23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been paying my mortgage for 14 years and have never been late, until XXXX when I was diagnosed with XXXX XXXX and under went treatment. I explained my situation to my mortgage ( HSBC ) company and requested a loan modification, but was denied. I reapplied for a loan modification in XXXX but was denied again due late payments. XXXX XXXX HSBC sent me a notice regarding an increase in my escroll account and that I could pay the difference of my to prevent an increase in my monthly payment, which I did. In XXXX of XXXX my monthly payments increased. It took six month and several hours on the telephone with HSBC to find my payment and apply the correct account. In XXXX of XXXX I had no choose but to obtain a lawyer for assistance with my home mortgage loan. My lawyer requested a loan modification and was told that I has already modified my loan in XXXX, which was not true. In accordance with the Affordable Home Act I should be able to modify my loan by reducing my 6.5 interest rate to current comparable rate. HSBC had continuous denied my request for load modification without any valid justification.
Product: Mortgage

I have a family friend that I used as a cosigner/coborrower. 
Movement Mortgage still put us as married despite me telling them numerous times AND sending in signed documentation/letter saying we were not married. 
Now my deed/title to the house says we are married -- which btw I never received a copy of -- I only found this out because I 'm in the middle of a refinance!!! 
Movement Mortgage got bought out XXXX. This is just a huge mess!!!!!!
Product: Mortgage

XXXX XXXX and XXXX XXXX has contracted with XXXX XXXX XXXX XXXX XXXX Service my VA home loan. The problem has I contacted XXXX XXXX XXXXXXXX and requested to have my mortgage escrow removed since this is a new loan I have neither been late on his mortgage and the annual taxes and homeowners insurance are current. As a VA borrower, I have the right in the state of XXXX to have my mortgage escrow removed and it should be honored. This company has also not refunded my escrow funds that were collected from my previous mortgage company XXXX Mortgage which violates the Mortgage Servicing Clause in Release tractions amendments of the state of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used for a mortgage and I want it removed from my report on XXXX XXXX XXXX  Account number # XXXX
Product: Debt collection

Remove the fraudulent accounts from my credit report now! Other bureaus fixed it, and the creditors agreed, but yours is causing damage to my credit. Investigate and fix it immediately, or I'll take legal action. Give me written confirmation once it's done no delays! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove.
Product: Bank account or service

On XXXX XXXX, 2016 i made a deposit of XXXX to my checking account. My posted balance was XXXX. As i continued from XXXX XXXX using my checking account my balance as of XXXX XXXX, 2016 was XXXX. On XXXX XXXX sometime around XXXX to XXXX i went to my local gas station to withdraw XXXX. I knew when i withdrew this money my checking account would be in the negative and i would be responsible for the overdraft fee, which would put my account around XXXX overdraft fee included. XXXX XXXX i looked at my account to see if the overdraft fee had been posted, my account was negative over XXXX. I was charged XXXX in over draft fees on transactions i was shown had already cleared ( earlier in the week ) I was charged another XXXX for transactions which were made prior to the XXXX atm withdraw and were shown to be cleared. On my bank statement it shows these transactions being withdrawn on XXXX XXXX and the atm on XXXX XXXX. I do not feel I am responsible for the overdraft fees ( especially when my account shows they were withdrawn ) when the purchases made prior to the atm withdraw were clearly covered do to the deposit on XXXX XXXX and these transactions were made prior to XXXX XXXX. I was also informed that BB & T does not do any transaction Thursday through Sunday which is false for i have proof of several transactions being deducted on Thursdays and Fridays. Ive tried contacting BB & T by walk in and by phone and no one will help me understand why i should be responsible for these fees. I am on a limited income and a single mother of XXXX children. This has financially drained me this month for i am unable to pay my bills due to these charges.
Product: Mortgage

Wish to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for alledge [ Mortgage fraud, and Identity theft ] Please refer to File XXXX, XXXX, XXXX The bank knowingly filed a Document number XXXX based on a Fraud Mortgage that was submitted to CFPB by SPS. 
I XXXX 's supposedly signature on the Mortgage is ( Fraud ) and this Fraud was reported to SPS who services this mortgage on XX/XX/XXXX among other Notarized Fraud signatures of XXXX discovered on the loan process. 
Debt Collector XXXX XXXX XXXX XXXX who repeatedly filed Foreclosure lawsuits on behalf of Plaintiff XXXX XXXX XXXX XXXX was also Notified of the Fraud Signature on the Mortgage back on XX/XX/XXXX and they still filed foreclosure lawsuits and repeatedly ask the court for six months extension to prepare their ( Pretrial statement ) year after years. I don't understand why they threaten me like this and how long more years does this bank ask for more extentions if they believe the mortgage is Valid. 
I notified them of the Frauds and those are the same Frauds I intent to use in Court, based on their recorded XXXX XXXX which is also Fraud. 

Please see attachments on File number XXXX of attachments to support this complaint.My mortgage was recorded as Document number XXXX, so therefore if any other mortgage was recorded based on the Mortgage submitted to CFPB by XXXXelective Portfolio Services Inc. it is a Fraud and an attempt to defraud an innocent consumer.
Product: Vehicle loan or lease

Walked into XXXX XXXX dealership with preapproved rate for vehicle Loan officer intentionally hid fees, marked up price of vehicle and charged loan for more than vehicle cost. Also increased rate of loan Declined to provide information. 
Forced signing for terms. 
XXXX  when tried to communicate several times! 
Has not reimbursed fees as promised ( XXXX fees to and from dealership ) Dealership bullied process and did not want to answer questions during process. 
Tried to contact Chase Auto Financing several times and they confirmed XXXX  credit apps were open at the same time under my name but then they changed the apr rate without telling me info. 

Called multiple times and never received a response even after requesting supervisor several times
Product: Credit reporting or other personal consumer reports

I'm reaching out about an account on my credit report that was a repossession and charged off on XXXX. I've noticed that this account is still being updated every month as " charged off '' but with an active payment history, which doesn't make sense. A charged-off account shouldn't have any payments showing up.

It looks like this hasn't been correctly fixed, and it's really hurting my credit report. I've tried contacting the creditor. The account type is also incorrect being listed as installment as well as a switch between open/closed/charge with every bureau.

Could you please remove this account from my credit report as soon as possible? I'd really appreciate your help with this. 

Account : XXXX XXXX
Product: Credit reporting

I pulled up my credit file on Transunion on XXXX XXXX and all of my inquires was deleted.. When I looked at my credit report on XXXX XXXX, 2016 all of my inquires was back on my credit report without my knowledge. When I called Transunion on XXXX XXXX, 2016 they told me that I was not affected by the glitch. I explained to XXXX XXXX that I was affected by the glitch and I have my credit report showing that I had XXXX inquires on my report and they showed back up. I asked to speak with a supervisor he put me on hold several time then came back upset and told me that he could not help me and that he was going to terminate the call. I then told him " My next complaint will be with FTC for FCRA violation for inaccurate reporting on credit history '' he told me to do what I needed to do then hung-up the phone on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

all are being reported on XXXX, transunion and XXXX. They did not have my permission to run my credit and i have been fighting to show proof in writing and no one has provided me this informatiom. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX IXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX & XXXX Inquiry from XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis and XXXX continues to report incorrect information I have stated several times my name is XXXX XXXX remove any other name or names listed this is my final attempt to resolve this matter. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX please remove any other address. You are a consumer agency by definition of law so you are required to provide evidence of the information you are reporting. Provide the evidence are just delete the information.
Product: Credit reporting or other personal consumer reports

I have been unable to get my consumer report from Transunion. Online it says I have an open dispute but when I request for a copy to be sent to my address, I have yet to receive it. This request was put in more than 30 days ago, XX/XX/2023. TransUnion has been given ample time to get a copy of my consumer report to me. 

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer report. Yet TransUnion is reporting information of transactions between the consumer. The reporting of excluded information pursuant to 15 USC 168a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before replying that this account has been validated, lets be very clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/charge-offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtness by the Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my ideniity was stolen around XXXX near the end or early XXXX and I did Identity I filled theft and fraud with the XXXX XXXX and some other places and I had a lot of accounts that were hacked. They were emails, XXXX accounts, XXXX, XXXX accounts, my school accounts, XXXX account, and they even made accounts in my name.m and they are in my phone still and still do all of this. They put credit cards on my credit and it was right many a couple of loans and a hospital bill cause I know I didnt go to the hospital in XXXX or my son! I have managed to get a few off my credit but some want budge. I dispute them rt often cause they arent mine and I want my credit to go back up XXXX is coming and I need to get presents and cant with out my credit. I am in school and dont make a lot of money. Experian was good at first now they are horrible in my opinion. Some of the employees made a lot of comments on my credit report, so many that I cant make any comments to my defense on the certain credit card or loan that they are commenting on. And today they made a big write up on the front of my credit report and it looks horrible to someone that looks at my credit report. That doesnt know me that maybe hiring me for a job when I graduate. I am going to school for XXXX XXXX and XXXX. That does not look good besides that, theres a privacy issue there, I would like it to be removed along with all of the comments. I have a fraud alert on my reports all three and I will not freeze my reports because I am still getting student loans and I will admit my credit has never been the best, but its never been like this because of all, the credit cards they put on my credit but XXXX trying to get them off. I think that that this has been enough with just the identity thrift but to deal with people thats supposed to help up and it seems all they want to do is bash you is awful. I hope that you go look at my reports! Thank you for listening to me have a good day XXXX XXXX XX/XX/XXXX
Product: Credit card

Re : : Application ID # : XXXX-XXXX Hello, I am writing because I recently applied for the Citi XXXX Platinum card and was approved for XXXX miles. 
I then receive another invitation via US Mail, that invites me to apply and says that I can have XXXX miles. Using XXXX # : XXXX. That is a vast difference of XXXX miles that I feel I am rightly deserving of. 
I would like to know if CitiBank will make it right, or who else must I write a complaint letter to to get this error in judgement corrected? 

Thank you.
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to rectify this matter, the fraudulent entries persist, and I am growing increasingly frustrated by the lack of progress. It is disheartening to see that these fraudulent items continue to tarnish my credit report, despite my persistent efforts to have them removed. As a result, my financial credibility is being unfairly impacted, and I am experiencing significant stress and anxiety. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the fraudulent items on my credit report and immediate action to have them removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX, XXXX, XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$510.00} ; XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX Balance XXXX {$710.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Owed : {$120.00} ; XXXX XXXX Balance Owed : {$520.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX.
Product: Debt collection

I received a collections notification via mail and email from LVNV Funding and I would like verification of the original payment history, the signed contract for the debt from the original creditor, as well as the date and documentation of the first delinquency. I haven't received any proper information to verify the accuracy of this account. If they can't provide the requested information, I am requesting that this be removed.
Product: Vehicle loan or lease

Good Morning, I have been dealing with Exeter Finance Corp in trying to pay off my XXXX XXXX XXXX ( a minivan ). I called Friday, XX/XX/XXXX to get a payoff quote. I was quoted {$4100.00} and some change. I asked if that included all fees and that was all I owed. I was told yes and that the payoff was good through XX/XX/XXXX. 

I called back today XX/XX/XXXX to make the payment and was told I owed almost {$4400.00}. When I asked how was that possible they told me extra fees had been added. They said they had been added after I called. Why were they suddenly added after I called for a payoff? And when I asked if that included all fees in the first call she said yes. 

This company has been featured on XXXX XXXX XXXX with XXXX XXXX as having predatory lending and underhanded business practices. Several Class Action lawsuits have been filed against them already.
Product: Debt collection

I was XXXX in the military when I went to the hospital in XXXX XXXX. The hospital failed to submit the bill to XXXX ( my insurance at the time ) in a timely manner. I contacted the hospital and XXXX to resolve the debt. From my understanding it was paid. I was then contacted by a debt collector ( XXXX XXXX ) in XX/XX/XXXX after they reported it on my credit report. The debt was resolved and removed from my credit report. Almost four years later, just recently in XX/XX/XXXX I was notified that the debt was bought from XXXX by Avante and the debt was still valid. I disputed it and asked for verification and they reported it on my credit report and reaged the debt to XXXX/XXXX/XXXX. I contacted the hospital and they said there is a zero balance on my account and it is too old to offer any additional information. I contacted XXXX as well and they too said that the debt is more than five years old and they also do not have a record.
Product: Credit reporting or other personal consumer reports

This reflect complaint about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, their debt collection agency handling account ending in XXXX. I am extremely concerned about how both companies have handled my account and their failure to comply with both federal and state laws. Below are the issues experienced : XXXX. Failure to Provide Debt Valuation On XX/XX/year>, I sent a letter to XXXX, XXXX XXXX XXXX requesting a full breakdown and valuation of the debt. As of XX/XX/XXXX, no response or the requested documentation have been received This violates the requirement for creditors to provide accurate account details when asked. 
XXXX. Multiple Disputes to Credit Bureaus Ive submitted several disputes to the credit bureaus, asking for a breakdown of the account balances. Despite this, neither XXXX nor XXXX has provided any clarification, nor have they taken action to correct the errors. Their failure to verify the debt is unacceptable. 
XXXX. Violation of Consumer Protection Laws The actions of XXXX, XXXX XXXX XXXX and XXXX have been unfair, deceptive, and abusive, violating both the Fair Debt Collection Practices Act ( FDCPA ) and Floridas Consumer Collection Practices Act ( FCCPA ). Theyve failed to verify the debt, misrepresented amounts due, and havent provided adequate information to support their claims. 
XXXX. Misleading Account Information The amounts listed on my credit report dont match the figures provided by XXXX XXXX which is damaging my credit score. Ive received no explanation for these discrepancies. 
XXXX. Violation of Privacy I have not agreed to any contract with a third-party collection agency, nor have I authorized XXXX, XXXX & XXXX to act on my behalf. Their involvement in this matter is a clear violation of my privacy rights, and I did not consent to this third-party collection effort. This unauthorized handling of my account is an infringement on my personal and financial privacy.
Product: Credit reporting or other personal consumer reports

Under, 15 U.S Code 1681 ( 5 ) ( B ) ( ii ) ( ili ) ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material i ) Certification of accuracy of information if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency. 
( ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means avattable to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion- ( l ) a statement that the disputed information has been reinserted ; ( I ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( Ill ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I was not notified of the reinsertion of these previously deleted items within a 5 business day time frame, nor was any of the additional information outlined above provided to me. As a consumer by law, I demand that you delete these reinserted items from my credit report.