23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Paid pro collection XXXX dollars to pay off debt and remove from credit report
Product: Mortgage

My husband and myself went into default on our home and it went into foreclosure status. We called our mortgage company and asked what It would take to bring our home loan current and to reinstate it. We wanted everything, the late fees, all of it. They sent me a letter with the exact amount to get us caught up through XXXX of XXXX. We paid it to Selene Finance at the emd of XX/XX/. We had a receipt for that amount. We recently got our mortgage statement in the mail, and tacked on to our regular mortgage payment was an extertainius fee for {$2600.00}. I called them and asked what was going on, because that shouldn't be on there and the person could not get a supervisor to talk to me all she said she could do was give us me a list of the breakdown of the fees. I said there is no way I'm paying these fees since you all already gave me a reinstatement letter, and we paid it.
Product: Credit card

on XX/XX/year>XXXX   in made an online payment for my credit card boll for {$230.00}. USAA put a payment hold on my account without disclosing it to me. i have never been late on a payment or bern over my limit. Further, I have had this credit card fir about five years.On XX/XX/year> i logged into the mobile app and discovered the hold. USAA didnt displsy in the app when the funds would be released either. the information ai foumd online states that USAA will online hold a payment for up to seven days. When I contacted the bank the first rep confirmed it was seven days but stated she could not release the funds. the second agent said that tge hold were fir 10days. I told her the website and the first rep ssis seven. she stated tge frinds wiuld nit be relwaeec until XX/XX/year> which is 13 days. This is the second time in a month that tgey jsvr dobe this without disclosur. This could cause me major financial injury if the XXXXXXXX XXXX the payment and not withdrawing the funds for two weeks. Or withdrawal the funds and forgetting to and the snout to my credit balance. Either way this practice constitutes two UDAAPS ( Unfair snd Abusive ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by Movement Mortgage on XX/XX/18 and I received an email from the agent on XX/XX/18 informing me that I did not meet the required XXXX required to qualify for a mortgage loan. He further went on to advise that the next communication I would receive would be from an agency advising what I needed to do to increase my credit score. I was initially upset about this, because I was opposed to having my credit pulled and I was basically urged by Movement to have it pulled. I have a very clear picture of my financial position, and I informed the agent that I didnt want my credit pulled at that time because I wasnt in a position to buy a home at that time. I was encouraged to call Movement Mortgage in regards to a credit repair program. Nevertheless, there was no follow-up with any further information as promised. I was then asked by a buyer 's agent if I would mind speaking to someone else in another Movement Mortgage Office. I said sure, whoever is going to be able to guide me and get me the help I need. 

I received a call within the next day or two from another agent. I was upfront with this individual just as I was with the prior agent. The new agent ask me several questions basically confirming information I provided on my previously submitted loan application but never did we discuss submitting a loan application or pulling credit, because the other office had already pulled credit on XX/XX/XXXX. I am disputing both credit inquiries and would like them removed immediately, because the services that Movement presented and the end-goal was totally misrepresented as presented to me. 

The second agent asked me several questions during our phone conversation, and any information obtained was for the sole purpose of identifying me so that he could retrieve my credit file in Movements system since he did not work in the same physical office as the prior agents. There was never a discussion, nor did I express an interest in submitting a new application. The main concern that I expressed was trying to determine how the middle score was obtained through the first office in my denial with no explanation, because I knew my credit score should be higher. I simply wanted to know if credit scores for mortgages were determined using a different method than general credit applications, and I clearly explained that to the agent. I authorized the credit pull on XX/XX/XXXX however the XX/XX/XXXX pull was completely and totally unauthorized.
Product: Student loan

This university is collecting tuition and fees while dismissing students at anytime without evidence. Thus keeping the students funds that loans have been taken out for. These loans have been isssued through this institution then redeemed by the institution and forcing forfeiture of ability to benefit. They have done this to someone with a mental/emotional   XXXX or XXXX. The institution does this without hearing. When asked questions during dismissal the representatives said that they would not answer questions. When superior representation was contacted student was directed to an ombudsman. The ombudsman allowed for this students complaints to go unanswered to. Ultimately, this student has been given the run around for a year.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : 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 TransUnion 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX  Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$44.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX  Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported XX/XX/XXXX Reference # 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 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 OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I discovered I did not own the car I financed through Lendmark. I am paying on something I will never own or receive the title too. The paperwork was never filed through the dealership to reflect me as the owner or landmark as the lien holder. The car has a dealer tag on it which is what the dealership gave to me to use after they gave me three 30 day tags in a row. Lendmark has not tried to assist me with canceling the debt or tried to help with getting the title to the car. I can not drive the car because I am not the legal owner per DMV. I z called Lendmark corporate office to file a complaint over two week ago, ticket # XXXX, and no one still gave contacted me. When I called to follow up they said XXXX is the only one that can assist me.
Product: Credit reporting or other personal consumer reports

I know that you have been replying to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXX XXXX  Late Payment {$84000.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$9200.00} XXXXXXXX XXXX XXXXXXXX Charge-off {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX I had an appointment at Utah XXXX XXXX XXXX   XXXX ( XXXX ) in XXXX XXXX XXXX to discuss a repayment program, after 2 1/2 hours the person said she would run the numbers and get back with me but in the mean time be sure to make your {$50.00} payments. I never heard back from XXXX. On XX/XX/XXXX I sent an email to XXXX asking what was happening. I never heard back from them. On XX/XX/XXXX I emailed XXXX stating that my credit report was showing I had an " open '' credit account and that information was incorrect. On XX/XX/XXXX I received the first and only email stating that they reported the account closed as of XX/XX/XXXX and paid in full. XXXX reported the to credit bureau delinquent for XX/XX/XXXX, XX/XX/XXXX which is seriously affecting my credit. I followed through with what they told me to do, I paid {$50.00} every month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they still reported me delinquent. I finally had to refi with XXXX, and that too cost me. I would like my credit report updated and the delinquency taken off. I asked their office 2 weeks ago, they said they would not do that. Thank you for your help.
Product: Checking or savings account

Without my permission BB & T took it upon themselves to allow many charges on my account from a furniture company called XXXX numerous times causing overdraft fees which resulted in a negative balance many, many times! I am very furious i have close my account they took months to refund my funds, but it happened many times after that. 

Please compensate me for the stress that this has caused. 

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

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15usc1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX  xxxxxxxxxx XXXX XXXX  XXXX XXXX has violated my rights. 15u.s.c 1681 section 602 A. states I have the right to privacy. 15usc1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15u.s.c1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes antedates the report by more than seven years. 15u.s.c 1681s-2 ( A ) ( 2 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I went into a Bank of America branch to get pre-approved for a loan so that once I found a new home, the lending process would be quick and easy. The pre-approval was a success. I found a DREAM condo I wanted to purchase for my family and the offer was accepted on XXXX XXXX. After submitting some information to my lender, he decided to go on vacation and pass the file off to an associate. She requested information, which I provided 9 minutes later via email and she confirmed receipt. 4 days later I got an email from my rep on vacation demanding the same information and that I was holding up the process because I was unresponsive. I received my initial loan estimate in the mail and the numbers were WAY off. I wanted to put XXXX % down but they instead ran the numbers with XXXX % down and allocated the other XXXX % towards closing costs despite repeated conversations that I wanted to put XXXX % down such that mortgage insurance would eventually go away. I reached out to the associate and could not get a response. My agent reached out and was given the run-around. Then they failed to order an appraisal in a timely manner. Because no less than 10 days had passed since we were told the appraisal would be ordered, we blew the contingency release deadline angering the sellers. BofA had no answer as to why there was a delay. We had provided all documentation in a very expedient manner and continued to try and understand the hold up. The sellers ultimately submitted a cancellation and re-listed the property much to my dismay. We plead with the seller and they agreed to rescind the cancellation if we would abandon BofA and begin again with a new lender. As mentioned, the offer was accepted on XXXX XXXX. On XXXX XXXX I had to start the process from scratch. The new lender was FANTASTIC and moved quickly and efficient to try and save the transaction. Then, on XXXX XXXX the new lender remarked that I needed to contact BofA and authorize them to transfer the FHA case number over. According to the new lender, standard practices of transferring the case number is XXXX hours. BofA was resistant to transfer the number, told it would cause more delays and likely result in us losing the property. I simply replied that staying with BofA was not an option and to please transfer the number. 5 more days passed without a transfer and our new lender had to go directly to HUD and have them manually transfer the case. Since that day, BofA has been completely removed from the situation and things have moved along efficiently and smoothly. This is the first home I 've ever purchased and due to BofA 's lack of timeliness, inefficiency and lack of communication, we nearly lost the perfect unit. Thankfully a new lender stepped in to save the day. If its all the same, avoid BofA at all costs. Our offer was accepted on XXXX XXXX, and due to BofA 's mistakes and lagging, our closing date will now be on or around XXXX XXXX. Very frustrating.
Product: Mortgage

We applied for refinance and the whole process tool 6 months. 
The problem was not the delay, but how unprofessional the Citibank people were. Why never kept us in loop or give us any updates. 
We lost almost 6 months in the process and lost other good offers from other banks. 



XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  ( 2 days ago ) to XXXX Hi XXXX, It has been 2 weeks since I sent my latest updated documents and 1 weeks since my complaint for escalation. I have not heard back from you. I checked loan status online and it shows no progress since XX/XX/XXXX. With no response and no correct information I feel we are in dark and have no information to make any decision. It has costed me lot of money with high interest rate for 5 months + interest rate for heloc + appraisal money. 

While waiting for your response on escalation for a week and still waiting, I have shopped around and I am getting same interest rate of 2.875 % for XXXX arm from other bank. I do think the product and term provided by Citibank is the best and that is why I chose to go with Citibank at the first place. But if the loan does not close and keep costing me money then there is no point for me to wait. 

At this point, I feel that if you can not give me guaranteed closing date in this month, then I would prefer to cut my losses and go with XXXX arm with other bank. 

I will wait for your reply until Wednesday morning and if I dont hear back from you with guaranteed date then please cancel my application and return the appraisal fees. 

Thanks, XXXX
Product: Vehicle loan or lease

Fifth third bank applied late charges to my auto loan without notice. In XX/XX/XXXX I switched auto insurance providers. I have an automatic pay structure though our bank XXXX and made our scheduled payments without interruption. 
On XX/XX/XXXX I looked at Fifth Third 's portal for payoff information and found late fees on my account and emailed them through their portal asking for an explanation. 
On XX/XX/XXXX, I logged into their portal again and found their response was that they applied a fee for auto insurance when I switched providers and that they had " mailed a notice '' to my home. All our transactions have been electronic and they did have my email and phone number but I did not get any notice. 
When I called about the lack of notice and to validate my current insured status, " you need to pay us or you will be late again. The insurance validation process takes a long time and is another department, so you need to pay us today ''. 
This appears to me that they are trying to drive additional fees much like XXXX XXXX . Though they got monthly payments that did not trigger an attempt to explain a need for insurance validation or any communication with me at all. I think they would have been happy to take my payments forever, applying them to fines that should been applied.
Product: Student loan

I have XXXX acess to my online account since XX/XX/2016. When you call their toll free number XXXX and XXXX it says that they are temporarily closed and they hang up on you. I do n't receive anything in the mail so I have no idea what I owe. I do n't want to send a paper check because at this point I do n't trust this company and they probably wo n't able the payment how I want it and plus how would I even know if I do n't have access to anything. I do n't understand how this is legal. For a credit card or mortgage they have to send you statements and give you access online but it seems like student loans are allowed to do whatever they want without any consequences. If this is not solved I am going to go to the media so they can see how great it is to get a student loan.
Product: Credit card or prepaid card

On XX/XX/2023, I accessed a website that I thought was the XXXX XXXX XXXX website. And proceeded to book a reservation at the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. The website was designed in such a way as to present itself as representing the XXXX XXXX XXXX. I later learned that the website was " XXXX XXXX XXXX XXXX XXXX Texas. '' The website asked for a deposit of {$640.00}. I immediately ( within two minutes ) realized that this website was not the XXXX XXXX XXXX and cancelled the transaction. Neither the " XXXX XXXX '' or Chase Card Services will honor my request for a refund.