23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been working with 3 persons from Better. All the 3 gave me different responses to my questions. I have been acting like a coordinator between them to make things in sync. I dont know if there is a proper structure being followed in Better. 

I completely lost my hope with Better, fully frustrated on how the things went and I wanted to reach out to someone in the higher authority to make sure my concerns are heard and to get a confidence about my refinance. 

When I initially talked toXX/XX/XXXX for the rate, I was told that I didnt qualify for the appraisal waiver according to XXXX XXXX guidelines and the estimated property value which I see in Loan Estimate is not correct and an appraisal will be done to get the value of the house. 

No appraisal was done and then comes the second stage where I was told to sign an appraisal waiver with no mention of the property value. I asked XXXX the same question about the wrong estimated property value then I was told that I see only the estimated value and once the process is all completed I will get the actual amount and I should refer to loan estimate only for the rate and closing costs. 

Then it goes to the third stage when XXXX XXXX talked to me and I asked the same question then she said she will ask XXXX how this number is determined. 

Before receiving the response from XXXX, XXXX XXXX, closing person from Better sends me the initial closing disclosure and says this number is final. I was completely lost and realized If I dont get an answer at this stage then I will never get. Thats why raised this as the main concern. Then XXXX calls me and says she will update the value to XXXX   because of the docs and renovation list I did in my home, which at least goes in line with the market trend of my neighborhood. My profile was updated and everything was looking good. Then she said XXXX will call and finalize the closing date. XXXX calls me next day and says he cant go by that value. 

I am totally frustrated. 

I was tricked by the loan officer XXXX when she asked me the estimated property value which was later manipulated to actual property value and I was intentionally given wrong hopes that an appraisal will be done and corrected at all stages. I feel like I have been totally cheated by Better and manipulated to get my application withdrawn from other lenders. 

All that Better did through out the process was giving me false promises and hopes and made me withdraw all my applications from other lenders and after making sure am not tied with any other lender, they are trying to make me nod to whatever they say. 

On top of all this when I tried to resolve this with a higher authority, I was contacted by XXXX XXXX XXXX XXXX Refinance Manager NMLS # XXXX Who made the situation even worse by giving me wrong information and accusing me without any base. At a point he accepted the mistake from Better but didnt take any steps to resolve it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

In XX/XX/XXXX, after a car accident, I paid a portion, insurance paid a portion for car repair and rental of car. In XX/XX/XXXX Regions Bank began issuing a bill for the car rental. I have paid some on this bill, even though I do not believe I own this bill. The bank has been billing for this, since XX/XX/XXXX. The amount now due in XX/XX/XXXX is {$910.00}. I talked to the local bank branch, they could not resolve this issue. I sent a letter to the Regions Home Office in XXXX or XX/XX/XXXX. I did not receive any reply from Regions Bank.
Product: Credit reporting or other personal consumer reports

Recently Purchased A Copy of my consumer credit report and learned that I have ( XXXX ) unauthorized hard inquiries hurting my credit report. I did NOT authorize anyone to MIs-REPORT or fraudulent use my social for any purpose or matter without my written consent please remove immediately. 

XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX
Product: Debt collection

This complaint is solely aimed at the unprofessional, disgusting practices of TD Bank. My wife 's accounts were suddenly put into XXXX and frozen because a collection attorney claimed that my wife owed around {$5000.00}. They created a garnishment summons out of thin air!! There was never any notification of a judgment, we were never served with any paperwork, never received any notification of an account going into the judgment and we still don't see this so called judgement on the credit report. Therefore we were caught off guard by this. Nonetheless what makes this even more insane is that when I contacted TD Bank they agreed that the paperwork submitted by the collection attorney was inaccurate and didn't seem right but there was nothing they can do about it. And what makes this even worse is that my tax return, in my name {$1400.00}, went into our joint account and they refuse to release it. Its my money! I don't know or understand why TD Bank is doing this when they even admitted that the attorneys submitted the wrong paperwork and that they also can not find the judgment. TD Bank refuses to put any of this in writing which makes it even more shady. I respectfully request CFPB gets involved in this incredibly unprofessional business practice at once. The people at TD bank from the XXXX department are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir / Madam, This Is For Your Kind Notice I Applied On XX/XX/XXXX XXXX Credit Card And Got Turn Down By One Of The Main Reasions That CITIZENS BANK AUTO LOAN Notified All Credit Agencies That I Am Participating In a Payment Relief or Deferral Program, Recieving Modified Terms, or Credit Counseling Service, On One or More Of My Account or Loan. 

When I File a Dispute As I Never Called or Requested Any such Type Of Relief Program Then XXXX New Accounts Review Department Came Of The Exect Words That CITIZENS BANK Notified On XX/XX/XXXX To XXXX Trade Line 5 That I Am Effected By Natural or Declair Digaster For Flood Related Relief Program Which Is Totally Unecceptable As I Bought A XXXX XXXX XXXX Through CITIZENS BANK AUTO LOAN And I Pay There Installement Always On Time or Before Time And I Dont Have Any Issue With Any Of The Creditors To Pay My Installement or Loan. 

I Always Paying My Credit Card Bills And Auto Loan On Time or Before Time.

Then I Contacted CITIZENS BANK AUTO LOAN Supervisor / Manager On XXXX XXXX, XXXX. To Look Into This Matter Which Is Effecting My Credintials With Creditors And My Personal And My Family Life Because Of There Negligance. Then Sai We Informed We Open The Case ( XXXX ) Reference ( XXXX ) For You And Forward It To Office Of The Chairman So You Will Get A Call From Them In 24-48 Hours But No Body Called the I Contacted Them Again And Again As No Body From Office Of theChairman Offcice Called Till Now I am Writing This Complaint Of Fraud On My Credit Report. XXXX EST On XX/XX/XXXX. 

So Please Look Into This Matter Which Is Effecting My Credintials To Creditors, My Personal And Family Life. 

Thanking You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
XXXX, NY XXXX. 
XXXX : XXXX XXXX XXXX.
Product: Vehicle loan or lease

On XX/XX/2019, my car was totalled. I informed the loan company that the insurance company will be sending them a lump sum payment of over 16,000. I told them to not.take the payment set up for the XXXX. The tepresentarive was nasty about it because I did not have a date when that payment would be sent from the insurance company. I told her I was injured and not able to work and tbe payment will not be in the account. Today, XX/XX/2019, the payment was submitted and it bounced my account. I have to reverse this payment and my account is XXXX in the hole. I told them.2 weeks ago not to.take.the payment. I cancelled that transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS XXXX my DOB is XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( 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.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. Experian, XXXX, and XXXX assumed this role without permission, not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. 


They never had a permissible purpose Under 1681 b number 2. I never instructed them to furnish this report and I never consented to this report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT XXXX IS REPORTING THAT I OWE AMERICAN EXPRESS {$1000.00} AND XXXX XXXX {$760.00} WHICH SOMEONE GOT A ACCOUNT IM MY NAME, I SENT THEM A COPY OF MY POLICE REPORT AND ALL SUPPORTING DOCUMENTS THAT IM A VICTIM OF IDENTITY THEFT. ALSO EQUIFAX IS ILLEGALLY REPORTING THAT I HAVE A BALANCE OF XXXX WHICH I DONT, I WROTE MULTIPLE DISPUTES ON THESE ACCOUNTS AND THEY REFUSE TO FULLY VALIDATE THE INFORMATION THERE REPORTING. AT THIS POINT THEY ARE VIOLATING MY RIGHTS SO THIS MY FORMAL COMPLAINT. IM ALSO MOVING FORWARD WITH THE INTENT TO SUE ALSO
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed a unauthorized account on all three reports. I disputed the XXXX XXXX account and it was removed from XXXX. under the FCRA, any item found inaccurate or unverifiable information must be shared between all three bureaus. Transunion and XXXX have refused to follow the guidelines they have in place or provide proof used to verify data repoerting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first dispute with XXXX XXXX XXXX was already closed and they stated that they closed the account and sent it back to the XXXX XXXX XXXX. They stated that the account would be removed from my credit report and to allow time for this to be processed. However, it was not removed from my credit report ( date of last activity was in XXXX ) and they have started leaving voicemails all over again. This account was illegally re-aged to appear as a new negative account as of XXXX although the date of last activity was in XXXX.
Product: Mortgage

I filed Civil Cause # XXXX, XXXX XXXX XXXX v. Bank of America ( BOA ), in the XXXX XXXX District Court of Texas for breach of contract, slander of title, fraud, FDCPA violations and negligence on XX/XX/XXXX. My lawsuit is based on a title audit that clearly proves Bank of America was an FHA pretender lender that did not have standing to enforce the provisions of my Deed of Trust. Despite this lis pendens regarding the title to my homestead, BOA sold my property to XXXX ( XXXX ) during a substitute trustee auction on XX/XX/XXXX. XXXX 's attorney, XXXX XXXX XXXX XXXX. ( XXXX ) immediately filed Cause # XXXX in XXXX XXXX XXXX XXXX XXXX XXXX and a default judgement for possession was entered. My lawyer appealed to the XXXX XXXX County Clerk but quit the day before I was to appear in Court-At-Law No. XXXX. The Assoc. Judge over ruled my motion for a XXXX-continuance to prepare or find legal counsel and refused to consider evidence I presented to support my adverse claim to my home. I appealed the trial court 's ruling on XX/XX/XXXX and filed a pauper 's affidavit, which according to the Texas Rules of Civil Procedures, Rule 510.9 ( 5 ) ( e ) should have stopped all adverse actions against me until the Appellant Court decides on my appeal. Despite these rules, XXXX requested a Writ of Possession on XX/XX/XXXX to evict me from the property and the writ was issued on XX/XX/XXXX in violation of the Rules. I was served by a county constable and my lawyer and I have been fighting eviction every since. Despite the fact the writ is now XXXX, XXXX and the constable have continued efforts to execute the writ and evict me from my home despite pending litigation and appeals. This is also in violation of Rule 510.8 ( d ) ( 2 ), which states a Writ of Possession can not be executed after the XXXX day after the judge signs the order for possession which was signed on XX/XX/XXXX. The XXXX XXXX XXXX Associate Judge, the XXXX XXXX XXXX office and XXXX have been avoiding my lawyer, XXXX XXXX XXXX ', efforts to have the writ lifted because of the XXXX Texas Civil Procedure rule violations. I have also been informed by the constable that they plan to execute the writ and evict me from my home within the next three days. I am contacting you because you have assumed responsibility for protecting consumers from such egregious violations of federal laws and illegal foreclosure actions. I am uploading details concerning each case. Please investigate on my behalf.
Product: Mortgage

This is a complaint about Specialized Loan Servicing ( www.sls.net ). 

My father died from XXXX in XXXX. He was listed as the borrower on a small mortgage he was paying off for the house he was living in, which I am the title owner of. 

As we want to sell my father 's house, I sent information to the current loan company XXXX XXXX XXXX XXXX on XX/XX/XXXX via fax and email XXXX my parent 's death certificates and copy of the title showing me as the owner since 2018 ). They promptly reached back out to me and told me this loan was in the process of being sold to another company XXXX XX/XX/XXXX ), Specialized Loan Servicing. I immediately called this loan company that same day XXXX XX/XX/XXXX ) but was told I was not authorized on the account to receive any information. And that I had to wait for a packet to come in the mail at the address of the loan. 

Nothing has come in the mail from this company as of today XXXX XX/XX/XXXX ). Knowing that I have rights as the owner of the home I went ahead and mailed my father 's death certificate, the title of the loan, and a letter stating that I am the successor of the loan and need the payoff amount priority mail on XX/XX/XXXX. I also faxed this information to the fax number on their website and sent the same information to two different email addresses ( their customer service agents gave me over the phone ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

I have called almost daily to get an update and see if they received the information I sent to them ; and to inform them that I have not received anything in the mail from them ( or from XXXX XXXX XXXXXXXX stating that the loan was transferred ). 

They claim they have not received the information and stated that the problem may be that we don't have the new loan number added to the documentation ( we did include the original loan number from XXXX XXXX XXXXXXXX ), but they could not give me this new loan number over the phone. So now I am stuck with no way of sending them information that I am the successor of the loan unless I somehow get the " packet '' they sent. 

This is holding up the prospect of selling my father 's house and personally costing me money as there wasn't an estate to pull these funds from and we are still paying on this house. I really don't know what else I can do at this point to get the loan payoff amount. 

Customer Service : I also want to note that their customer service agents hung up on me multiple times, transferred me when they didn't want to deal with my problem, and were downright rude to me and my wife when we explained our situation and that we have sent them the information they asked for. I have worked customer service before and this was the worst I've ever seen. When I asked to speak to a manager, I was always told that was not possible. 

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

A few months ago, I submitted a complaint against Equifax Credit Bureau. For some reason, they're continuously reporting XXXX auto loan as being closed. My auto loan is NOT CLOSED. It is very much so, open. I actually still owe nearly {$25000.00} on the loan. 

I would like for them to report my loan as open and stop reporting it as a closed account.
Product: Credit card

In XX/XX/2022, Citibank closed my Credit card accounts without stating a reason for closure, my Credit card account numbers are XXXX ( Citi Premier ) and XXXX ( Citi Shop your way ). I had no remaining balance on any of my cards and I had a reward balance on my cards that exceeded {$600.00} in value which Citi forfeited for undisclosed reasons. 

I should be getting my rewards value back.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX or XXXX, I went to my local U S Bank branch to instigate a wire transfer of money to XXXX. Their computer told them I had recently moved, and I spent XXXX hours proving I had not moved. Then, there was a problem with the SWIFT number the XXXX bank gave me. It was lacking the last 3 numbers ( branch indicator ). U S Bank did not know that if there are no last 3 numbers, XXXX  is the default. I found this information on the internet. I went back the next week, Wednesday XX/XX/XXXX. After about 2 hours of intense interrogation regarding the purpose of the transfer and my relationship with the recipient, the branch informed me the transfer was approved. Before the verbal approval, they gave me papers, which I thought was a receipt, and which I reviewed later. They papers were not a receipt, they described the transfer. In very small print, the papers had informed me that the bank 's exchange rate was much less than the going rate, which resulted in me being charged {$250.00} for a {$10000.00} transfer in addition to the {$50.00} transfer fee. The paperwork states that the funds would be availasble to the recipient XX/XX/XXXX. After the transfer was accepted by U S Bank, I was informed it could take up to two weeks for the XXXX bank to make available the funds to the recipient. The disclosures were made in tiny print, and after the fact. As of this date, the money has not been received by the recipient. U S Bank tells me they can not get any information. I have no idea where my {$10000.00} is. I can only hope it shows up in the recipient 's account. I am not even sure that the XXXX might yet reject the transfer. It is as though my money has gone into a black hole.
Product: Vehicle loan or lease

Toyota Financial Services take payments out of my account without my authorization or permission. I am also not enrolled in autopay, when I am late certain days for my payment they automatically take it out of my account without my permission. This is not disclosed properly when you sign up under their services.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX XXXX processed a refund in the amount of {$670.00}. I was told 10 business days MAXIMUM, they even gave me a transaction/pay ID number for the bank to look it up. Banner bank says they do not have it or have never received it. I have made multiple phone calls to both companies and just keep getting told to call the other. My money can not just vanish.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 0. I have proof of Negligence as well as Non-compliance. 
Account name : XXXX XXXXXXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

XXXX has deleted this account, XXXX XXXX Equifax need to please follow suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft GS BANK USA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I had my check deposited into my account and I was scammed and they used Zelle to transfer all the money out of my account and instead of the bank investigating they closed my account and never reimbursed me my money