23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently obtained a mortgage from HSBC. Initially, we were offered a rate which we " locked in ''. I signed the lock in agreement with HSBC specifying the rate and the subject property ( with the actual address ). Later, during the underwriting process, the loan officer changed the rate to a higher rate in violation of the lock in agreement even though nothing had changed. The property was the same exact property as listed in the original lock in agreement. I protested and insisted that we had a binding agreement. The lender would not budge. The closing date for the property sale was nearing and I had already paid for an appraisal assuming the lock in rate. I could not seek out another lender as it would cost me a second appraisal and would result in the seller potentially issuing a " failure to perform '' per the sale contract. I was over a barrel. I feel that this was a clear case of " bait and switch '' in which a lower rate was offered at first only to be revoked later when I could not switch lenders.
Product: Credit reporting or other personal consumer reports

This is now my third and final formal dispute with XXXX XXXX, and frankly, I am beyond fed up. I have given you more than enough time to address these glaring violations, yet you continue to ignore my rights and conduct fraudulent, half-hearted investigations that achieve nothing. Your blatant disregard for federal and state laws especially the Gramm-Leach-Bliley Act ( 16 CFR Part 313 ), the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 et seq. ), and the Fair Credit Reporting Act ( FCRA ) is outrageous and unacceptable. To make matters even worse, XXXX XXXX. still fraudulently reported this XXXX account on my TransUnion credit report without my consent. This unauthorized reporting is yet another clear violation of FCRA sections 1681g ( e ) and 1681s-2, which require accurate reporting and a legitimate investigation into disputes. This is not just negligence it is willful misconduct that continues to damage my financial stability, credit, and privacy. Despite my repeated objections and efforts to resolve these issues, XXXX XXXX. has failed to take any meaningful action. You never provided me the legally required opportunity to OPT OUT of sharing my personal financial information, a direct violation of the GLBA and New Jersey privacy laws. And now, in addition to reporting a fraudulent account, you have added unauthorized information to my credit report further worsening your noncompliance with the law. XXXXXXXX XXXX utter failure to conduct any real investigation and its blatant negligence in allowing false information to remain on my credit report violates FCRA section 1681e ( b ), which mandates maximum possible accuracy. It is evident that XXXX has no regard for identity theft protections under 15 U.S.C. 1681a ( q ) ( 3 ) or dispute-handling standards under 12 U.S.C. 5531. This pattern of willful negligence has caused me financial harm, emotional distress, and lasting damage to my credit. Let me be absolutely clear : XXXX refusal to address my disputes, its fraudulent reporting of a XXXX XXXX on my TransUnion report, and its failure to remove unauthorized accounts from my credit file are flagrant violations of federal law. You are engaging in deceptive and unfair practices in direct violation of the Fair Debt Collection Practices Act. I will no longer tolerate this blatant disregard for my rights. Consider this your final warning. If you do not immediately delete this fraudulent information and correct these violations, I will escalate this further through all available legal and regulatory channels.
Product: Mortgage

I made a {$2200.00} regular payment plus an additional principal payment to Shellpoint mortgage servicing ( check # XXXX mailed XX/XX/XXXX ) and they have once again incorrectly applied my payment.
Product: Student loan

My hours were reduced at work last year, so I requested a graduated loan repayment option. My job was recently terminated, so I could not afford the graduated payment amounts. The loan holder insists they can not provide me with any other options to reduce my monthly payments, as private loans do n't qualify for the IBR program ( as do federal loans ) ; and they ca n't purchase student loans, so they ca n't refinance or consolidate the loans.
Product: Mortgage

Had a HELOC that was maturing with PNC Bank. I worked with PNC Bank to renew the HELOC ( place it on an amortized payout ). The process took longer than expected ... the approval was never an issue. Per their instruction I continued to make monthly payments on time. They have a XXXX4 month trial waiting period before the renewal is loaded into their system. Since the HELOC is showing matured in their system ... .they are reporting me ( as of XXXX ) 90 days past due ... even though I continue to make payments per the agreement on time ... I have never been over 30 days late on any debt in the last 20 years. I am a mortgage professional and good credit standing is vital to my license status. This has impeded my ability to borrow money at top tier rates. At last check my score had dropped XXXX points. I tried resolving directly with PNC Bank and with a formal dispute via the XXXX credit reporting agencies. If this formal complaint does not rectify the situation my next option will be to consult legal counsel.
Product: Debt collection

It was a Data breach and I the my credit was one of the ones compromised. So I need all late payment, hard inquiries, and negative items off my credit.
Product: Student loan

I would like an audit of all the funds that I have paid into XXXX XXXX n/k/a Navient, especially on how they calculate interest. By my simple math, I have paid {$15000.00} since XXXX/XXXX/11 on a loan that only totals {$30000.00} and I have not seen the principle balance go down not once. How can this much interest be charged and calculated so crazily. I do n't trust Navient 's math and I would like to see how they calculate my interest so that even though I have paid {$15000.00} over the past 5 years, my loan balance refuses to budge. I have a car, with higher interest rate than my student loans and I only have to pay that for 5 years. How is this legal? Where is the oversight? Who can audit this account to make sure that no funny math is being used. Over the next 15 years, at this rate, i will have paid over {$60000.00} for a loan that is only half that amount. How can my interest rate flux between 9 % and 10 % and yet the balance never goes down. Please check the numbers as something is n't right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : DEPT OF EDUCATION/NELN # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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  Balance : {$27000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Checking or savings account

My account was restriction on XX/XX/XXXX. Received a notice in email stating my balance is XXXX XX/XX/XXXX. Called social security to inform them my account is XXXX dollars. Social security stating there is no asset recovery and chase bank stating funds are mine. Return to chase bank where they stated I was going to get a check and notice that was sent out on XX/XX/XXXX. It now XX/XX/XXXX haven't received anything returned to chase now they are stating they don't know and never told me anything about check. Getting the run around still can not get social security turned on until I get letter from chase stating why account closed and where funds are going please help me this is stressing me out. I don't understand what's the problem why can't they just give me something in writing this is illegal thanks
Product: Mortgage

Wells Fargo will not speak to me about the options open to me to modify or save my FHA mortgaged home. They tell me to have my lawyer contact their lawyer. I explain that I do not have a lawyer and can not afford to pay a lawyer. They then tell me to contact the lawyer : XXXX XXXX XXXX. I try to call them and can only reach a voice message that tells me to leave my name and contact information. I have done that several times but no one calls me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I would like to request that the following account XXXX  Account # XXXX be blocked and removed from my report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit card or prepaid card

I closed my XXXX XXXX credit card on ; XX/XX/XXXX due to my infrequent use of the card. I was told by XXXX in customer service, I would receive my final bill in the mail. I always received paper bills and have never signed up for paperless. I never received any further bills. However on XX/XX/XXXX XXXX from customer service called me and stated I was delinquent on my bill. I told him I never receive any further bills. He informed me of some charges dating back to XX/XX/XXXX to XX/XX/XXXX totaling {$260.00}. I recalled the charges and immediately told him I would pay on my Online Banking while he was on the phone on XX/XX/XXXX ( amount {$260.00} to pay balance in full ) On XX/XX/XXXX I received a refund check in the amount of {$240.00} stating ; Attached please fine a refund check from your account. Thank you for your business. Sincerely Customer Service ( That was the entire letter, which I have a copy of ) Now I getting continuous bills stating I owe Synchrony Bank {$280.00} plus late charges. I have reach out numerous time to state I have a copy of my final payment to them. 
I have called them on XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XXXX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX. 

I have told them numerous times I paid them in full. And yes I received a refund check. for {$240.00}. Not the same amount I paid to close the account. I question there billing and non billing of my account. And now a refund check is all in question. I will not send any further payments nor returned any refund that was due to me.
Product: Mortgage

I applied for loan with JMAC Lending on XX/XX/2018 My initial loan officer was XXXX XXXX. We talked on the phone on XXXX XXXX and discussed my lending needs and tight time frame for closing. We discussed several loan options and locked a rate of 3.375 % for 7 Year ARM. An appraisal was ordered and I submitted 100 pages of documentation. It seemed that I was submitting documentation every single day. We waited for what seemed an eternity and the loan was finally approved on XXXX XXXX.

Since the closing date was supposed to be on XXXX XXXX, my realtor after conferring with JMAC drafted an a contract amendment for the seller to extend the closing date. The seller signed the extension, but I had to pay an option fee to get the contract extended and put up additional earnest money. The seller was not happy, as I was purchasing the property significantly less than his asking price and the house was appraised at {>= $1,000,000} and I was purchasing the house for {>= $1,000,000}. In addition, according to my agent, he had lost two other offers because of California Loan Companies. 
Thinks now looked good to close until I was notified about a week later that JMAC would most likely not be able to make the new closing date that was signed in the extension and I would have to ask for another extension. At this point, I decided to cash in investments and close with cash or risk losing the deal. 
I discussed this with my loan officer, and he said we could close with a different type of loan after I had a closed with cash to get my money back out. He said the new process would be very fast since I was already approved, they had all of my papers, and hopefully we could use the appraisal that was just completed. Shortly after that, we agreed upon a new rate of 3.875 % and moved forward I good faith to close on a new loan. Loan disclosure statements were sent to me to sign which I promptly signed electronically A new appraisal was ordered and charged to my credit card, after being told that the first appraisal would work. In the second appraisal, the house was appraised at {$1.00} million ; I was only financing {$750000.00}. After several weeks passed, I sent an email requesting the stratus of loan. I was told that my loan officer and loan processor were no longer with JMAC and that my loan had been reassigned. 
The new loan officer and processor requested numerous other documents. In addition, they sent me a new loan disclosure for 4.875 % a full 1 percent higher that my approved loan disclosure and 1.5 % higher than the original rate of 3.375. % Thinking this was an error, I sent an email back to loan processor of why the rate was higher. I later received notice that a notice that they could not honor the first loan disclosure because that loan is not available in Texas. I said the new rate was unacceptable. I was told that they would check with the manager. I was asked for more papers which was submitted but never contacted by the new manager. 
After sending several emails, I decided to apply for a loan wit the mortgage company. My loan went very fast and now have my mortgage and at higher rate.
Product: Checking or savings account

My debit card expired. I never received the replacement via mail. Someone else seemed to have intercepted my card and began using it. They were able to activate my card. They charged approx {$3000.00} until my checking account was emptied. 

I reported this on XX/XX/year> to Wells Fargo in person. Went over the fraudulent purchases one by one. They were in a different town than I live to stores I never frequent.

Was told they would " get back to me ''. Visited bank two more times and was told it would be resolved in " 10 buisness days ''. Never received any further emails or information. 

Checked via their website and only information was " after careful consideration the claim was denied ''.
Product: Credit card

My Citibank credit card ( Custom Cash ) was charged for XXXX XXXX transactions ( total amount is around {$580.00} ) within a minute which was unknown and unauthorized on XX/XX/year>. I contacted the fraud department of Citi and disputed the transaction instantly, requested a new card number as well. After a month later ( as of today XX/XX/XXXX ), this XXXX fraud, unauthorized transactions were still charged on my account and Citi is asking the innocent card hold to pay the bill which doesn't belongs to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 Acct # XXXX, Account name : XXXX Acct # XXXX, Account name : XXXX XXXX XXXX Acct # XXXX, Account name : XXXX  Acct # XXXX, Account name : XXXX Acct # XXXX, Account name : XXXX XXXX, XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX Account name : XXXX Account name XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.
Product: Debt collection

i keep receiving letter from portfolio recovery associates, LLC about the debt but they fail to show me the proof of original contract to show me i owe that money.
Product: Credit reporting or other personal consumer reports

Equifax has not updated me on the results of my disputes even though it shows one was completed more than 5 days ago and the other two weeks ago. I specifically had to call to ask for the results since I was not notified. This item was already removed from my experian report and the originator already agreed to have it removed as it is an error reported. ( See attached ) It should not be still affecting me by showing on my report. This is irresponsible of the credit bureau as I should have received the results of the report once completed or within the five business days. The investigation was them simply asking if the account belongs to me and that was it. According to them the company reported that I does belong to me but I had an official letter from the company confirming that it does not. XXXX also did a more thorough investigation and concluded that this report was in error. The company supervisor suggested that I file a 4th dispute leaving me feeling unprotected with their horrible service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally file a complaint regarding several collection accounts that have appeared on my credit report, which I suspect may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple collection accounts that I have no knowledge of and have never initiated. These suspicious accounts include XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX I kindly request that the Consumer Financial Protection Bureau investigate this matter urgently and collaborate with the credit reporting agencies and the involved creditors to address the fraudulent collection accounts on my credit report. Furthermore, I seek your assistance in expediting the removal of these unauthorized entries that are negatively impacting my credit profile.
Product: Mortgage

We refinanced a mortgage with Freedom mortgage and set up an escrow account for taxes and insurance. We provided them proof of insurance as a closing stipulation and had the lender mortgagee clause added to our policy. Last year we received a notice that they didnt have record of our hazard insurance and they would be purchasing their own hazard insurance on our behalf. I tried calling multiple times and either the number didnt work or when I left my call back number, I would never receive a call back. Everything felt like a scam so I called Freedom mortgage, not the insurance department number that was on the notice, and they told me that it was likely a scam. Just to be sure, I uploaded a copy of our insurance to the portal for Freedom mortgage. I didnt think anything about it again until I just got another notice. I called the number and this time I was able to get through. They let me know that they charged me {$1700.00} last year for this scam hazard insurance policy and have already billed me again on the XXXX of this month. I just found out that my wife went ahead and paid the premium with our real insurance provider because she didnt know insurance was escrowed. All of this is a scam! Freedom mortgage was provided all of my hazard insurance information when I closed on my mortgage and moreover, I uploaded my policy in my loan portal. I want to file a formal complaint
Product: Bank account or service

ATM card stolen XXXX XXXX. : XXXX. Bank refusing to provide restitution. Bank will receive ongoing filings on here if they continue to avoid rules. I have lost my engagement, nearly lost my apartment 4 months ago, and my vacation I invested funds in I can not recover over this. Beyond angry and will attempt resolution w/ branch in person if necessary. Litigation imminent. Bank has no response to the issue. Bank is saying we know the rules and we do n't like them because they are n't in our favor, so we 'll just go ahead and keep the funds while asking for additional documentation, stalling, lying, passing the issue from department to department and jerking me around because bank security measures failed. Unacceptable.