23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Buyer XXXX XXXX XXXX applied for an FHA Loan with XXXX XXXX XXXX Mortgage Consultant XXXX # : XXXX at Consumer Real Estate Finance Co. in XX/XX/XXXX and found a home that he desired to purchase, XXXX XXXX XXXX XXXX, XXXX, PA XXXX and contract was executed on XX/XX/XXXX with Seller XXXX XXXX XXXX. Original Commitment/Loan Approval email/letter was sent with the following conditions : LOAN CONDITIONS 1. XXXX Bank Statements for all accounts all pages please, even if blank a. Please explain and document all large deposits 2. Homeowners insurance Ordered XX/XX/XXXX 3.  Appraisal Ordered XX/XX/XXXX 4. Title Documents ordered XX/XX/XXXX a. Power Settlement Service may you please forward these today? 
Purchase was to be completed/settled on XX/XX/XXXX. On XX/XX/XXXX Underwriter thru loan officer XXXX XXXX Senior Loan Coordinator XXXX # : XXXX required for the first time that a water sample from the well must be taken. This did not arise because of the appraisal and was not stated on the original commitment letter/loan approval from Consumer Real Estate Finance Co. XXXX stated she did not know that this property had a well even though it was stated clearly on the Agreement of Sale - Page 5 of 14, which she had possession of since XX/XX/XXXX. XXXX further stated that this water test was required by government regulations and had to be completed and settlement would be delayed. XXXX and underwriter admitted they missed this item. Buyer paid for water test to be expedited - it failed. Seller hurried and paid extra for quick installation of a water treatment system and buyer again paid to expedite water test which came back clean. XXXX stated verbally and in email/writing if water test came back clean by XX/XX/XXXX that loan could be closed on XX/XX/XXXX. Water test did indeed come back clean on XX/XX/XXXX. XXXX did not process and send to underwriter until XX/XX/XXXX and also requested additional bank statements from the borrower on XX/XX/XXXX. On XX/XX/XXXX we were notified loan was inline for underwriter review. On XX/XX/XXXX we were then notified that even if we received clear to close on XX/XX/XXXX that we would now not be able to close until Monday, XX/XX/XXXX. Underwriter review came back stating loan was not clear to close due to title needing to move/reword information on CD. Consumer Real Estate Finance Company has failed to comply with the rules and regulations outlined within RESPA. Buyer has had to cancel deliveries of furniture to home and reschedule his time off from work/vacation for moving on two different occassions with seemingly no end in sight and no solid closing/settlement date. XXXX XXXX and underwriter seem to have a care less attitude to the point of purposefully trying to delay settlement in her lack of time management on this file and information gathering. CFPB needs to file action against this lender and do a full review of file as this lender is not acting in the best interest of its client. Also no official commitment letter was issued only the emails as attached, which I believe is also another RESPA violation. The buyer 's real estate agent XXXX XXXX is filing this complaint on behalf of buyer.
Product: Debt collection

After reviewing my credit report i identified a discrepancy with an account listed under XXXX XXXX XXXX, that i did not recognize. I also noticed that this collection was being reported as an Opened Accont, which is not under FCRA compliance. This is inaccurate reporting. I have not receive any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect that my credit report has been disputed. I DO NOT believe that this account belongs to me, nor do i believe that the creditor has authorization to attempt to collect on the account that continually negatively affects me.Please Strike and REMOVE this account from XXXX credit Bureau until adequate information has been received and proving that the account belongs to me and all information is correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. This company fails to remove fraudulent account from my report even after notified that the account is fraudulent. I have never opened this account. Someone else used my identity documents to open this account. I sent this company my dispute letter on XXXX.18 and attached with it Fair trade commission report and police report in regard to identity theft but to my surprise they refused to delete this fraudulent account In accordance with the Fair Credit Reporting Ac : 1.XXXX. AC # XXXX This Account is not mine and is Linked to fraudulent I have enclosed 1.a copy of the dispute I sent to them on XXXX15 2.a Police ID theft report and 3.an FTC ID theft report.
Product: Credit card

My name is XXXX XXXX XXXX. My XXXX  XXXX and I are XXXX  cardholders who were victims of a sophisticated phone scam on XX/XX/year>. The scammers posed as XXXX agents and claimed to book us a vacation to XXXX XXXX. They charged our XXXX Citi credit card nearly {$15000.00} : Airfare  : {$7200.00} ( Ref. No. XXXX ) Lodging : {$7600.00} ( Ref. No. XXXX ) We never received any confirmations, tickets, or itineraries. No services were ever provided, and no real booking ever existed. 



On XX/XX/year>, while the charges were still pending, we immediately called Citi to report the fraud. XXXX independent witnesses, XXXX XXXX and XXXX XXXX, were present and participated on the XXXX way phone call. The Citi representative acknowledged that the charges could not be stopped while pending but assured us that we would not be held responsible since this was clearly fraud and a theft of service. Citi initially reversed the charges. 



Since then, Citi has sent several letters demanding we provide documentation of canceled services. This documentation does not exist because the trip was never real. We were scammed, and there was nothing to cancel. We were told at the time that we would not be liable, and we relied on that representation in good faith. 



Despite this, Citi reversed the refund, denied our dispute, and is now holding us responsible. This is unacceptable. There was no contract, no itinerary, and no travel. We reported the fraud immediately. Citi also failed to issue fraud alerts for these unusually large back-to-back charges, despite flagging much smaller transactions in the past. 



This is a clear case of XXXX  financial exploitation and theft of service, and Citi has failed in its obligations under the Fair Credit Billing Act to protect its customers.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report without any apparent reason. When I checked my report as usual, unexpected discrepancies appeared. I attempted to refresh my browser to see if it was a glitch, but the unauthorized inquiries remained. Therefore, I request a thorough review of the documents I sent to ensure I wont have to worry about this again.
Product: Credit card

American Express reported my account late as 30 days when it was only 5 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have been requesting the removal of a fraudulent address from my credit report and any accounts associated with the fraudulent address. With my most recent dispute, XX/XX/XXXX, I included a copy of my drivers license, ss card, letter from bank, utility bill and police report. Today I received letter from Experian dated XX/XX/XXXX, stating that they needed additional information which according to the letter, I included all of the requested information with my dispute. XX/XX/XXXX I contacted Experian via phone and spoke with XXXX from the fraud department and he informed me that they would not remove the fraudulent address because it is associated with an open account which i have also been disputing to no avail. They have also placed a statement on my credit report saying that I requested they put a fraud alert on my account which I did not. I am requesting the removal of the fraudulent address and any accounts associated with it. I am attaching the letter I sent to Experian as well as the police report and letter from bank. I will not attached my drivers license, ss card or utility bill.
Product: Money transfer, virtual currency, or money service

Transaction Details : Date : XX/XX/year> Amount : {$5000.00} USD Originating Bank : Vystar Bank, XXXX XXXX XXXX, XXXX, FL XXXX ( in-person transaction ) Intermediary Bank : XXXX, XXXX XXXX XXXX, NY ( XXXX : XXXX ) Receiving Bank : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : XXXX ) Vystar Confirmation Code : XXXX Problem : The {$5000.00} was never credited to the recipient 's account at XXXX XXXX  XXXX. 
XXXX XXXX  XXXX denies receiving the wire transfer as of XX/XX/year>. 
Communication and Attempts to Resolve : Multiple unsuccessful attempts to contact Vystar Bank ( phone and in-person ). 
Attempts to contact XXXX. 
Multiple contacts with XXXX XXXX XXXXXXXX, including two in-person visits by the recipient. 
As of XX/XX/year>, XXXX XXXX  XXXX continues to deny receipt of the funds. 
Vystar bank has stated that they wired the funds, and provided the confirmation code listed above. 
Vystar bank stated on XX/XX/year> that they will request to recall the funds. 
On XX/XX/year> a Vystar representative stated that the resolution could take 3-4 weeks. The same representative mentioned XXXX XXXX XXXX, which causes concern due to the fact that XXXX XXXX was not an intermediary bank in the transaction. 
Impact : The intended service, for which the funds were sent, could not be provided, causing significant and ongoing irreparable damage. 
I am requesting an immediate refund of the {$5000.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX along with providing proof of debt payoff but XXXX is not correcting the credit report at their ends. XXXX is report 2 debt collection 1 is from 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 XXXXXXXX for {$21000.00} whereas I have proof that shows the account is now with XXXX XXXX XXXX does not conduct servicing or debt collection activities. So, you'll need to contact XXXX XXXX  to talk about the status of your loan. You can reach them at ( XXXX ) XXXX. Best Regards, XXXX XXXX. I have settled debt with XXXX and requesting XXXX to remove both negative balance from my credit report which XXXX is not agreeing with.
Product: Credit reporting or other personal consumer reports

I have this account reporting on my credit report XXXX XXXX opened on XX/XX/year> amount XXXX.
Product: Vehicle loan or lease

on XX/XX/2023 American car center closed. Left their consumers high and dry. On Social media I found out that XXXX XXXX XXXX took over. XXXX has never made contact with me. I believe that American Car Center scammed and broke their contract with me. Not only that I have a list of items wrong with the vehicle they refused to fix. I believe this is wrong on so many levels. I would like the title to my car and my money back. I made all my payments on time. I never missed a payment. So I hope you can help me. The contract itself has a lot of holes in it. if you need anymore paperwork let me know
Product: Credit reporting or other personal consumer reports

XX/XX/year> I filed a complaint concerning the inaccurate information on my credit reports XXXX and the other two main agencies all have different inaccurate information Addresses, Social security number, phone numbers auto loans credit cards information that is false and it's hindering me from getting a job, or credit, or housing and I can't apply for a auto loan to get a vehicle.due too the data breach issues with XXXX twice now I am suffering from identity theft and I placed a freeze on my account s both someone was still opening accounts using my information. I seek a remedy from all the credit reporting agencies to remove the inaccurate Information from my name and social security number and to provide the details of everything on my reports that have been investigated and are in compliance with Rights.
Product: Debt collection

Following a visit to an ER I received collection notices from a company called XXXX XXXXXXXX. I advised them via phone and a mailed written letter that the debt that they allege is mine is not mine. They continued to harass me via phone for several months following my dispute of this debt. I made a point of sending my written dispute within the 30 day period as required under the FCRA legislation. They did not care and proceeded to hit my credit report with a negative report. 

I guess both written and verbal disputes that are received from the public are ignored by Americollect. Please assist me with cleaning up this matter.
Product: Credit reporting

One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX Loan Rep XXXX XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or Stolen accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help me!
Product: Debt collection

On XX/XX/XXXX I paid the amount of {$890.00} to XXXX XXXX regarding a student loan debt for my mother XXXX XXXX XXXX they advised that once I paid the money of {$890.00} her loan she would not owe a dime any more and the loan would be a XXXX balance. This was not the case a year after she signed the paperwork and I paid the amount of {$890.00} which the paperwork they said showed but the student loan XXXX XXXX advised this was fraud and that my mother still owed the debt. They also advised that every year she would need to recertify which XXXX XXXX never told me when they were getting my money. I am requesting a refund based on FRAUD false misleading documents received XXXX took money from me on false pretense and sent paperwork FRAUDULENT DOCUMENTS to the consumer. I advised Navy Federal Credit Union of the FRAUD immediately and ask for a refund to be credited back to my debit card. As of today 's date after filing this with Navy Federal on XX/XX/XXXX I have not received a refund for the FRAUDULENT TRANSACTION. This company is sending out FRAUD DOCUMENTS making the consumer believe they are debt free from the debt when they are not. Acting on behalf of the Federal Government in order to receive money that they are not entitled too.
Product: Checking or savings account

For over a year now Ive been asking the Truist Financial Corporation why the bank is not using Two Factor Authentication ( 2FA, ) for access their Web Online services. After repeated inquiries for an answer the Banks IT security department has ignored my requests. My hope was that this security feature would have been implemented as part of the merger with BB & T in XXXX however it was not!! I don't believe Truist taking its customers online security seriously and would like the bank to step up and enact the 2FA for Web Online Access to their services. Left frustrated with the Banks lack of concern for its Web Online customers Im requesting the Federal Financial Institutions Examination Council ( FFIEC ) investigate the Truist Financial Corporations Online Authentication and Access Risk Management policies. If the management of all the banks security policies ( especially Web Access ) are found to be inadequate, I would like to see the Consumer Financial Protection Bureau ( CFPB ) take immediately action to have Bank address them in a timely manner Thank you for your consideration
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XX/XX/2021 I submitted a letter to the Big Three credit reporting agencies ( Equifax, XXXX, XXXX ) regarding inaccurate and unknown items on my credit report. 

It has been over 60-days since I sent the letters to the credit bureau and as of today I have not received a response. I feel as if I'm being taken advantage of and my request are not being investigated in a timely manner. Section 611A plainly states that affiliate action for these items be investigated within 30-days proper or these inaccuracies be removed immediately. In the Fair Credit Reporting Act, it states that if a creditor is reporting inaccurate negative information on my credit report and cant provide any evidence of the requested items., this is grounds for a law suit. 

It has been over 60-days and I demand that these unverified accounts be deleted immediately or I will file a litigation due to the stress and false reporting this has done to my credit rating. This information may effect an Equifax data breach and fall into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Product: Bank account or service

wells fargo is the heridator, assignee, heir of banks I held certificates of deposit and othere accounts. they refuse to honor payment of certified checks and/or certificates of deposit held by the prior institutions. they do not respond to questions, rather than to say it is n't their problem because records do not have to be maintained. in the meantime I am out XXXX figures originally set aside in cd 's for the higher education of my children. as well as a XXXX figure certified check they cashed remanding the money to someone I have no contact with.
Product: Credit card

I have not been consistently receiving my credit card statements from Regions Bank. I have received the following statements in 2016 : XXXX XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016. The only time I have received statements after the XXXX 2016 statement is when I called Regions to complain. I would get the next months statement and then no statements after until I called. Regions continually said they were mailed to my current address and verified with me my address. Finally someone at Regions ( XXXX XXXX ) discovered my statements were being mailed to an address I used a long time ago. In fact I have moved twice since using that address. The problem was in Regions system as I had not authorized that my statements go back to that address. I also can not sign up to view my account online as Regions has a problem with the online system. The online system will not let credit card only customers to sign up for an account. My identity could be potentially compromised due to Regions error in sending my statements to a wrong address. Also I think Regions should refund me any late fees for the months I did not receive a statement and provide me a copy of all of my 2016 statements and where they were mailed too.
Product: Checking or savings account

Chime online Banking On XX/XX/XXXX Time : XXXX pm XXXX XXXX removed {$26.00} from my checking account unauthorized. 

On XX/XX/XXXX XXXXXXXX XXXX XXXX removed {$7.00} from my checking account unauthorized On XXXX or XXXX XXXX XXXX removed {$0.00} from my checking account unauthorized I gave no authorization for any of there companies to have access to my checking account. 

XXXX and XXXXXXXX XXXX XXXX  the XXXX have been redeposited into my checking account. 

I recently changed my debit card and pin number at Chime online banking app None of these businesses should have my banking information, but yet some keeps accessing my Chime online banking account.
Product: Debt collection

I do not have a contract with Eastern Account Systems. I am not liable for their debt.