23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

my house was flooded XX/XX/XXXX by Harvey. asked bank to set aside payments for three months so I could rebuild and repair. they did, now they expect me to bring account currant. that 's not what I asked for, wanted payments put to end of note, they are giving me a hard time, want all types of re-documentation that is completely not needed. they keep saying something about the va response they are needing, but will not explain what that is in any understandable form of English. I '' ve had other banks do payment moving with out any of the issues this bank is trying to pull. All my payments on this loan since the start ( XX/XX/XXXX ) have been on time. XX/XX/XXXX and XX/XX/XXXX payments have been made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX where put aside. FEMA paid  {$16000.00} toward repairs, and i : ve spent over {$22000.00} so far and still no done completely. there is no way to pay {$3400.00} they are trying to collect to bring currant. the bank is Dovenmuehle phone # XXXX XXXX XXXX loss mitigation dept. they have my FEMA claim number.
Product: Mortgage

I have a loan that closed with XXXX XXXX on XX/XX/XXXX. There was never a final inspection or appraisal done as required by the Holdback agreement signed at Escrow and was to be executed and funds released AFTER ALL REPAIRS WERE FINISHED, INSPECTED AND A XXXX APPRAISAL WAS COMPLETED TO INSURE THE VALUE OF THE HOME HAD NOT DECREASED. I have requested the FULLY EXECUTED HOLDBACK AGREEMENT from XXXX and they have REFUSED TO RELEASE IT TO ME. Instead, they sent a fraudulent agreement, that proves we were not satisfied with the Holdback agreement. We also can prove XXXX made us sign off on the Holdback repairs under duress. If we did not sign, they would return the {$2000.00} to the seller and we would be liable for all repairs. XXXX  and the contractors that did the repairs would be able to apply a lien on our home. XXXX NEVER DISCLOSED TO US THAT THEY WAIVED THE FINAL INSPECTION AND APPRAISAL/XXXX  UNTIL A WEEK AGO. They omitted and never disclosed this on any Loan Disclosures prior to closing. XXXX NEVER planned on following the Holdback agreement. They received the {$2000.00} from Escrow prior to the repairs ever starting, which is a breach of contract and then never paid one of the contractors. ( The contractor had to contact me to get paid. They received payment on XX/XX/XXXX. ) XXXX NEVER DISCLOSED ANY DAMAGES DONE BY THE SELLER, THAT WE REPORTED TO THEM 3 DAYS AFTER CLOSING AND PRIOR TO ANY REPAIRS BEING DONE. A final inspection and appraisal would have prevented this home loan from ever going through and XXXX knew this. They interfered with a contract to benefit from the loan. They did not look out for our best interest when they became the fiduciary, by taking control of the money for the Holdback agreement and then not FULLY EXECUTING IT AS WRITTEN. 
We have contacted XXXX XXXX XXXX XXXX to get a copy of the signed Holdback Agreement. As you can see, both the Escrow agent and XXXX did not follow the Agreement. Funds should have never been released. I spoke to XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They will tell you I never spoke to anyone until XX/XX/XXXX, but that is another misstatement by XXXX, who has denied that they had to follow the Holdback agreement. Only WE WERE FORCED TO FOLLOW THE TERMS OF THE AGREEMENT. According to XXXX, they COULD WAIVE ALL OF THEIR DUTIES BECAUSE IT WAS A " IN HOUSE '' AGREEMENT. That is not what we signed at Closing. 
XXXX has refused to speak to us any further. They state they have educated us enough, even though they have not fulfilled our QWR to turn over ALL signed Documents in our file. They sent 355 pages, 2 appraisals, but refuse to send the FULLY EXECUTED HOLDBACK AGREEMENT or THE SIGNED WAIVER OF THE HOLDBACK AGREEMENT, that would have disclosed the change of this document prior to closing. 
I have emails showing our duress as XXXX enforced the Holdback agreement. Never once did they ask if we were satisfied with the repairs or if we inspected them, but insisted the form was signed, or the contractors would not get paid.
Product: Vehicle loan or lease

When I purchased the vehicle I was told and the paperwork I signed said the car was XXXX plus tax, I was going to be paying around XXXX in interest paying XXXX in total after interest and I was told also registration was taken care of I was supposed to get that in mail. I put XXXX down which should be paid to principal. Last time I talked to financing company they said loan was for XXXX together adter the XXXX down, which I would have never agreed to when buying if I was told that. So it's already XXXX my credit they can keep the car and my XXXX $ but this is very shady business practice at least I'm going to do is file a complaint against dealership and financing company. The financing company has been harassing my brother who has a new born baby in the house for weeks banging on his door, I don't even live in the same county as him but I was burglarized where I stay and needed some important mail to stay safe so I had it sent there my brother is XXXX and they still staking out his house like vulchars. Also if my loan was XXXX more after the XXXX down that puts it at a 50 % APR which is unrealistic and unheard of I would just simply not buy the car if these things were brought to my attention, the registration was never even paid either just a title transfer and I called in after a month ad mentioned my tags were bad and was told that they gave them to me which wasn't the case I now have tax Registration penalties I'm facing worth thousands
Product: Credit card

I made a large payment for almost {$27000.00}. and Discover refuses to acknowledge the receipt of the payment. The payment was made from XXXX ( XXXX XXXX  XXXX XXXX XXXX ) as part of a Home Equity Loan requirement. There was no way to pay the bill other than to send it via mail, so I sent it with careful tracking. The USPS show that the payment was received 2 days ago, but Discover says they have not received it yet. 

I believe fraud is occurring on the part of someone at Discover Credit Cards or that the company as a policy is not prompt in the application of payments by mail. I need Discover to immediately credit the amount to my account and refund all interest accrued during this time period.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : TOYOTA MOTOR CREDIT XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX  AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Product: Credit reporting

XXXX XXXX submitted a report for delinquent payments on a vehicle that was order by the court in Texas to be a sole responsibility of my Ex Spouse. Which is damaging my credit and hindering me from being able to purchase a home through VA. Requesting what can I do to have these delinquencies removed and no more added to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I filed a cfpb complaint against P & B Capital on XX/XX/XXXX. They responded on XX/XX/XXXX. I have since retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute. 

You have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a 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, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( 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 ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, you must now remove the item.

Any other action or inaction on your behalf will result in a small claims action against your company.

I will be seeking { {$5000.00} } in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I fell behind on our mortgage due to the XXXX XXXX ; I called my lender XXXX to ask for a forbearance program, which they approved me for. Eventually I went back and forth with XXXX... some reps would say I was still approved for extensions while others said I wasnt. Eventually I applied for a loan modification, which I was told I qualified for ; XXXX gave me my new rate terms and payment. I was extremely relieved and happy. Within XXXX weeks I was told that the approval was done in error, and that I need to start the mod process all over again, which I did. I submitted all the required docs and scheduled the XXXX to be done on the property ... which it was. XXXX then denied my modification because I was at 72 % XXXX and the cutoff was 80 % XXXX : I submitted an appeal asking for any type of assistance just to get back on track. Today XX/XX/21 they just sent me another denial : I am asking for assistance with saving my home and getting back on tract. I am willing to restart the mod process and ask for another appraisal.
Product: Debt collection

On XX/XX/2023, I contacted National Credit Audit Corporation regarding an alleged debt they claimed I owed. Due to being a victim of identity theft, I promptly requested a debt validation letter to verify the legitimacy of the purported debt. Regrettably, rather than cooperating with this request, their representatives responded with hostility, aggression, and a refusal to provide the necessary documentation. 

Throughout my discussions with their representatives, specifically XXXX and XXXX, I endured verbal abuse, raised voices, and intimidation. Their behavior was not only unprofessional but also deeply distressing. Despite attempting to communicate calmly and assert my rights under the FDCPA, I was met with further hostility, they raised their voices, yelled at me, and failed to address my legitimate concerns, and the calls were abruptly terminated on numerous occasions. 

Moreover, despite subsequent attempts to contact other representatives at National Credit Audit Corporation for assistance or clarification, I was consistently directed back to the individuals who had previously mistreated me. This created an environment of discomfort and apprehension, making it seemingly impossible to resolve this matter without facing further mistreatment. 

Furthermore, their insinuation that I was dishonest about the debt not belonging to me was profoundly distressing. As an identity theft victim, I am seeking resolution and clarification regarding the debts in question. Their refusal to cooperate, coupled with their disrespectful and abusive conduct, has compounded the distress caused by the initial identity theft incident. 

I firmly believe that National Credit Audit Corporation 's actions not only violate the FDCPA but also disregard fundamental ethical principles in their interactions with consumers. I respectfully request that the CFPB investigates this matter thoroughly and takes appropriate action to ensure that consumers are treated fairly and respectfully in accordance with the law. 

I kindly ask the CFPB to intervene and initiate an inquiry into the practices of National Credit Audit Corporation. I am also seeking your assistance in resolving this matter and obtaining the necessary validation of the debt as per my rights under the FDCPA and disputing it. 

Thank you for your immediate attention to this matter. I trust that the CFPB will take the necessary steps to address this issue and safeguard consumers from the unacceptable behavior exhibited by National Credit Audit Corporation. Below is the debt collector company. 

National Credit Audit Corporation XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXXXXXX, ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX15 USC 1681Section , 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.
Product: Debt collection

I previously filed a complaint about about National Credit Systems in regards to a collection they have on my credit report for XXXX XXXX XXXX. They provided you and myself via mail with a copy of my lease and a bill that was faxed to them XX/XX/XXXX stating that XXXX XXXX verified the debt. XXXX XXXX was the owners in XXXX when I signed my lease and XXXX I moved out, XXXX the property was sold to XXXX, then again in XXXX to the current owners XXXX XXXX. The original owners business no longer exist no contact information can be found and they no longer hold a business license in Arkansas. The current owners and the one prior to them stated they have no record of debt and no way of providing National Credit Systems with a verification of debt. They cant even provide me of any records. This collection agency has obtained old documents in attempt to collect money from me, by saying they are collecting on behalf of XXXX XXXX which is false information. Secondly any debt that was with the original owner XXXX has reached the statute of limitations Arkansas Code 16-56-111.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an item on my credit report, which I believe to be inaccurate and unverified. In accordance with 15 USC 1692g, I request that this item be removed or corrected unless the debt can be fully validated. 

The account in question is as follows : XXXX XXXX XXXX : Unknown Creditor Name : XXXX University As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. Until such time that the debt is fully validated, I request that all collection activities related to this debt cease and that this unverified debt be removed from my credit report. 

Please provide me with the following information to verify the debt : 1. The original creditors name and address. 
2. A detailed explanation of the debt, including proof of its validity. 
3. Documentation that the debt is mine and that it is reported accurately.
Product: Credit card or prepaid card

Sofi credit card had a promo around XX/XX/XXXX of offering a 5 % cashback for the first 12 months with a qualifying direct deposit of {$1000.00} per month. Then around the next month, they claim they made a mistake for 5 % but it should have been for 3 % cashback, which is fine for me. I can understand and accept that. I was earning 3 % until XX/XX/XXXX ( therefore I was only earning for around 2 months only ). The 3 % started becoming 2 % cashback and I spoke with phone reps 2 times to dispute this and once on online chat. I was still qualified since I met the {$1000.00} per month in direct deposit. I was also told that they would investigate the situation and see what went wrong. Today is XX/XX/XXXX. I have yet to hear a response back so I decided to message them on chat. The chat rep said that I hit the cap of XXXX points for the 3 % promo. I do not recall any maximum cap for XXXX points. I was not given any terms of conditions that stated that I had a cap of XXXX points. As I ask the chat rep to provide the terms of condition for further proof, the chat rep stopped answering me. Screenshot will be provided of the chat log. I think that Sofi is abusing their system and not following their own protocols. I wanted to report this for further investigation as Sofi is abusing their internal system.
Product: Checking or savings account

I was paying for services from a supposed to be landlord or realtor lady named XXXX. she charged me XXXX for an house package or places she offered for people with less than perfect credit. I was suppose to get the package on the day I purchased XX/XX/14, I was under the impression I would be approved next day, then she kept trying to get more money from me I said no thats wasnt the agreement, so I asked for a refund and she stopped replying shes using her business XXXX XXXX thats under her name XXXX, Ive sent screenshots and the screen names over yesterday to police And I also was referred from a female named XXXX XXXX who claims XXXX helped her but she scammed me.
Product: Checking or savings account

On XX/XX/year>, I received a letter from JPMorgan Chase Bank, N.A., stating that my bank account ending in XXXX would be closed within 30 days. The reason provided was that the bank found " evidence of abuse of the claims process. '' However, this decision is completely unjust and incorrect because the disputes I filed were legitimate and based on fraudulent transactions caused by identity theft. 

Key Issues with Chase Banks Decision : Victim of Identity Theft : I was a victim of fraud and unauthorized transactions on my account. 
The disputes I submitted to Chase were genuine and in response to fraudulent charges.

I followed the banks standard procedures to report unauthorized activity.

Unfair Account Closure Without Due Process : Instead of protecting me as a fraud victim, Chase decided to close my account. Chase failed to provide specific evidence or give me a chance to dispute their claims. This decision is unfair and penalizes me for reporting fraudulent transactions. Severe Financial Impact : The closure of my account disrupts my direct deposits, automatic payments, and overall financial stability. Chase also stated that I may not be
able to open similar accounts in the future, further impacting my financial well-being.

Actions Taken : I reported the fraudulent activity to Chase as soon as I noticed the unauthorized transactions.

I followed all the banks procedures for disputing fraudulent charges.

I attempted to contact Chase for clarification, but I have not received a fair explanation or any evidence justifying their decision.

Requested Resolution : I request that Chase reopens my account or provides a detailed explanation of their claims against me.

I request that Chase acknowledges my identity theft case and removes any negative remarks associated with my account.

I ask the CFPB to investigate Chase Banks unfair treatment of fraud victims and ensure that consumers are protected when they report unauthorized activity. 
I appreciate your attention to this matter and look forward to your response.