23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello. On XX/XX/2021, I submitted my financial information to XXXX XXXX who then forwarded it to Citizens Bank, the company writing the loan. I submitted bank statements, tax returns, mortgage statements for a previously purchased property, and pay stubs. On XX/XX/XXXX, I explained to the loan officer that my husband hadn't been employed for 6 months because I knew that could be an issue. She asked for an exception letter, which we provided. The letter explained my husband hadn't worked due to Covid closing schools and him staying home to take care of the children. She stated it was good. In mid XXXX I asked if the exception letter was approved and she said yes, we were all good to go. I don't know if she lied or if Citizens Bank lied to her and said that. 

On XX/XX/XXXX, we received our Closing Disclosure from Citizens Bank stating our actual costs needed. We were supposed to close XX/XX/2021, so that put it 3 days from closing, like it is regulated. On XXXX, XXXX, the day before closing, we were told we weren't clear to close due to my husband 's length of employment. We didn't understand why that was an issue the day before closing since we had disclosed that information in the beginning and were not only pre-approved with that known, but also told the exception letter about his employment was accepted. We had been allowed to pay for so many things when they knew from the beginning we weren't going to get the loan based on the information I provided. 

The day after we were supposed to close, XX/XX/2021, we received our Notice of Action Taken. This notice should have been sent well before this. The reason was due to employment history and insufficient income. Both of these reasons should have made it where we wre n't pre-approved. We should not have been told repeatedly we were getting the loan if those were the issues. 

Nothing changed with anything in our finances or employment from the time we were pre-approved to the time we were supposed to close. 

I'm not even sure how insufficient income is a reason since our DTI with the house we were trying to buy was 30.52 %. 

We terminated our lease agreement since we were given verbal confirmation that we were " for sure good and getting the loan. '' Now, I have to be out of my apartment in 9 days and I have no house to move into. 

I am attaching the contract for the house, the letter of intent given when we had already provided an exception letter for the employment history, Closing Disclosure, and the Notice of Action Taken that was given the day after the closing date.
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Re : Dispute of Debt Request for Validation Account Number : XXXX To Whom It May Concern, This letter serves as a formal dispute of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt, including but not limited to the following : 1. Proof of Debt Validation : Provide a complete verification of the alleged debt, including the original contract bearing my signature, which legally binds me to this obligation.

2. Full Payment History : A detailed record of all payments made on this account, including dates, amounts, and methods of payment. 
3. Ownership and Title Change Documentation : Documentation indicating any transfer or assignment of this debt, including the name and address of the original creditor and all subsequent owners of the debt.

4. Insurance Claim Inquiry : Confirmation of whether an insurance claim has been filed or paid by any party concerning this debt. If so, provide all related documentation.

5. Verification of Authority to Collect : Legal documentation proving that your agency has the right to collect this debt and is legally authorized to do so.

Under 15 U.S.C. 1692g, you are required to provide this information within 30 days of receiving this letter. Until proper validation is provided, I am requesting that all collection activities, including reporting this account to the credit bureaus, be immediately ceased.

If you fail to provide sufficient validation, I expect this account to be removed from all credit reporting agencies and for no further collection attempts to be made. Be advised that any attempt to collect an unverified debt may constitute a violation of the FDCPA and other applicable consumer protection laws. 
Please respond in writing to the address listed above. 
Sincerely, XXXX XXXX ________________________________________
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected,.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations,
Product: Checking or savings account

My purse was stolen. Person used my card to purchase gas and other things at gas station. cash app would not help me even with a police report
Product: Debt collection

I have contacted the company on XX/XX/2021 regarding a debt validation and have not received any correspondence of the validity of the said debt. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Product: Payday loan, title loan, personal loan, or advance loan

I am the buyer of a business where the seller gave false information to Umpqua Bank in order to get a SBA loan approved. After the business closed the supplier told me I the sellers were not allowed to sell product the way they were and that I was given false information. The loan was approved because of this. Ultimately the business failed. Without this false information the loan would not have been approved and I would have not lost my investment.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeated asked the credit report agencies- Experian, XXXX, and XXXX - to remove The Office of The Attorney General from my credit reports. My report shows there is an active case with the State of Texas and the Attorney Generals Office for child support and this is not true. There is no case. Further, one of my credit reports shows two cases, which is not true. 

Please help getting this removed from my credit reports. 

Thank you!
Product: Mortgage

XXXX XXXX XXXX was servicing my mortgage. I started inquiring about mortgage assistance in XXXX XXXX. I made it very clear to XXXX that I did not want to miss any payments during the process of applying for a loan modification. After several months of gathering and sending the requested documentation ( still making payments ), XXXX finally approved a trial loan modification for 3 months stating : " Once you have successfully made each of the payments above by their due dates, you have submitted two signed copies of your modification agreement, and we have signed the modification agreement, your mortgage will be permanently modified in accordance with the terms of your modification agreement ''. 

However, during the trial period, XXXX sold my loan to AD Mortgage. I started getting notices on my credit reports that my mortgage had become 30 days, then 60 days late while I was making these payments because they weren't applying the trial payments to my account... they were suspending them. I made several phone calls to both companies to make sure my trial modification was transferred to AD Mortgage. I was told that it will be transferred and I was to keep making the trial payments. After I made the 3rd payment, I called AD Mortgage to find out when they were going to send the documents for me to sign. They said the would contact me after the XXXX of the XX/XX/XXXX. I had not heard from them by the XXXX so I called again. I was told that my loan modification was denied " after further review '' due to XXXX and If didn't make a payment of {$11000.00} by the end of XXXX, they would start the foreclosure process because I would be XXXX months behind on payments. AD Mortgage refuses to honor the original agreement. It should not have been subject to further review after approval. I sent a Notice of Error to both companies.
Product: Debt collection

If the payment is not there immediately on the day it is due, regardless of the 10-day grace period or the fact that I have NEVER paid late in over a year, they call that day and every day until it is received. Payments are scheduled on paydays and it takes a couple of days to get the payment to them, so I have over 70 calls logged from them in the past year. I ca n't stand it! Give me a few ( 5-10 ) days grace period and THEN if I have n't paid, I understand a call, but this is utterly ridiculous!!!
Product: Checking or savings account

On XX/XX/2022, my book bag was stolen, and in that bag was my wallet and phone. Once i notice that my bag was stolen i had went to the police station and with out a phone i could not see if there was any activity occulting on my bank. When my phone was replaced is when i notice several charges in multiple bank accounts. | In these charges Chime was one of the bank accounts used to transfer money from one account to another, the account that was used was XXXX XXXX XXXX XXXX

Unfortunately i never have a lock on my phone and as well i keep all my passwords and pins in my notes in my phone, due to memory issues and constantly forgetting my information..

Once ii notice the transactions i i contacted chime and submitted the police report thinking that would be good enough information to cont. a dispute and have my funds return back to me. unfortunate ; l it was not a chime denied andc closed my case in min. with no explanation. 

SO i submitted a rebuttal and this time i contacted XXXX XXXX  which is ehre the money was transferred from my chime to this XXXX XXXX  account that has nothing to do with me and is noted is the account being investigated by the police, with that i also contacted cash app and they submitted an email stating the account in question is not mine and that my personals account has no transactions with chime. and that my debit card was used on a suspected account that does not belong to me. 

after filing the rebuttal my case was denied and closed again only hours after reporting it. 

This is not the first time this has happen with chime but every dispute i have filed has been closed and not investigated in any manner. Every time i ask for the reasoning no one can give me one. XXXX will attache the following documents i submitted with the dispute from not only the police but as well lXXXX XXXX stating the transaction was done unauthorized and illegally as well i will attach the following emails with Chime showing the contradictions and unprofessionalism i had to face during this processes. with all the disputes i have filled chime owes me more then XXXX dollars btu refuse to reimburse me for any of my stolen or unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiry from US SM BUS ADMIN ODA
Product: Mortgage

On XXXX XXXX, XXXX, I filed a loan modification with my primary home mortgage lender, Aurora Loan Services LLC. They have since changed their name to Nationstar Mortgage. ( I have XXXX loan with Nationstar and smaller mortgage loan with XXXX Lender for the same house ) I was XXXX of those homeowners that signed a balloon home loan agreement back in XXXX. I did n't realize before I signed the loan modification documents, but on the schedule of payments table it shows that in the year XXXX I have to pay a one-time payment of {$180000.00} in interest. I believe this is absolutely absurd, because if I had the money to pay the mortgage payment, I would 've never asked for a loan modification. Instead they lumped up the mortgage payment at the end of my loan agreement and in XXXX I will still not have the {$180000.00} lump sum they are going to come after. ( Please see page XXXX of the Aurora loan modification documents I have scanned and attached for that table ). Keep in mind that there are XXXX difference loan numbers. The loan number I had with Aurora Loans used to be # XXXX. When the loan was transferred to Nationstar, my loan number changed to : # XXXX. I read in the XXXX magazine this year that consumerfinance.gov put penalties on Aurora for doing bad business with other homeowners and I 'm wondering if I qualify as XXXX of those homeowners, but they slipped through the cracks with my loan because Aurora was able to transfer my loan over to another name ( Nationstar ). Please help me look into this, because I think it is wrong on so many levels. Please assist me with getting Nationstar to rectify my loan modification agreement and take out that last payment of {$180000.00}. I 'm XXXX with XXXX income. Please, I do n't know what else to do, and I 'm desperate for any assistance or advice I can get. I appreciate your help. 
Homeowner, XXXX XXXX, ( XXXX ) XXXXcellAttachments : Loan Modification with Aurora - XXXX XXXX, XX/XX/XXXXNationstar Statement - XXXX XXXX, XXXX
Product: Credit reporting

Transunion removed inquiries from my credit report and re-added the inquiries without notifying me.
Product: Credit reporting or other personal consumer reports

I am resubmitting a formal complaint to USAA FEDERAL SAVINGS B regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/scrub>XXXX  and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. 
If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.
Product: Debt collection

On XX/XX/2022 I reviewed my credit report and noticed that I had a charge-off with Navy Federal Credit Union . I sent them a letter on XX/XX/2022 asking them to validate this debt bearing my signature or a contract. I was then sent back bank statements with the creditor. On XX/XX/2022 I noticed that they did not mark my account as disputed within the 30 day time frame according to the law ( FCRA623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer reporting agency described in section 603 ( p ).

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) ). This company has broken the law by not only providing me with a copy of contract but also not by providing notice to the credit bureaus that the account was disputed. By law the company now has to remove the negative information from my credit report. This is negatively impacting me from getting loans or a home because of this false reporting. I am asking that this company to remove this negative information from my credit report.
Product: Checking or savings account

Hello, I was a costumer at Bank of America and as most people these days, I relied on Apple Pay since I switch purses often. Ive never misplaced my card for more than a day and or have never had anyone take funds from my account while using XXXX XXXX on my phone. This one time there was a check deposited in XXXX XXXX California and at the time I was in XXXX XXXX. I had work that entire week and even made purchases for lunch on my breaks. The check was deposited fraudulently without my knowledge and was done at an atm in another state which I was not in at the time. The bank investigated amd determined NOTHING. I never got a clear answer as to what steps were being taken and if it was my fault. They just closed my account and never investigated.
Product: Debt collection

This group is, at worst, a criminal enterprise and, at best, a professional extortionist. They have a client ( XXXX XXXX ) that conducts their business by practicing up front and blatant predatory lending and, when backing borrowers into a position of ruin, Ershowsky Verstandig extorts the borrowers and harasses the borrowers contacts. 

I conducted no business with XXXX XXXX, yet because I hired a contractor to perform a job, and that contractor borrowed money ( at roughly 260 % APR, and no that is not an exaggeration ) from XXXX, we're getting harassed by Ershowsky Verstandig to pay the borrower 's debt, EVEN THOUGH THIS IS NOT OUR DEBT AND OUR WORK WITH THE BORROWER FINISHED MONTHS AGO. And, by the way, in the state of SC where the contractor is, it is a state requirement for a lender to file a Maximum Rate Schedule ( MRS ) with the state if conducting lending with an APR of higher than 18 %. Did XXXX do that? No, rendering their loan illegal to begin with. Yet this attorney group feels perfectly content to continue harassing us for payment. 

They're sending us letters, calling my wife... How this is is legal is beyond me. All I have to say is it doesn't take much to recognize malicious and ethically devoid groups, and Ershowsky Verstandig definitely fits the description. 

As I said on the phone, and will continue to say, stop harassing us.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Checking or savings account

Navy federal credit union will not allow me to access my online bank accounts. They require five questions for online security, but the questions are all overly specific and do not apply. They will not allow me to write in my own questions, nor opt out of the security question system.
Product: Debt collection

TIN : XXXX Chase Acct # Acct # XXXX I had business credit line opened with Chase bank in XXXX, MI in about XX/XX/XXXX which was completely paid off in XX/XX/XXXX to XXXX XXXX. Despite zero activity since then Chase automatically starts withdrawing {$300.00} from my other personal accounts into business line of credit for which balance was zero. So, my business line of credit keeps going more and more negative and with-drawl from my personal accounts without any reason without my permission, when I owe zero in reality on that line of credit. It was very complicated to get anyone on line to resolve it. After much efforts, time wastage during work hours, I got money back into my account on XX/XX/XXXX. But after few days on XX/XX/XXXX Chase does same thing, it again withdraws another {$300.00} and now my account is again negative by {$300.00}. 
I believe it MUST STOP. Chase needs to pay me double with interest for doing this. 
How many small businesses is Chase doing this? I would like to know.