23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for an FHA mortgage in XXXX XXXX  At the time of the application, I was not informed that there was a previously completed FHA appraisal on the home that was less than my contract offer. Over the following weeks, there was delay after delay after delay and no one would explain the reason for the delays and requests for irrelevant items. More than a month after the contract, the previous FHA appraisal was disclosed. It was only disclosed because the DHI mortgage team had exhausted all efforts to get a new FHA appraisal and hide the previous one from me. They were forced to negotiate in light of the lower appraisal price. During the process of waiting for a clear to close, our mortgage agent stated that I would not be charged the appraisal fee as the appraisal had been done for a previous buyer. Once DHI was not able to get a new appraisal the rest of the settlement process moved fairly quickly. The day of settlement when I received the XXXX, I noticed the appraisal fee was still listed as being paid by the buyer as well as a general category of " seller credits '' in the amount of {$15000.00}. My realtor and I both requested an explanation of 1 ) Why the appraisal fee was still on the XXXX and 2 ) What items were included in the " seller credits. '' My mortgage agent said she would get back to us by the end of the day with the explanation. She did not. In the 6 weeks since settlement, the accounting of what was included in the " seller credits '' has been requested multiple times and has still not been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was paying on a car form XXXX XXXX XXXX XX/XX/XXXX. The truck constantly needed repairs, and due to the beginning and continual effects of Covid, I had been unable to pay for the truck and it ultimately was re-poed in XXXXXXXX XXXX XXXXXXXX. This company continuously has their parent company XXXX XXXX XXXX ) put a hard inquiry on my credit almost monthly. I did not authorize anyone to run my credit, nor have I applied for a car in over two years. They also are not reporting the status of the account correctly. I was never sent any paperwork after the truck was picked up. I have tried to reach out to the company to correct the status of this car loan on my credit report. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. This company is in clear violation of the law I will attach a copy of the last letter I sent to the company as well as a copy of how this company is reporting to Transunion. XXXX XXXX XXXX also is reporting this account to Transunion as Open and the last activity on the account as of XX/XX/XXXX which is false.
Product: Debt collection

Verification of debt by phone approximately XXXX never received. Dont know company that is collecting debt and asked for cease and desists of communication. 
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to suchdebt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by suchdebt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumeris made by mail, notification shall be complete upon receipt.
Product: Debt collection

I HAD XXXX WHICH IS A MEDICAL CARD FROM THE STATE OF ILLINOIS. THEY STATE SHOULD OF PAID THIS WHOLE BILL. THE HOSPITAL DID NOT CHARGE THE RIGHT INSURANCE AND I HAVE TOLD THEM THAT BEFORE
Product: Credit card or prepaid card

Card was mailed on XX/XX/2022. As of XX/XX/2022, I had not received card. I called and spoke with a rep who advised of a reissue. It is now XX/XX/XXXX, and I have still not received a replacement card. I now have a statement with a {$39.00} fee due, that they will not waive, although I have no active account. Only resolution I am receiving is to be issued another card with a 10-15 day wait. I am being told the reissue can not be expedited. This is absolutely unacceptable and a poor way to begin business with the organization. How am I responsible for paying fees on a card that I have never received nor activated? I feel like I am being scammed
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I opened and established an XXXX XXXX  account with GINNY 'S, placed my initial order, paid down-payment, and completed my payments in XX/XX/XXXX. 

On XX/XX/XXXX I placed another order with my account. For some unknown reason, there was a hard inquiry added to my credit. I contacted the company and alerted them to this issue and was told : ( 1 ) that I don't have an account, which the website clearly says I do. I even provided the account number and type. Was still told that I don't have an account, ( 2 ) that they pull credit on EVERY order which violates how revolving credit works, ( 3 ) that all information was on their website which it isn't.

I spent almost 2hrs on the phone and still received no resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear CFPB, I hope this letter finds you well. I am writing to formally dispute a series of unauthorized credit inquiries that have had a profound and detrimental impact on my life. These inquiries have violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I kindly request your assistance in enforcing the applicable legal provisions to address these violations. 

The specific violations in question are as follows : Unauthorized Inquiry by XXXX | XX/XX/XXXX : FCRA Violation : 15 U.S.C. 1681b ( f ) FDCPA Violation ( if applicable ) : 15 U.S.C. 1692 ( e ) Unauthorized Inquiry by XXXX | XX/XX/XXXX : FCRA Violation : 15 U.S.C. 1681b ( f ) FDCPA Violation ( if applicable ) : 15 U.S.C. 1692 ( e ) These unauthorized inquiries, as outlined above, have caused profound emotional and financial distress in my life. Allow me to share a personal story of how these violations have affected me : Unauthorized Inquiry by XXXX | XX/XX/XXXX : Account Number : N/A Over the past several years, I have diligently worked to maintain a strong credit profile. I have made financial decisions with the utmost care, always striving to secure a stable future for myself and my family. However, the unauthorized inquiry by XXXX on XX/XX/XXXX has shattered my financial peace and compromised my ability to achieve my life goals. 

This inquiry has led to unjustified decreases in my credit scores, making it difficult for me to secure favorable interest rates on loans and credit cards. As a result, I have been burdened with higher interest rates and increased monthly payments, making it challenging to meet my financial obligations and save for my children 's education. 

The emotional toll of this violation can not be overstated. The stress and anxiety caused by the sudden and unexplained appearance of this inquiry on my credit report have taken a significant toll on my mental health. Sleepless nights and constant worry have become a part of my daily life. 

Unauthorized Inquiry by XXXX | XX/XX/XXXX : Account Number : N/A Similarly, the unauthorized inquiry by XXXX on XX/XX/XXXX has had devastating effects on my financial well-being and emotional health. I have witnessed a parallel decline in my creditworthiness, leading to increased financial strain and hardship. 

In light of these violations and the immense hardship they have caused, I kindly request that the CFPB take all necessary measures to enforce the relevant legal provisions. Specifically, I urge you to ensure that the creditor, XXXX, removes these unverified accounts from my credit report promptly. 

I am committed to resolving this matter and restoring my financial stability and peace of mind. Your intervention and expertise are vital in helping me achieve this goal. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

We believe we have been scammed. 
Wanting to lower our payment from {$1700.00} a month to {$1100.00} Amera save mortgage. Took our money for a heafty up front fee {$500.00}. 
Strung us along 5 months now. 
Gave us a low rate, said everything looked good. We were in touch with their closing company. We were going to close by XX/XX/1921. Asked if we should make XXXX payment from current lender in an e-mail. The representative stated we would be good! 
They put us in quiet a situation as now we a payment behind with our current Lender and made it look real bad for a future leander. 
Minor judgement against my home in another person 's name. Was taken care of in a prompt manner. Gone thru numerous people. No return calls or e-mails. Enquired if they were a ligament business yesterday. Today received a decline letter and blocked from ALL types of contact!
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Erroneous Late Payment Reporting XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit reports with XXXX, Equifax, and XXXX concerning XXXX XXXX XXXX XXXXXXXX XXXX Specifically, the reports erroneou

sly list 90-day late payments that do not follow the proper progression of late-payment reporting as per credit reporting standards. Below are the details of the discrepanci
es : XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
Equifax : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
XXXX : XX/XX/XXXX and XX/XX/XXXX, listed as 90 days late. 
At no point do the reports reflect a 30-day or 60-day late payment prior to these listings, which would typically precede a 90-day late designation. This abrupt designation of 90 days late is entirely erroneous and violates the accuracy obligations imposed on furnishers of credit information under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I would like to bring to your attention that XXXX has previously been implicated in data security and reporting failures. In XX/XX/XXXX, a class action lawsuit was filed in the XXXX XXXX XXXX for XXXX XXXXXXXX XXXX XXXX alleging that XXXX systematically violated federal laws designed to protect borrowers ' rights and financial well-being. This history of negligence and improper reporting practices raises serious concerns about the accuracy and reliability of the information they have furnished to the credit bureaus in my case. 

These errors have negatively impacted my credit score and financial standing. It is imperative that : The listed late payments are thoroughly investigated. 
Any erroneous entries are corrected or removed entirely from my credit reports. 
Documentation is provided explaining the results of the investigation and the actions taken to rectify the issue. 
Under the FCRA, credit reporting agencies and furnishers of information, such as XXXX, are required to report accurate information and promptly correct errors. XXXX 's reporting of my account appears to fail these standards. I request immediate action to resolve these inaccuracies and safeguard my consumer rights. 

Should this matter not be resolved promptly and satisfactorily, I reserve the right to pursue further action, including filing a complaint with the Federal Trade Commission ( FTC ) or initiating legal proceedings. 

Thank you for your immediate attention to this matter. Please contact me at your earliest convenience for any additional information needed to expedite this resolution. 

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

I sent 4 notarized dispute letters to Experian and XXXX via certified mail to dispute inaccurate information currently reporting on my credit report. 

XXXX and Experian lost 3 out 4 of the dispute letters after receiving them via certified mail. This was my 2nd attempt to dispute the inaccurate information after both XXXX and Experian failed to investigate and fix inaccurate information currently reporting on my credit. 

I'm attaching the statement I've sent to support my claims
Product: Mortgage

Two issues Lender : SPS Servicing Address : XXXX XXXX XXXXXXXX, XXXX RI XXXX XXXX. Shortage in escrow, unsure how. Payments on time ( absent for covid relief, then forbearance to loan modification ). 
I began to make split payment around XXXX, did so for a few months. I believe that SPS servicing made a mistake and put " extra '' payment towards mortgage and not to escrow. Therefore, giving me less in escrow and a not payment " not due " til XXXX.

Id like for the payment analysis to be reviewed and corrected so my monthly payments do not unnecessarily increase.

I do have XXXX  's payment, just waiting to see this corrected before I send out it out. I DO NOT want any this to reflect negatively on my credit report. I'm not late and it was a mistake on SPS, hoping they can rectify it quickly.

2. I received a notice for mediation on a foreclosure from SPS, WHY? I'm not late and don't understand the problem. When I told the person that over the phone, they told me to simply disregard. Absolutely not, this also needs to be corrected in writing as the other issue. 
Please let me know how best to move for with these matters.
Product: Debt collection

Complaint against Midland Funding 1. On XX/XX/2019 I was officially served a complaint for debt incurred and unpaid by a process server from XXXX/XXXX, XXXX representing Midland Funding LLC. 
2. On XX/XX/2019 I sent in a formal request for debt validation 3. On XXXX I received a letter from XXXX XXXX, XXXX that contained a cover letter addressed to me that stated We acknowledge receipt of your validation request. Enclosed is our response. The enclosed documents did not contain any form of debt validation but another cover letter for another consumer not associated with me at all and an affidavit of fraud. Its clear that my information and hers were mixed up and my debt validation letter and personal private information was sent to the 3rd party without my consent. 

I have no recollection of this debt and my attempt to obtain more information about it only led to personal and private information being leaked. Due to this unfortunate and harmful incident, I did not contact the law firm out of fear of incompetent attention to detail by midland funding and their representation leading to further harm to my reputation. 

Midland Funding and representation has violated both the fair debt collection practice act and Maine State Fair Debt Collection Practices Act Chapter 109-A 11012 # 3 Communication with 3rd parties which  states Without prior consent of the consumer given directly to the debt collector, or the express permission of a court competent jurisdiction, or as reasonably necessary to effectuate a post judgement judicial remedy, a debt collector shall not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorneys, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor or the attorney of the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX  XXXX Balance Owed : {$12000.00} XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

I applied for a Chase Sapphire Reserve Credit card. My credit limit was over {$30000.00}. I also have a Chase Freedom Unlimited card that has a credit limit of {$5500.00}. The Chase Freedom Unlimited card does not have an annual fee The Chase Sapphire Reserve has a {$550.00} annual fee. I transferred most of the XXXX XXXX credit limit to my Chase Freedom Unlimited credit card. I currently have a credit limit of {$2000.00} on the XXXX XXXX. I have called several times to request that the annual fee be waived. They will not waive it. I requested this in accordance with public law 111-24 ( XX/XX/2009 ) 123 STAT. 1742. It states that by law the annual fee has to be waived if the annual fee is greater than 25 % of the authorized credit limit. Are you able to help me with this matter?
Product: Student loan

I had consolidated my student loans and ACS had my loans reporting in an incorrect status causing loans to be left out of the consolidation. Once resolved I had to re-add loans back into my consolidation. During that time ( due to ACS 's error ) my loans were reported delinquent to my credit report. This was never the case. I disputed the late reporting 's and it was denied to be removed. Again this was an error on ACS 's side. They were holding up the processing during this time and should have to correct the XXXX.
Product: Mortgage

I have not been able to get my money back from Bank of America. As you know things has been really tough lately with the economy and BofA has been sitting on money that they owe me since XX/XX/2020. This was the last payment of {$4600.00} made to them on my mortgage, but the payment was received after the refinance of this loan was completed. I have been trying to get them to send the back the money for almost 3 month with nothing other than we are working on it. They do acknowledge they received the money and every time I call them they say we will send you a check, for we will wire it back, but nothing is happening.
Product: Checking or savings account

On XX/XX/XXXX I attempted approximately XXXX times to deposit my initial paycheck via NFCU mobile app. Although the image was indeed clear, I constantly received the error message that the check could not be deposited. I wrote the mobile deposit disclaimer below my signature as instructed. Knowing that Christmas was approaching, I drove a long distance to the nearest NFCU atm to deposit the check. The ATM would not accept the check. I tried again at the next ATM, the same outcome. This experience is unfair as I am aware of several other members who have been able to utilize the ATM and mobile deposit features for amounts way larger. Additionally, the mobile deposit feature has been heavily advertised by the credit union. My check not being accepted is disparate impact and treatment. The payroll check was {$3100.00}. I also dont have any history of scams or depositing bad checks. 

The next day I called in late for work to walk my check in the branch around XXXX. The teller advised my funds would not be available until XX/XX/XXXX, Tuesday, the day after Christmas. She explained the Thursday would not count as a business day although I made the deposit before Thursday nights processing time. 

Friday morning I woke up to an email from NFCU stating my funds would be delayed an additional XXXX business days, as they had confidential information indicating the check may not be paid giving the them reasonable cause to believe the check would be uncollectible. In response, I provided my employers payroll email and phone number and corporate address for verification. I work for XXXXXXXX XXXX an in house lender for one of the largest developers on the XXXX XXXX. My new employers payroll account is with XXXX XXXX XXXXXXXX. I also explained that I am aware of several members who have never been subject to extended delayed times when making deposits. This too, is a UDAAP violation and example of disparate treatment. 

In typical corporate greedy fashion, the banks only response was to send me a list of their deposit policies. 

Screenshots corroborating my response are attached.
Product: Debt collection

Seems that CITIBanks knows that you are backing them and their fake and forged documents! I am getting phone calls from their collection agencies in XXXX and XXXX four to five times a dayXXXX, XXXX, XXXX, and about 20 other number that they are using>>> These people tell me you pay go to jail if dont '' Or we get you VA and SS checks, or we put your family in jail too. PAY NOW!! 
Seems that they have my SS number, my old bank account numbers ; I change banks after I paid off CITI Bank so that they could not hack into my bank account again! CITIBanks Agents know my My CITI BANK, XXXX XXXX, XXXX credit   card Numbers!!!!!! And CITIBank agents in XXXX and XXXX know that I am a XXXX veteran collecting service connected pay from the VA!!! 
All this information was given to CITIBanks contractors in XXXX and XXXX to try to get me to pay them {$20000.00} that the charged my account in volition of CITIbanks agreement with Administrative Proceeding File No. XXXX! 
CITIBanks agents in XXXX and XXXX both stated that CFPB couldnt do any thing to stop them from getting my VA and SS benefits for CITIBank they are out of country!!!!
Product: Debt collection

Received letter from XXXX XXXX XXXX XXXX. Charge off date XX/XX/XXXX total balance {$1000.00}. XXXX File Number XXXX. Letter requesting payment within 35days date of letter XX/XX/XXXX lump sum $ XXXXcurrent Creditor LVNV Funding, Original Creditor XXXX XXXX XXXX, XXXX XXXX attorney for Plaintiff. 
I was served a summons on XX/XX/XXXX stating I'm summoned and required to answere the attached complaint within 21 days with XXXX XXXX District Court State of Utah. 
Plaintiff is stating I owe charge off amount {$1900.00}.
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.

Equifax has violated my nghts.

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 intormation Any other adverse item of intormation. other than records of convictions of crimes which antedates the report by more than seven vears. 
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 consumer didnt consent. 

The following account on my XXXX & TransUnion credit report does not belong to me. 

1. XXXX  account number is XXXX.