23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX we decided to refi our mortgage to pay off 2 home improvement loans and 1 medical credit card with closing costs around $ XXXX our refi would be in the $ XXXX range. We chose freedom Mortage out of XXXX, IN and were approved. XXXX XXXX Customer Advocate XXXX was our contact. We selected them because their rates were low and because we know that these smaller mortgage companies sell to bigger banks anyway. To us they are all pretty much the same. We were locked in at 2.75 % Process begins : W-2, taxes, social security income etc. Typical stuff. By XXXX they were telling us they hadnt received any of the documentation, we sent everything again. 
Appraisal came back, looks great. XX/XX/XXXX they wanted a termite inspection, which we received and sent to XXXX. We went back and forth because he said he didnt get the signed portion of the attachment, they didnt accept the payoff letter from the window company. It went on and on. I reached out to XXXX on XX/XX/XXXX via email telling him we keep getting phone calls requesting information we had already sent and we would like a closing date but he never responded. Later, he called my husband to tell him he needed a XXXX ( we had already sent ) I asked for a received a copy of our appraisal on XX/XX/XXXX. Then someone called us and told us we needed a water test. I emailed XXXX asking why. He never responded. So, XXXX and XXXX talked on the phone, the water test was the very last thing needed and then we could get a closing date for our refinance. We arranged the water test ( {$180.00} ) the water needed to be treated ( {$180.00} ) the company actually explained the water test to us ( XXXX never did ) and it made sense. So after the water was treated and we couldnt use the water, before being tested again ( {$180.00} total cost {$550.00} ) XXXX received a phone call from a man, XXXX, from Freedom Mortgage asking questions about our " closed File ''. Yes, they closed our file, literally " dropped '' it on our refi in the middle of the very last thing needed before we could close the loan. As you can imagine I was beyond angry-I was LIVIDXXXX said oh it looks like you were lost in the cracks ... he said he would see what he could do to get us back to active status and our 2.75 % rate-He later came back and said the best they could do was 4.50 % -he sent my husband a follow up email stating we " declined the offer '' and so here we are today and I am typing this email Also we did get really XXXX with XXXX and sometimes we were angry with these random people working for freedom calling us and wanting documents we had already sent ( I think Ive noted this already in this email ) We have refinanced in the past and never experienced this level of frustration-ever- but with Freedom Mortgage, it was beyond frustrating and I believe they strung us along knowing the rates were going to go up. I will file a complaint with the XXXX  too
Product: Mortgage

I was told by a Wells Fargo mortgage rep that I was pre-approved for a mortgage to purchase a house in XXXX, NY. I put down {$10000.00} for an earnest money deposit. Had an appraisal done and an inspection. Then I was told to be finally approved for the amount I was seeking I had to pay off my existing mortgage on my condo in XXXX, NY. My only income is XXXX social security and a XXXX pension from the USPS. I wanted the house and decided to listen to my mortgage rep and pay off the existing mortgage so I could move to XXXX where the cost of living is cheaper. My savings was already allotted to my down payment and closing costs, so I cashed in an IRA incurring a XXXX tax obligation which I figured I would pay off with the sale of my NY condo. After doing so Wells Fargo turned me down leaving me {$25000.00} in the hole, {$20000.00} for taxes plus half of my deposit and the house itself due to Wells Fargo 's incompetence. They already knew my income they should never have told me to pay off my exisiting mortgage incurring all this debt and then turned me down anyway. I would like Wells Fargo to compensate me for tax obligation and the loss of my deposit. I was a Wells Fargo customer for 25 years and when I needed them they XXXX me. Given all the negative publicity with Wells Fargo recently I feel I should be compensated. I closed my accounts and sold my Wells Fargo stock. I want nothing to do with them now if this is how they treat a customer of my faithfulness for a quarter of a century. Please do what you can. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly tried to obtain validation from the company of the debt showing owed with no response since XXXX Dispute after dispute with no action. It is illegal through the FCRA to report different amounts owed to my credit file with no explanation. I have been hung up on over the phone and talked to very horribly when trying to obtain answers. I have visited the office as well and nothing comes of situation at hand except being told I have to pay the loan in full. Remind you, since the opening of the loan I had tried to make small payments and was denied because it was not the amount the XXXX wanted me to pay. I was turned away.
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 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 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 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: Debt collection

WFC is claiming that I owe them {$270.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX- XX/XX/XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX A XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Dealers, Used XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Loans XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX OF TO Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX CO Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Dealers XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OHIO XXXX I have an account that is showing me XXXX days late and at the time my income was affected by the Pandemic shut down. I am aware that they were allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my WESTLAKE PORTFOLIO MGMT/1XXXX are showing late pays I have since paid my account and it is fully current and I would like my account to reflect the current status to help protect the integrity of my credit profile. The late payments were reported in XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inaccuracy of an bankruptcy that was on my credit report with all 3 credit bureaus. XXXX was the only on deleted the inaccuracy from my credit report. Experian  and XXXX are still reporting it as being verified but want state how they are verifying it. I have disputed it several times with my lastest being XX/XX/XXXX. I tried again in XX/XX/XXXX but they are not letting me dispute again and keep saying it's verified. This is the message I keep getting from them : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have been going back and forward with them about this for the last 6 months. On both of my credit reports it shows no numbers or account numbers to even verify the information so how is it even being verified as they are saying.
Product: Checking or savings account

Last XX/XX/XXXX I attempted to Deposit a {$1000.00} to my checking account at my local bank here in XXXX Kansas, XXXX. I was shocked to be told that they account has been closed. 

Also at the same bank, the XXXX, and XXXX XXXX XXXX XXXX reported to me that my XXXX Refund of {$2800.00} was sent to this bank. 

I contacted WELLS FARGO customer service via telephone and was told the same thing. So my feelings is the Bank, WELLSFARGO closed my account due to the numerous complaints about overcharging me for INSUFFICIENT FUNDS FOR MONTHS. 

I need to see my bank account transactions, a reason why my account was closed, and why the XXXX companies above keep telling me their traceing efforts of my {$2800.00} ( XXXX REFUND TAX RETURN ) keeps telling me it was sent to my checking account. 
Its been 12 months and no answer!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX monthly payment process over phone {$200.00}, was not pleased with increased balance. Call back and had another payment processed in the amount of {$1000.00} same date. Asked young lady for the remaining balance which she provided with another increase thru XXXX of XXXX.That amount she quoted for the payoff of {$560.00}, which I mail check on XX/XX/XXXX. Asked for a PIF letter from Republic Finance LLC. Young man trying to get me to take another loan and claims I have a small amount remaining. Now this is almost six week that full payment has been received. And with a few choice words informed him they wouldnt receive another dime from me. This is their second time trying to charge more for something that is already paid. And I know this is something they practice with all there customers.. I have proof of payments and this company needs to stop.Republic Finance LLC. XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX is illegally using this charge off for tax benefits. 

Account in question : XXXX XXXX Re : Form 1099-C Cancellation of Debt I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit report attributed to your agency. Upon reviewing my credit report, I discovered a charge-off entry which, according to the IRS, constitutes debt that has been discharged and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status. 
As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form 1099-C related to this debt, to be sent to the address provided above or via email at your earliest convenience. 
XXXX XXXX It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not 100 % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. 
Moreover, I have been directed by the IRS to file Form 3949A for illegal tax violations against your company in order to address this matter. I trust that neither you nor your Executive VP would desire to engage in legal proceedings over such blatant transgressions. 
I hereby demand that you take immediate action to notify ALL ( 3 ) credit bureaus to remove this erroneous information from my credit report without further delay. As I am attempting to settle this matter privately. 
Failure to comply with this immediate request will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.
Product: Student loan

XX/XX/2022 I received two emails from navient demanding past due payments and late fees totaling over {$380.00}. I am supposed to be in the income driven repayment plan and have recertification as needed every year, but navient keeps saying they didn't receive any documents pertaining to the income driven repayment plan, but it says documents sent successfully. On top of that I believe that navient is taking the Pell grants I was rewarded and instead of deducting that free money that I don't have to pay back and they are adding it to my balance to draw more interest. Plus my student loans were on pause until I got a call from navient saying I need to pay my student loans and I tell them I'm in the IDR repayment plan they respond by telling I wasn't and I would need to go into forbearance. A month or so later I am getting emails to make a payment on paused loans.
Product: Credit card or prepaid card

I applied for an American Express Card through XXXX XXXX. I was super excited to have this card. My application did not mention the annual fee and for both cards one was {$690.00}, and the other card was {$170.00} totaling {$870.00}. I did not order a second card I am only one person. These charges were not disclosed to me at the time of application and immediate acceptance.

I have spoken to American Express, and they are cancelling the card and charges. However, this is an unethical practice.

I am seeking damages as this cancelation will cost me point on my credit score. 


XXXX XXXX
Product: Consumer Loan

There were XXXX payments made for XX/XX/XXXX. A wells fargo rep said she did the paperwork to skip XX/XX/XXXX 's payment. I just checked and they auto-withdrew from my account for XX/XX/XXXX and I was counting on having that money.
Product: Credit card or prepaid card

I applied for a Bank of America credit card on XX/XX/21. After a lengthy verification process, I was initially given a verbal approval of a {$3000.00} credit limit. That later changed on XX/XX/21 to a {$1500.00} credit limit. After receiving my card, I began using it but I was careful not to charge it to the limit so it wouldnt negatively impact my credit report. I also made every payment on time ( actually ahead of time ) each month. However, on XX/XX/21 Bank of America suddenly decreased my credit limit to {$1100.00} without warning. Their action negatively impacted my credit report because it raised my credit utilization especially since at that time my bill was a little over {$900.00}. When I called to see why I wasnt notified prior to this action being taken, the representative said they mailed me a letter on XX/XX/21 ( the day before XXXX XXXX ). However, they never waited for me to receive the letter because they took action 3 days later. They never provided a turn-around time, waiting period and/or due process before changing my credit limit. Additionally, I later discovered that Bank of America was secretively and aggressively checking my credit report every month since I received my credit card prior to decreasing my credit limit. This action seem very illegal especially since I had already went through a credit check, had been approved and had already been using my credit cards for months. I feel discriminated against. This seems like XXXX XXXX
Product: Debt collection

I have revoked authorization with this company about 10 times. Back in XXXX when I noticed they were charging me to run a report on myself I told them that it was not authorized nor warranted. I'm still continued to be billed for the service, they still contact me religiously also about the service that was stopped around XXXX, adding another month each month. two months ago I didn't lock my debit card back, and they withuot authorization because authorization was already revoked charged my bank. I did a charge back on them but they are very persistent in their continued harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX  Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, and Account Name : XXXX  Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of Fair Credit Report list of accounts violated my federal protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX. 15 u.s.c 1681 section a states I have the right to privacy. 15 u.s.c 1681c. a,5 section states no consumer reporting agencies may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.15 u.s.c section 604 a section 2 Consumer reporting agencies can not furnish a account without my written instructions.15 u.s.c 1681s-2a1 a person shall not furnish any information related to a consumer to any consumer agencies if the person knows information is inaccurate.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX  with the number XXXX is incorrectly reporting a rating of CollectionOrChargeOff on my credit report, and I am demanding its immediate deletion! 
Youve indicated that the account was opened on XXXX and that the last activity occurred on XXXX. These dates are inaccurate, and I expect you to take corrective action now. 
Youve also noted that the last verified date was XXXX. Under my rights granted by the Fair Credit Reporting Act, I am requesting the exact methods and evidence used to verify this information. Furthermore, provide me with documented proof of your claim that I owe {$12000.00}, as I firmly contest this amount. 
Case law supports my demand : XXXX v. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX ( XXXX. 
XXXX. XXXX ) emphasized that inaccuracies must be rectified ; XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) reinforced the obligation to verify disputed information ; and XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) requires the deletion of false or unverifiable information. Take these precedents seriously and resolve this matter immediately. 

I am contacting you regarding the inaccurate reporting of the account XXXX XXXX XXXX with number XXXX on my credit report. The account is currently reflected as XXXX, with the date opened listed as XXXX, the date of last activity as XXXX, and the last verified date being XXXX. This information is incorrect, and I am formally requesting the immediate removal of this account from my credit report. 
According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy of the data they report. Furthermore, I demand that you provide documentation to verify the accuracy of this account and proof of the alleged {$18000.00}, as I dispute owing this amount. 
The courts have made it clear in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX that credit reporting agencies have a duty to ensure that the information reported is accurate and verifiable. 
In this case, the court determined that inaccurate reporting and failure to conduct a reasonable investigation violated the FCRA, resulting in damages awarded to the plaintiff.
Product: Credit reporting, credit repair services, or other personal consumer reports

USC 1681 Section 602a, states that I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
15 USC 1681 sec. 604a sec.2 : It also says a Consumer Reporting Agency can not furnish my account without my written instruction.

15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Any other adverse item of information, other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681c 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 reporting or other personal consumer reports

My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already XXXX  as it is.
Product: Credit card or prepaid card

I have opted out of prescreened offers. I still get them 2-3 times a week, there is no way on Citibanks site to stop them.