23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was assumed from XXXX XXXX XXXX by NewRez in December of 2022. I was on bi-weekly and had never missed a payment and was building great equity. NewRez states they we're unable to transfer my payment from XXXX XXXX XXXX. I lost autopay and fell behind, all while they made it my fault. They've also made the process to install bi-weekly payments incredibly difficult - my loan that I had agreed to was on a very easy, very simple to setup biweekly payment program. NewRez has been nothing but predatory and difficult to work with in the sole purpose of lining their pockets and making it difficult for consumers to save money on their loan - as I had been! To date - I am still not on bi-weekly or even a smooth auto-pay experience and I've had nothing but issues with on-time payments, hurting my credit score & reducing the equity in my home. 

I had a near perfect payment history prior to this!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I signed a contract or agreement with XXXX XXXX to settle credit card debt I had on three credit cards. I paid them {$18000.00} in monthly installments of {$820.00} over 20 or 22 months to resolve my debt. They took my money and did nothing to settle my debt. On XX/XX/XXXX, I received a summons/ law suit from XXXX XXXX XXXX and agreed to a settlement amount of {$6000.00}. XXXX XXXX  sent me a check for {$3800.00} to assist in this agreement. Now, I still have 2 other credit card accounts with outstanding balances they agreed to fix that are being reported negatively on my credit report making it difficult to make a big purchase at a reasonable interest rate.
Product: Credit card or prepaid card

My wife and I have been in a COVID-19 hardship since XX/XX/2020. It has now been over 7 months with me losing my full-time job making {$90000.00} per year and now being on unemployment of {$440.00} per week. Citi has only provided 2 months of payment deferrals during this entire period and are calling us non stop every single day trying to collect a debt on a closed credit card that we have no ability to repay right now. This is the only financial institution that we are working with that refuses to help their customers in any way. We have done everything we can to make ends meet and make the minimum payment on this card for the last 5 months and are completely out of savings or any way to pay this card back, but they don't care. 

In the last 10 years, my wife and I have NEVER missed a payment on anything until now. 

I have requested additional COVID-19 assistance multiple times and have been sternly told no and that if the payment is not made they will seek collection services and possibly legal action. 

America is in desperate need of help during this terrible pandemic and the one credit card we have is being extremely predatory.
Product: Checking or savings account

Between the last XXXX years XXXX have been charged fees when using XXXX and/or XXXX when using money per XXXX accounts.
Product: Bank account or service

Yes my father stole my mail and cashed XXXX or XXXX checks through his bank account with bank of america, name on the account is XXXX XXXX XXXX, fraudulently signed and endorsed my checks though his bank account, bank of america cashed the checks
Product: Debt collection

None of the above seem to fit took the best one. I was in the Hospital in XXXX, XXXX, XXXX My Medicare advantage plan has now started charging a per diem charge for hospital stays day 1 - 6. Got a call from XXXX, told them to send me a bill, got my first bill in XXXX. XXXX had denied the orig. claim. total was {$800.00} I paid {$200.00}. XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX, Honor health sent me to collections the same day because I refused to make formal payment arrangements. The collection agency will not take payments said I had to talk to the Hosp. the Hosp will not take payments because they turned it over to collections. I only had 2 payments left and no one can decide where I should send them. The collection agency and Hosp want the full amount. I was told that XXXX XXXX REQUIRES a patient to set up payment arrangements. Can they demand full payment? I figured I 'd have this paid off in less than 6 months actually it would be 4 months so a payment arrangement contract did n't seem necessary. But now no one wants the MONEY. The per diem charge was new in XXXX usually we had a co-pay it came as a great surprise that now we have a per diem. They have me delinquent because the charge was for XXXX/XXXX/XXXX even though I did n't get a bill until XXXX XXXX. Is it true that even if you make your payments you can still be sent to collections? it seems a bit odd that a creditor would rather take 50 % than the entire balance. If they are willing to take 50 % I could do that.. Do n't know what to do now, I had planned to send the Hosp, XXXX on the XXXX of XXXX, but I am being told that the Hosp and Collection agency can not accept the payment. It used to be that if a payment was refused by the creditor the creditor risked having the debt cancelled, has that changed? XXXX citizens have enough problems we do n't need any more.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance {$10000.00} XXXXXXXX XXXX XXXX XXXX  Balance {$10000.00}
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX i had a breach of security on my computer causing a theft of my drivers license as well as my social security. In addition to the the computer breach of security and also lost my drivers license and social security card. My Personal identifying information had been stolen online and physically and the id theft thieves had subsequently opened credit card accounts fraudulently, The following banks that had issued fraud credit card accounts as well XXXX, XXXX and transunion have been reporting the fraudulent accounts on my credit reports causing an extreme hardship. I am a military veteran for over XXXX year and dont deserve this kind of treatment. The following banks and accounts are as follows : XXXX XXXX date opened XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date OPened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened XXXX account Number XXXX XXXX XXXX Account Number XXXX Opened XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date oepned XXXX XXXX  XXXX XXXX XXXX XXXX date oepened XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I must say i am a die hard american XXXX veteran and i am beside myself that these criminals and the credit issuers allowed this. I amk protecting them and what do they do, Rob me.
Product: Mortgage

I applied for a refinance on my condo with my current lender, Bank of America, in XX/XX/2016. 20 year fixed rate on an investment property condo, 3.75 % fixed rate. During the underwriting process, it was discovered ( by BofA no later than XX/XX/XXXX ) that there was an insurance coverage issue with my building. They did not notify me of this problem until AFTER the appraisal had been completed ( XX/XX/XXXX ) and I called them ( XX/XX/XXXX ) and it was too late to cancel/reschedule in order to avoid a {$690.00} appraisal charge. At no time was I notified of any other issues/problems with the underwriting of the loan by anyone affiliated with Bank of America. It was n't until I called the loan officer on XX/XX/XXXX to inquire about the status that I was then notified about the problem. On/around XX/XX/XXXX I received a notice that they denied the loan due to this not being resolved. I was able to facilitate/coordinate between the lender, HOA, and building insurance to resolve the coverage issue on XX/XX/XXXX, despite there being 3 national holidays and during the XXXX and XXXX season. Had I been notified earlier, this could 've been resolved and my loan would 've closed. I have lost over {$690.00} in appraisal fees and the rates for a comparable loan are at approx. 4.50 % or higher now. This will ultimately cost me thousands of dollars in interest over the 20 year term. I have tried my best to work with BofA before filing this complaint and they have been non-responsive since XX/XX/XXXX. I have called multiple times and emailed without any response whatsoever. They claim I lost rate locks, but I was never notified of this or any other delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following Account has violated my rights : XXXXXXXX XXXX XXXX, Account # XXXX, Amount {$1200.00}, Opened XX/XX/2017 15 U.S.C. 1681 Section 602 A States that 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 an account without my written instructions.
Product: Credit reporting

Requesting for assistance again with Equifax Credit Bureau. The same situation keeps happening when I try to request for my free Annual Credit Report with Equifax. The verification questions that are being asked does not pertain to me at all and Equifax is allowing Creditors to place inaccurate information on my credit file ... which is preventing me from disputing. I never have these issues with the other XXXX Credit Bureau ... XXXX or XXXX. Only Equifax. Would you please assist me in obtaining my credit report from Equifax. There is no current credit freeze on my credit report. I needs to dispute inaccurate information that is being filed by companies that I do not owe and are currently sending my information to collection companies for no apparent reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

After discovering this debt with XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX  score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX too old to report NYS law pad charge off must be removed after 4 years its been 6 its to old to report XXXX and XXXX has already deledted this last year
Product: Student loan

The school is a XXXX they just want to make money, they don't care about the students, and most importantly about the patients. They promise to educate the next generation of XXXX  however they are not. How can you promise XXXX XXXX XXXX XXXXXXXX, job opportunities when actually is less than XXXX XXXX I am sure if one actually dose research the number is even lower. they have mislead me and i am paying for it.
Product: Credit card or prepaid card

Comenity bank for Victoria 's secret enrolled me in paperless billing without me checking a box. I paid a balance online and they must have enrolled me in paperless billing even though I never checked a box to be enrolled in paperless billing. I would never do that, I hate paperless billing because I receive so much spam, I could miss a bill.The next month, I went to Victoria 's Secret and made a purchase. Two months later I get a call from Comenity that I am late. I never saw a bill, it could have gone in my junk box or they never sent it, who knows? They assessed {$28.00} ( first month ) + {$39.00} ( second month ) in late fees and {$2.00} in late charges. The lady on the phone lied and said that she would waive the late fees but not the finance charges which she said was only {$1.00}. So I paid the balance immediately over the phone and requested to be removed from paperless billing, I did not have access to my online account at the time. When I got home, I realized that not only did she not waive any of the late fees but she also kept me enrolled in paperless billing. I then un-enrolled myself from paperless billing and closed my account over the phone. I have received no confirmation that my account is closed. Its still showing that I owe {$39.00}, the second late fee.
Product: Debt collection

BMW salesman used disceptive tactics to get me to sign a contract on a new vehicle with a balloon payment at the end of the XXXX year term. This amount equal an additional XXXX XXXX  more of the purchase amount. This turned this vehicle from being a XXXX car loan to a XXXX car loan. 

We filed a complaint with bmw about this issue and received no response but, a letter from them requesting to pay that amount. 

I asked for this account to be validated by BMW and by XXXX. This process was never done. 

In fact, what this company did was shocking. Instead of responding to me, they came and pick up my vehicle that was paid off in its XXXX year term. 

BMW decision was to take my car that I paid XXXX off.
Product: Debt collection

Enhanced revovery has a claim against me on my credit report. I have only the following information : XXXX # XXXX XXXX XXXX. They are unresponsive.
Product: Credit reporting

I have credit card from XXXX XXXX that was issued by XXXX XXXX bank. In XXXX XXXX, i got a call from XXXX XXXX that i was late on payment. I told them, i have n't received account statement via email for which i subscribed. I provided the document evidence and paid of the balance in full. XXXX XXXX account was reported as late payment on XXXX credit bureaus. I called XXXX XXXX and they promised to send the " Pays as agreed '' status to the XXXX credit bureaus. The status of XXXX XXXX account was updated to " Pays as Agreed '' on XXXX XXXX XXXX on all XXXX credit bureaus. XXXX and XXXX has removed XXXX XXXX from negative accounts. My credit score is being reported correctly. However, Equifax did n't remove XXXX XXXX account from negative accounts even though the status was updated to " Pays as Agreed ''. I filed a dispute with Equifax on XXXX/XXXX/XXXX to remove XXXX XXXX from negative accounts category. The online status shows as pending on the dispute as of XXXX/XXXX/XXXX. I called the Equifax consumer support. They were saying they ca n't remove the account from negative accounts. It is frustrating why Equifax is denying to remove the account from negative account list even when XXXX XXXX reported the corrected status of " Pays as Agreed '' on XXXX/XXXX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/. I sent {$2700.00} through Paysend, to a family member for a birthday party, XX/XX/XXXX, I put the wrong date for birth date by I number. I asked for an update on my changes. No one stated it was done. On that same date I advised to cancel this transaction. They stated they are working on it. I was told my complaint would take 15 days to get it resolved. 
We are now at XX/XX/XXXX and I still have not gotten my money back. 
I was told numerous times that they have to figure out how to refund my money. I was told by sending messages and complaints everyday and about XXXX a day does nothing to make it happen. 
I can't wait anymore. It should not take this long to get back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Finance constantly running HARD INQUIRIES on purpose. I have an exiting account with them and the representative calls every day for payment.
Product: Debt collection

XXXX Johnathan Neil & Associates, IncXXXX sent a claim to my step son in the form of a letter that states he owes {$3900.00} in regards to a car accident last year. This firm stated that they would send/obtain a copy of judgement against our son. Our son is a minor. In addition they threatened to file suit against him. 
XXXX My husband and I on behalf of our minor son wrote back to Johnathan Neil & Associates that neither he or us owes this debt. I stated we would report this company to the FTC as well as the California State Attorney General if communication does not cease to exist. 
XXXX Our son received another letter from Johnathan Neil & Associates Inc. stating our dispute is invalid. In addition, there is a copy of a letter this firm wrote to the Washington State DMV asking administrative action to be taken against the " uninsured party '' .Also included in their accident report is clearly the name of the legal registered owner which is not our son. 
XXXX Our son wrote to Johnathan Neil & Associates stating he is not responsible for the debt.
Product: Payday loan, title loan, or personal loan

Took out a loan Archarge Credit Card XXXX XX/XX/XXXX in the amount of {$6700.00}. To avoid any interest payment, the loan was to be paid back by XX/XX/XXXX. I made monthly payments and the last payment I made from my home equity account did not go through. I was not notified until after the date and I was charged all the back interest at 27.99 %. I paid the entire amount in XXXX to not incur any additional interest charges I spoke with the company and they said I had no recourse. I tried to call the company today get the amount of interest I was charged- the recording said my account was closed and it hung up. 

Understanding there has been some time, but we had medical issues and XXXX has been a distraction. Please let me know if you can help me. 

thank you, XXXX XXXX NOTE : I recently moved from XXXX XXXX XXXX XXXX, XXXX, NJ. My new address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX
Product: Debt collection

I have contacted the debt collector many times requesting a bill or explanation of the debt in which they are stating that I owe. The just continue to tell me that they are not able to provide this to me. I last spoke to XXXX at collection consultants and she stated they could not provide me anything besides telling me that I owe money to XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account Name : XXXX XXXX Account Number : XXXX Inquiries 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 XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/2019I discovered a credit card with XXXX XXXX XXXX, XXXX. was on my credit report. I called XXXX XXXX XXXX, XXXX. and discovered this card was opened by a family member using my social and credit to open this card. The family member was an authorized user and was in possession of both cards as there address was used for the account. I never authorized for my Name / social / credit be used to open this account. I reported this to XXXX XXXX XXXX, XXXX. and the account was to be closed and at no fault to me. Now I have LVNV Funding LLC reporting debt of XXXX for such account on my credit report as a collection. I have submitted disputes over this debt reporting the account not belonging to me and have not received any proof of ownership of this debt, not one signed contract, nothing. Now I am receiving a letter in the mail from Resurgent Capital Services L.P. trying to collect this debt that does not belong to me telling me they will get a judgement against me and mail it to me? I did not open this account and handled this with XXXX XXXX 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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bankruptcy, # XXXX ( XX/XX/XXXX ) and ( XX/XX/XXXX ). 

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

15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 or any other adverse item of information other than records of convictions of crimes that antedate 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.