23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I recently closed on a home using American Eagle as my lender. Throughout the process, I encountered many headaches and what I believe to be clear TRID violations. Before making my final decision on what lender to go with I asked American Eagle to confirm what my interest rate and APR would be if I locked the loan at that time. After delayed responses from them, we agreed to lock the loan with an interest rate of 3.125 % and APR of 3.2 % with XXXX points on XX/XX/XXXX ( this is documented through email ). Despite my negative experience with them up to that point I decided to proceed with American Eagle as my lender because I believed with these loan terms and the builder 's incentive to go with them that they were a good deal. 

Unfortunately, when they sent the CD to me before closing they had reneged on our agreed APR of 3.2 %. The CD had an APR of 3.49 %, which is obviously not what we agreed to. When I asked them about this, they refused to honor the APR of 3.2 %. This was shortly before the closing and at that time it was too late to change lenders and close on time. Changing lenders and missing the scheduled closing date would have forced me to incur major extension charges. As I previously mentioned, I agreed to proceed with American Eagle on XX/XX/XXXX due to the APR of 3.2 % we agreed to lock at. Needless to say, Im very upset that they decided to not honor the terms they clearly agreed to. 

In the interest of closing on time and avoiding expensive extension charges, I decided to proceed with American Eagle despite their shameful behavior. Before closing, I informed them that I viewed them not honoring the 3.2 % APR as a breach of a legally binding agreement and that I planned to consult with an attorney and file a complaint with the CFPB after closing.

I happen to work in the mortgage industry and noticed a few other things that I believe to be violations as well. Early in the process of applying with them one of American Eagles representatives ( XXXX XXXX ) discussed and negotiated interest rates with me via phone and email despite telling me earlier that she was not licensed to do so. Also, I believe they ordered the appraisal before I ever signed the intent to proceed. Although, I can not confirm this for sure since I do not recall for certain when or if I signed the intent to proceed and their system doesn't show this information to me. Also, we agreed to lock the loan on Saturday XX/XX/XXXX and they didn't actually lock it until XX/XX/XXXX. Its my understanding that this delay is a violation as well. Also, as previously mentioned, they reneged on the APR we agreed to.
Product: Mortgage

I have faxed over my loan modification paperwork to Caliber several times and have also emailed them weeks ago and keep getting the run around that the missing paperwork has not been received and now there has been a sale date placed on the property. Paperwork was faxed over on XX/XX/2019 and again on XX/XX/2019 and a sale date was placed on XX/XX/2019 for XX/XX/2019. I feel that Caliber is not taking the proper steps to help me with this process and avoiding to upload my documents. I would like for them to put the foreclosure on hold and review my file for a modification as they are required to do by law.
Product: Mortgage

I live in XXXX and affected by hurricane XXXX and requested forbarence on my morgage on XXXX/XXXX/XXXX but they pulled my payment on XXXX XXXX So I Wrote on XXXX they contacted me and said they would do a wire transfer which took part of the day and creating so much stress I had to get medical treatment .I wrote XXXX XXXX and another supervisor contacted me his name is XXXX and he transfers me to supervised XXXX who said I had to authorize a transfer and I said I was medicated /sleeping after taking narcotic pain meds for my XXXX they caused and having a XXXX XXXX contact me to see if I was going to XXXX XXXX as I stated they would have my XXXX on their haves if I had a XXXX or XXXX.Today I see in my credit union XXXX XXXX payments and NFCU says XXXX my statement I am overdrawn but NEVER contacted me .I wrote XXXX XXXX again and XXXX no response so again instead of repairing damages from their mistakes I will have to spend the day fixing their errors and again requiring more meds and no hurricane repairs.
Product: Credit card

Capital one closed my account for me having to many return checks due to my issues with my debit bank.yes I was overdrawn on the account by XXXX but I have good history with my payments it took some time to get things straightened out but capital one close my account with out it even being a month of me not making a paymentI paid in full my balance an now they wont open the account back up an the account was just closed
Product: Bank account or service

My debit card was lost or stolen on the XXXX of XXXX 2016 and I immediately called the bank. They continued to forward my call to three different people when I finally talked with their security department. The woman named XXXX immediately started questioning me about the name on the check that I had deposited not even 24 hours before. Finally after all of her questions she told me that a withdraw was made at an ATM for {$800.00} and asked if that was me, no and I replied what do you mean I did not even deposit the check 24 hours ago, how could it clear so fast? Then she started making comments about this being a common scam. She said she was going to restrict the account and to wait 2 to 3 days for a determination after investigating. When I finally got to speak I told her " THE REASON I CALLED IS DUE TO MY DEBIT CARD MISSING ''. That is all she said and when I got off the phone I immediately sent a written statement to them regarding what had happened. I got the e-mail and told me to click on a link to see the message, but because of the account being restricted I could'nt get past the sign in screen. I also received several phone calls from them from different people, but when trying to connect back I could not talk with the same person. Today I received a letter from them again and it states that " we finished looking into your dispute and did n't find any errors ''? I did not know that I filed a dispute? Today is XXXX XXXX, and I called them to report the stolen or lost card on the XXXX, no one ever treated this as an un-authorized withdraw from my account and no one ever told me what was going on and I could get any information through trying to look at my account because of the restriction they placed. They are being very rude and unprofessional and I have never been so humiliated in my life! I thought that my debit card was protected by EFT Transfer Act, and Regulation E. I am still in the XXXX.
Product: Credit reporting or other personal consumer reports

Filed a dispute with Equifax twice with supporting court document on XX/XX/XXXX and another one on XX/XX/XXXX. XX/XX/XXXX dispute was for {$3600.00} and XX/XX/XXXX was for {$1700.00}. The amount given to the court was {$2500.00} which does not the match the amount added to my credit report. Secondly, there was a court ruling stating no money judgement or liability of all occupants was issued due to agreement of moving out by XX/XX/XXXX. States in document section 10 : The court further orders. I have attached the document to both disputes. I have also disputed the collection on XXXX and XXXX with the same document, which both agencies deemed sufficient enough to remove the collection as it is not accurate and goes against the court agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Account number XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - Original creditor : XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry : Usaa Federal Savings XXXX Please investigate to ensure there is no fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I, first name & last name, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 inquiry name : XXXX XXXX Inquiry date : XX/XX/23 2 inquiry name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/23 3 inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/23 4 inquiry name : XXXX Inquiry date : XX/XX/23 - [ ] 15 U.S.C 1691 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 card or prepaid card

Received an email from XXXX ( XXXX XXXX XXXX ) with this subject line Get the XXXX Credit Card with no impact to your credit bureau score if declined, but the fine print reads *Subject to credit approval. 

This is misleading advertising that specifically targets and adversely affects people who have lower credit scores.
Product: Debt collection

XXXX XXXX contacted me about a debt they stayed I owed. I informed them I needed to see where I owed this money in writing. They instead sent a payment arrangement to my email. They threatened me by stating my account was going into proceedings back in XX/XX/XXXX and I only had less than a week to make this arrangement. Here it is XX/XX/XXXX and they are calling using the same tactics. They called my place of business and I sent an email to them on XX/XX/XXXX staying Im not allowed to receive correspondence at my work. On XX/XX/XXXX I received a call from XXXX XXXX stating they sent an employee verification form to the school where Im housed and telling me I had a meltdown about it. I am not employed by the school but housed in their facilities. So at this point, they are reaching out to an entity that is not my place of employment trying to get information about me. I have copies of emails and voicemails ( that are also transcribed ) of our communications if needed.
Product: Vehicle loan or lease

I have settled this account months ago and it has been signed off by a XXXX XXXX XXXX. I have Called numerous times and told me it would e be taken care of. In reality they have been consistently adding charges and giving me negative marks on my credit. I submitted information to all credit Bureau 's with contacting lobel financial. I'm in need of help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with 3 major credit bureaus Equifax, XXXX and XXXX. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my health insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX 's XXXX confirmed payment for date of service XX/XX/XXXX.
Product: Credit card

On XXXX XXXX i applied for credit card with XXXX XXXX. After 1 month of using the credit credit card, the suspended my account for any reasons. On XXXX XXXX my balance was XXXX dollars that i already paid. Finally XXXX XXXX Sent me the statement that included XXXX dollars for member fees. But i just got the credit lees than 1 month. My big surprise is that charged me for the late fees for the membership fees and they sent to the credit report and they drop my credit scores down. The amount was XXXX dollars. I called XXXX XXXX and let them know and thy told to pay the member fees and claims it back. Plse help me to get my money back and fix my credit for me.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of unauthorized inquiries that appear on my credit report. These inquiries were made without my consent and negatively impact my credit score and my ability to obtain financing. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only authorized and verified inquiries remain on my report. Below are the unauthorized inquiries that should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attempted to contact the entities responsible for these inquiries to verify their authorization, but I have not received any response that justifies these actions. Therefore, I consider these inquiries unauthorized and fraudulent. 

I am attaching a copy of my identification and proof of address to verify my identity. I am also including a Federal Trade Commission ( FTC ) Identity Theft Report and any other necessary documentation to support my case. 

I request that, in accordance with the FCRA, these unauthorized inquiries be removed from my credit report immediately. Please notify me once this action has been completed or if additional information is required to process my request. 

Thank you in advance for your attention and prompt resolution of this matter.
Product: Mortgage

I contacted Fay Servicing on the XXXX of XXXX to make my monthly payment and they are refusing to take the payment. I followed up with account manager on the status of the loss mitigation application and the exact amount of payment that is acceptable and she will not respond at all. This lender is trying to further show that I am not making payments by not taking my payments. What law allows this?
Product: Checking or savings account

On XX/XX/2022, I deposited a payroll check via the XXXX XXXX through my bank PNC Bank, in the amount of {$750.00}. I was told that funds would clear and be available on XX/XX/2022. Upon trying to make a purchase, once the funds posted as available in my account in the amount of {$750.00}. Upon calling my bank on today XX/XX/2022. I was told that my bank account has been frozen and that I could not access my account. As of today I had money already available in my account and due to this freeze the bank will not provide me a reason why my account is frozen, nor will they allow me access to my funds. Please assist me with this complaint. Thank you
Product: Mortgage

As a result of TAX REFORM in late XXXX, the tax amount of {$3200.00} needed to be paid from the ESCROW account immediately. 

During my call with CHASE on XXXX XXXX, XXXX with XXXX XXXX from the Chase mortgage tax department several urgent items were discussed. 
1. I authorized the {$5.00} fee to pay this tax immediately. This was based on Chase providing information that the Town required a " batch '' payment, or pay this {$5.00} fee. 
2. Because XXXX XXXX claimed that Chase did not have the tax document, nothing could be paid. Therefore, I requested an immediate call from her superior. As of 1145 hrs, XXXX/XXXX/XXXX, no attempt to contact me in any fashion has occurred. 
3. The town has assured me that Chase DOES already have the tax bill. Incidentally, during the XXXX/XXXX/XXXX conversation with XXXX XXXX, she required the tax bill to be uploaded to their document server. I uploaded the tax document during this phone call. 

ISSUE : Chase mortgage refuses to assist this customer to expedite payment of the TAX bill and has found every excuse to avoid doing so.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

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

when I went to the car dealership I was trying to apply for a car. 
I told them only to do XXXX XXXX XXXX. 
But however, it was seven hard inquiries 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 reporting, credit repair services, or other personal consumer reports

I brought the information to Cfpb to complain about Experian on XX/XX/XXXX. It is now XX/XX/XXXX which is way longer than 30 days Experian is in violation of [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer
Product: Credit card or prepaid card

InXX/XX/XXXX, I purchase a dental practice in Florida. As part of the venture, I signed up for a business credit card with American Express. Unfortunately, inXX/XX/XXXX, my dental practice went out of business and a settlement agreement was reach with my bank to write off the remaining loan balance, as the business was sold at a significant loss. I have made good faith efforts to resolve all credits associated with the business transactions. In XX/XX/XXXX, I made a payment to American Express in the amount of {$5000.00} to resolve the business debt. My complaint against American Express is that the company has imposed an exorbitant and unreasonable of fees and interest onto my account. These amounts should be considered usury and should be investigated by all related regulatory, governing bodies. In XXXX, I was charged over {$2000.00} in interest and fees. In an economy where the average consumers yields 2 % -3 % on saving and investments, it should be considered illegal, usury, for companies to exploit consumers exponentially beyond those rates. Moreover, when I signed up with American Express, the alluring introductory rate was nowhere as high as the rates that have been imposed on my account. Furthermore, I request that your office look into these practices. My case is not an isolated incident. Online consumer boards are filled with similar complaints against this company. ( e.g. XXXX XXXX XXXX  ). Perhaps the company should be audited for the sake of transparency and public policy. This behavior should not be continually endorsed and permitted. I have expressed my concern to American Express, and have gotten no resolution, instead, the interest and fees continue to increase and to compound. American Express has been unwilling to resolve this issue equitably and ethically.
Product: Payday loan, title loan, personal loan, or advance loan

My payment is scheduled for a specific day, and at several occasions the payment was taken before the date it was scheduled for!

This is not acceptable at all!
Product: Debt collection

They don't want to take direct payments and they return checks every month. I have all the payments on time because they are managers check. They just want to take the property from me.
Product: Checking or savings account

Fraud was committed on my account where someone stole access to my bank and made transactions. My banks fraud department notified me that they are unable to honor the fraud transactions stating the transactions were made from a device consistent with other valid transactions. I was a victim of fraud and I am unable to gain access to my bank because they are blaming me for the fraudulent activities when I have no information about this. I have been with this bank for years and I never had a problem like this before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed negative information on my credit report from National Credit System 's Account number XXXX with XXXX several times under the FCRA. I have also sent supporting documentation from the XXXX County Magistrate showing where this debt was not valid. I have submitted copies of the ruling from the judge to XXXX on three separate occasions via certified mail. I am requesting that XXXX to delete this negative information ASAP per the fair credit reporting act. I have already filed a complaint with the State of Georgia Attorney General. If this information is not deleted under the FCRA, I will have no choice but to provide all supporting documentation to my attorney and proceed with taking legal action based off XXXX clearly ignoring federal law.