the lack of transparency in this matter. XXXX XXXX did not disclose the unavailability of HELOCs until almost two weeks after my initial request, despite repeated communication. This delay resulted in wasted time, money spent on an upfront fee for a service Freedom Mortgage does not provide, and an unnecessary inquiry on my credit report. 

Furthermore, I expressed my preference for a HELOC due to personal circumstances, and XXXX XXXX did not properly inform me about the available options. Instead, he continued to pressure me to proceed with a different product ( refinance ) without a thorough explanation of the terms and implications. A refinance does help me but puts me an a worse position ( unfavorable terms then what I currently have ). The HELOC made the most sense to just take a small amount at a higher rate instead of refinancing the entire amount at a higher rate. 

As a customer in the midst of a divorce, I trusted that the Mortgage Loan Officer would guide me through the process with my best interests in mind. Unfortunately, this has not been the case, and I feel misled and dissatisfied with the service received from Freedom Mortgage. 

I request a thorough investigation into this matter and appropriate action to rectify the financial and credit-related consequences I have faced due to the misinformation provided by XXXX XXXX. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply upset that XXXX  continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/XXXX dispute results, for the second time same issue. BK # XXXX from was removed from my XXXX  credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by XXXX. Due to this inaccuracy being reported my family and I are being affected. I am on XXXX XXXX from the XXXX of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

XXXX continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXXXXXX XXXX XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.
Product: Credit card or prepaid card

I have received multiple Citibank AAdvantage co-branded personal and business cards over the last two years to get multiple sign up bonuses. On XX/XX/XXXX I received an e-mail from XXXX XXXX that my AAdvantage account had been suspended with them claiming it was due to misrepresentation. I have never misrepresented myself to XXXX XXXX or Citi bank. This suspension led to them seizing all of the miles in the account which totaled near XXXX at the time of suspension. On XX/XX/XXXX I closed onXXXX of my Citi AAdvantage Business accounts and tried to explain to Citi my issue but the customer service rep did not seem interested. I have tried reaching out to XXXX XXXX multiple times with no response from them. As it stands the remaining Citi AAdvantage personal cards I have are severely limited. I can no longer earn award miles as promised in the terms of the credit card contract and I am not sure if I will receive my other card benefits such as a free checked bag or early boarding when flying XXXX XXXX. Citi needs to explain to XXXX XXXX that the miles I earned are legitimate and therefore this account suspension is unwarranted. As it stands it appears that either Citi or XXXX XXXX are uncomfortable with the amount of miles I earned using their promotions and do not want to honor their part of the contact.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX - Late Payment XXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX XXXX XXXXXXXX - Late Payment XXXX XXXX XXXXXXXX - Late Payment
Product: Vehicle loan or lease

Credit Acceptance had a dealership sell me a car with hidden interest costs and surreptitiously include expensive add-on products with my vehicle without my knowledge and proper disclosure.New York has a convoluted body of usury law that deems certain loans usurious and invalidates them This criminal conduct has caused extraordinary damages to my health, my personal life, and my credit score. The Attorney General has been sent a copy of this communication as the Attorney General 's Office must help with these ongoing illegal practices. 
there is also a current lawsuit on CAC that furthermore explain their illegal tactics. The lawsuit seeks to force Credit Acceptance to stop its illegal practices, REIMBURSE harmed consumers, PAY BACK wrongfully earned gains, and pay a penalty. 
CAC claimed to help low-income New Yorkers purchase cars but instead drove consumers straight into debt by tricking them into unaffordable high-interest auto loans while cutting backroom deals with dealers to increase their own profits. 
XXXX XXXXXXXX put down on a vehicule while observing my " retail installment contract '' that I also did not sign because the dealership had their agent e-sign it without my consent I also noticed the " ITEMIZATION OF AMOUNT FINANCED '' was also not add ding up ( B ) {$2900.00} went throws a extended warranty that I did not purchase nor ask for ( D ) {$240.00} for registration ( F ) {$75.00} DOC fee ( G ) {$37.00} emission test fee Which totals out to {$3300.00}. where did the rest of the money go to {$3600.00}? also the car has been total for almost 3 years now credit acceptance told me they had no interest in gettin the car back progressive also cancelled my insurance because the dealership sold me fraudulent insurance so I could drive off the lot with the car resulting in me being in a deep hole 15 U.S. Code 1635 ( b ) - Right of rescission as to certain transactions 15 U.S. Code 1601 ( a ) ( b ) - Congressional findings and declaration or purpose lawsuit below https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-new-york-attorney-general-sue-credit-acceptance-for-hiding-auto-loan-costs-setting-borrowers-up-to-fail/
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report that is causing me harm. There are several inquiries on my report that I did authorize and theme credit bureaus should not have allowed these companies access to my information. 

XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

At the time of my request for a Loan Modification I was experiencing a hardship in my life. Let me restate at am I am a single, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Although my Wells Fargo Mortgage reflects my ex-husband on the loan, he is in no way involved in my current life or my income status. Wells Fargo made a huge error at the time of my refinance and failed to remove my ex-husband from my mortgage loan ( covid era ). This error was made even after countless times of providing copies of my divorce decree. 
I left the loan in that condition with disgruntled feelings of being powerless over the major communication issue with Wells Fargo ( WF ). 
My reasons for requesting loan assistance last year were due to my hospital visit In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My recovery from being XXXX  took a span of over 3 months. During this time, I encountered job change, job loss and a manifold of other hardships that entails with managing a single income household. 
I was unemployed at the turn of the new year, and in XXXX XXXX XXXX I applied for Loan modification assistance, which was accepted on XX/XX/XXXX. 
On XX/XX/XXXX XXXX I was hired with full time employment. I communicated with WF to update them of my employment, and I arranged to begin making monthly mortgage payments. 
In XX/XX/XXXX, WF verbally confirmed that my regular mortgage payment of {$1400.00} would be due on XX/XX/XXXX. No other amounts or issues were specified, and I ended the call with assurance of moving forward. 
On the day of XX/XX/XXXX, I received a phone call from Wells Fargo stating that there has been an update on the changes of my monthly mortgage to include a payment of the Mortgage Assistance. WF went on to explain that my forbearance approval did not include payment deferment ( pushed to end of loan ) leaving the total of XXXX XXXX  due immediately. They offered two payment options that are not feasible for my single income household. 
My most recent conversation with WF on XX/XX/XXXX I called to speak with my assigned specialist in the Loan Modification department. I requested for a copy of the Loan Modification payment options and explained to XXXX how confusing it is to receive multiple phone calls by different WF agents and no consistent reliable documentation. The mail received from WF has conflicting amounts and confusing verbiage. 
WF has informed me that they do not provide availability to speak face to face, zoom call or directly email communication. The closing statement XXXX said at the end of the conversation was advising me that the payment options presented are subject to change at any time.
Product: Credit reporting or other personal consumer reports

I have 4 inquiries on my report from Transunion that I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze on my TransUnion credit report. 

I tried to unfreeze it online at the TransUnion website because I am applying for a new credit card. 

However, TransUnion 's website says " Credit Freeze Service Temporarily Unavailable ''. 

This is unacceptable : 1 ) First, credit reporting agencies are terrible institutions that make money by selling private information to others, and we consumers aren't able to stop them from profiting from us in this way. 

2 ) Second, credit reporting agencies are required to offer this freeze/unfreeze protection according to the Economic Growth, Regulatory Relief, and Consumer Protection Act. This Act was passed precisely because of the gross negligence of these terrible anti-consumer agencies who routinely misuse our personal information, increasing the chance of identity theft. 

TransUnion is violating the " Economic Growth, Regulatory Relief, and Consumer Protection Act '' by not allowing me to unfreeze my credit report when necessary. It is required to remove my freeze within one hour of my request, but it has not done so since after making my electronic request, TransUnion 's website responds with " Credit Freeze Service Temporarily Unavailable '' and asks me to call their company instead tomorrow ( after an 8 hour delay ). That's longer than the required 1 hour to resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$23000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 



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

Bonneville Collections # XXXX is reporting a collection to my credit with a balance that was paid off in 2016. There is no reason this should still be reporting a balance and I would like it removed off of my credit report immediately.
Product: Checking or savings account

So over the past month or so both my interest checking and access checking accounts have been somehow overdrafting to insane portions and fees stacked high almost as soon as I get it to XXXX. Hitting my with three fees over the coming days
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit freeze be lifted on XXXX in order to allow me to apply for financing for a large purchase. Myself nor the lender have been able to pull my TransUnion score up to this date. The lender is receiving a response from TransUnion indicating that the account is frozen. The lender only uses TransUnion so i have been unable complete the transaction. I am about to lose out on the opportunity to take advantage of a promotional interest rate that expires in 5 days. TransUnion 's website says there is an error when trying to lift the freeze and gives no option to resolve the issue other than calling a customer service number. I have called this number several times. The department that initially answers the call is unable to assist and attempts to escalate to another department. I have never been able to actually speak with this second department despite waiting on hold over an hour in some cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion all list a bankruptcy on my credit report for a mortgage through XXXX XXXX, and a car loan through XXXX XXXX XXXX and XXXX XXXX XXXX. I recently sold my house and sent the bureaus title paperwork and final invoice as well as insurance statements for the care on those accounts. I've asked them for information on who they've spoken with to verify this information and they only tell me that they verified it without the information I have requested. I sent dispute letters with supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the inaccurate information is still there. I even uploaded the information for online disputes with the bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX  I received an email from an appartment complex declining my application because they believe I have a XXXX XXXX XXXX  on my record. I have informed them that the XXXX was dismissed and one was dropped to a XXXX and its closed. I have document to show that its been taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance is reporting late notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Due to Covid, I got really slow at work. I work XXXX XXXX and work just came to a stand still for a little for me and it was hard to make my payments on time. I did not mean to be late and paid the account as soon as I could. I ask that Credit Acceptance please make a one time goodwill adjustment and remove the late payments. I was never late prior to this and have been in good standings since.
Product: Money transfer, virtual currency, or money service

I purchased 2 money orders in the amount of {$500.00} each. I sent in all the information requested to reissue a refund check to me. The problem is this company is telling me that they don't have my information after 30 days. I sent the information in via Priority Mail by the USPS. I have the tracking number which is XXXX. It was delivered on XX/XX/2020 @ XXXX XXXX. Can someone of higher authority please help me track where my money is I truly need my refund!
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I applied for a personal loan through my current bank. The reason for the personal loan was to consolidate my debt Ive accumulated. I applied for the maximum amount and submitted the application online. My application was denied. Due to Title 15 USC 2611 PNC bank failed to provide me all factors that were involved in this consumer transaction.
Product: Debt collection

For the past 3 years, both my wife and I have repeatedly been reported as in collections with ZIONS DEBT HOLDINGS LLC for a debt that was settled with our previous home security provider, XXXX. 

- Account with XXXX was cancelled on XX/XX/2017. 
- Auto withdrawl from " XXXX XXXX XXXX '' was collected on XX/XX/2017 for {$31.00}. 
- Check # XXXX for {$31.00} was cashed by XXXX, memo on check stated, " If cashed, balance is paid in full. '' - XXXX hasn't contacted us via email, phone, or letter to support collections. They only appear on our credit reports for each bureau every 6 months. 

We constantly dispute this debt collection with each of the credit bureaus that have it listed. Once disputed, it is removed, but 4-6 months later it is reported again. Each time it is reported we receive up to XXXX points deduction from our credit scores as a result of this collection. However once it is removed, it takes us months to build that score back up. How can we ensure that Zions Debt Holdings, LLC stops harassing us and damaging our credit for something that was paid in full and was never in collections to begin with as we cancelled our contract with XXXX?
Product: Vehicle loan or lease

car was repossess and sold Credit Acceptance rewrote and started a new installment contract and purchase price to finance and date..
Product: Credit reporting or other personal consumer reports

I have what they call hard inquiries with Wells Fargo I never opened an account with Wells Fargo and it's affecting my credit report to where I can't get a loan and my credit score is way down low because of that I don't know what they're doing I wish that they would delete deactivate whatever information that they have on me I also noticed that there's an account open with the name XXXX XXXX XXXX XXXX XXXX this is not me I want to dispute that I tried contacting them to dispute it they gave me the runaround and wouldn't help me at all and that heart inquiry is still on my credit report
Product: Checking or savings account

For years from about XXXX through XXXX i had countless overdraft fees and had many items returned because of them. It made made credit report list that my payments were late and i wasnt because the overdraft fees were done from the largest transaction to the smallest making them all bonce and get many over draft frees instead of XXXX or more. I have paid thousands in nfs fees through the years.
Product: Credit reporting or other personal consumer reports

Tonight, I was shocked to see unauthorized inquiries on my credit report with no clear reason why. I routinely check my credit report, but this time, there were unexpected discrepancies. I refreshed the browser, hoping it was a mistake, but the inquiries stayed. Im asking that the documents Ive sent be carefully reviewed to ensure this issue is resolved and doesnt happen again.
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX INCORRECT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NV 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 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.