23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sent a large principle payment around XXXX/XXXX/16. Nationstar returned the payment because they did not know what to do with it. I then called and spoke with a lady and she said it would be easier for them to debit my account for XXXX separate amounts to make the total amount. They ended up applying some of my principle payment to my monthly payments. I was making this large payment because we were selling the house and closing XXXX XXXX. when i realized my payoff was not correct i called to find out what the problem was. THey has applied XXXX extra payments so i was paid up through XXXX. They said they would reverse the payments and send a new payoff. and this would take 24-48 hours. After waiting 3 days the law firm had not received the payoff. SO i called again. I would also like to mention that it takes an act of congress to actually get someone on the phone when calling nationstar and my calls were being forwarded to the same person ( XXXX XXXX ) who has still not returned my calls as it is now XXXX XXXX. Once i called and got a person on the phone they informed me that only XXXX of my payments had been reverse and this would again take 24 hours to process. I asked if there was anyway I could have his direct number to contact him the next day to verify that it had been taken care of. He assured me that he would personally check on my account and call me by XXXX the following day. At XXXX the following day i had not received any calls from Nationstar nor had the law office received a correct payoff. I made multiple calls that day to try to get someone on the phone and was never able to get anyone or a call back. i then sent a message through the website to ask for a person to contact me. I received an email that someone would call me within 3 days. I still have not received that phone call. To make a long story short because of the mistake by nationstar i had to pay more at closing that was need and never received a correct payoff. I think that this service is unacceptable and caused a lot of financial hardship for my family during this time. At this time I would highly recommend that no one establish a relationship with this business. And i have yet to be reimbursed from Nationstar.
Product: Mortgage

Sofi 's financial practice is deceiving and impossible to complete. We started the home refinance loan process XX/XX/2022. After locking the rates and submitting all the paperwork for our rental properties and my tax information, I didn't hear anything regarding the application process until Mid XXXX. Mid XXXX, we were notified to perform a home appraisal for our home to assess the value. We paid and the home was finally appraised on XX/XX/2022. Since then, the application has been in " underwriting process '' with the occasional documentation requirements that we would submit the same day. It's been 3 months since the appraisal and 5 months since the start of our home refinance process and yet we still don't know when the loan will be finalized. I tried to call and email various people in charge of my home loan including the financial officer and the processor, but I would infrequently get a response from my voicemails or emails. I am really hoping to just finalize this refinance process after 5 long months of not knowing what's going on.
Product: Payday loan, title loan, or personal loan

When applying for the loan, on XX/XX/2023, I was told the funds would be deposited into my bank account on the following business day. I asked it that would be XX/XX/2023 and I was told yes, the funds would be in my bank account by the end of the day on Friday, XX/XX/2023. 

On Friday, XX/XX/2023, at XXXX, I called Lendumo and the automated recording said that the funds had already been deposited to my bank account. I checked my account and the funds were not there. I then spoke with a live representative and was told the funds would be deposited by Monday, XX/XX/2023. I told them thats not what I was told when I submitted my request for the loan and I would like to cancel my loan because waiting until XX/XX/2023 would not help me. They told me I have to wait until the money is deposited into my account before I can cancel the loan. I told them I would report them to the CFPB. 

They say that they record all calls, for quality assurance, so they can share the recorded conversations with you.
Product: Debt collection

I have contacted the state of Nevada on this matter and they have informed along with a response from the company letter. however they have also informed that LVNV Funding is not license in the state of Nevada as a collection agency but this company is reporting on my credit report as if they are the collection agency I'm enclosing a copy of my credit to show proof only for the CFPB please do not sure my credit report to anyone. i would like to get this matter handle as soon as possible thank you.
Product: Debt collection

GreenSky, a payment collections company, are trying to swindle $ XXXX out of me by means of XXXX XXXX XXXX XXXX XXXX a company I only received 4 laser hair treatments from, that I signed up for during their half off sale. I should have only paid {$200.00} all together, but GreenSky continues to harass me with bills. In total, they would be taking {$3500.00} from me for 4 half off laser hair treatments. I filed a dispute with GreenSky the first week of XXXX yet no one has got back to me. I also complained to the Director of XXXX XXXX and she told me she had nothing to do with GreenSky. I have complained to both XXXX and GreenSky that I became XXXX and was no longer able to come to treatments, and also, that they did not work. I have been battling both these companies for almost a year and a half. I paid what I owed, which was {$200.00} but they kept charging me {$75.00} per month so I have altogether paid GreenSky {$1000.00} and they are trying to collect {$1900.00}. I live off a XXXX check but all they want is money. Both XXXX and GreenSky are thieves. Even the director of   XXXX " didn't understand '' why my balance was so outrageous but told me she is hands off when it comes to GreenSky, the company that takes XXXX 's payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One reported that I was late on my Credit Card payment in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. This war correct. I called to let them know that I had gotten the XXXX XXXX virus. During my illness. I had no means of handling my financial obligations. I finally was able to make payments and currently I'm up to date. I was under the impression that late charges were not to be applyied during this pandemic. I send letters and made phone calls to Capital One with negative results. I would like to have these 3 late payments removed from my credit report. This has caused a impact to my credit report. I am a XXXX XXXX XXXX XXXX veteran who has been trying to improve his credit by doing the right thing. Which is to make amends with passed creditors. Please let me know of any results
Product: Credit card

I requested information last XX/XX/2023 and I have yet to receive anything. 

Please have this company upload the following documentation. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. XXXX. allocation of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and the CORRECT Address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card or prepaid card

I filed an dispute with Cabelas XX-XX-2017. 
Advised, Cabelas to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised Cabelas that they are allotted 30 days to provide disputed results to me. Never received correspondence from Cabelas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing information on my credit reports with XXXX, TransUnion and XXXX i have sent in an FTC report, police report and a letter. I have contacted all creditors in this matter and these fraudently items need to be deleted asap because i was disputing these fraudently items on my credit reports for a year now. 

XXXX XXXX date open XX/XX/XXXX {$850.00} sent police report and ftc report and contacted creditor. 

XXXX XXXX date open XX/XX/XXXX {$700.00} XXXX XXXX date open XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$30000.00} XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXXXXXX open XX/XX/XXXX {$1300.00} sent in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXXXXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for {$640.00} sent in police report and ftc report to credit bureau and contacted creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items 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 alleged fraud or extortion. 
Please deleted the following items : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX Balance : {$840.00}, XXXX XXXX  XX/XX/XXXX, XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported to XXXX that i have a balance of XXXX with XXXX XXXX XXXX XXXX. I settled This account over 2 months ago. I received a letter from the creditor stating that the account is paid. I have since disputed the item with XXXX. XXXX  says that the Creditor has told them that i still owe the debt as of XX/XX/18. XXXX at XXXX  said that Sentry  said i still owe, XXXX XXXX from Sentry on behalf of XXXX XXXX XXXX says that Sentry can not help me and will not fix this credit reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested each of the credit reporting agencies multiple times over the past year requesting a freeze on my credit reports. With each request, I have included name, social security number, and address verification. None of the CRA 's are following through with the freeze request, and have even prevented me from accessing any of my credit information. Experian claims they do not have a credit file on me even though I have a copy of my credit report and include it with my requests as well. XXXX won't provide me with any information either. 

I have also submitted police report regarding identity theft, which has also been disregarded and ignored. 

In an attempt to apply for a home improvement loan, none of the CRA 's were willing or " able '' to lift the security freeze as requested over the phone nor in writing - even with various documents proving identification.
Product: Mortgage

After Hurricane Irma left us with property damage I called Quicken Loans to place the mortgage in forbearance. They walked me through the process of how an adjustment would work and applied the forbearance.

I've had monthly phone calls where they've checked in and they've asked me each time if it was my primary residence and if it was occupied and each time I've told them it is not my primary residence, but it does have a tenant who is renting from us.

This month when the time came to adjust the mortgage they've told me that they can't adjust it because it's a second home so I now have a {$7000.00} balance due, or {$510.00} a month for 12 months ( they adjusted from 6 months to 12 ). I can not afford an extra {$510.00} a month, I don't have that money sitting in my checking account. Quicken 's response is just " sorry we made a mistake, you need to pay for it ''. I've done the right thing in trying to repay the loan on a property that is upside down when everyone else foreclosed or short selled, now my credit and life is ruined. They are engineered to " amaze '', but not in the way their marketing department wants them to be.
Product: Debt collection

I paid Convergent Outsourcing {$300.00} on XX/XX/2020, that satisfied my debt in full with them. I have asked them to remove the account from all 3 credit bureaus several times but instead they update the remarks to paid in full and closed. Because they are now paid off I think it is fair that that account is deleted from all 3 credit bureaus. Convergent Outsourcing have been paid in full and should be removed from my reports so the derogatory mark is removed and I can proceed with buying my house as the mortgage lender asked that all collections be removed from all 3 credit bureaus once paid in full. Thank you.
Product: Checking or savings account

On XX/XX/XXXX, I disputed a charge for {$620.00} that occurred on XX/XX/XXXX because I could not resolve the issue with the company. I sent Chime all info. The dispute was denied on XX/XX/XXXXXXXX  with no reason given. Further research has shown that Chime often denies disputes and doesn't investigate at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is reporting an account of mine that was opened in XX/XX/XXXX as having late payments, and they're also reporting that this vehicle was included in a bankruptcy. 
This vehicle was totaled XX/XX/XXXX, XXXX and an insurance claim was paid out to them in full from my insurance company. 
They continued reporting negative information about this vehicle up until XX/XX/XXXX and then of which they stated that this vehicle was included in bankruptcy which is highly incorrect. This vehicle was paid entirely in full. 

I have emailed the CEO, XXXX XXXX, and my next step if I don't hear back from him with a resolution is filing a law suit against this company as they are defaming my character. I have a police report statement number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am i victim of Identity theft and have inform these companies and also sent the necessary supporting documents and these inquiries are not being removed. 

I am not looking for credit nor have i applied to XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. on XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Please remove these inquiries and add the number XXXX as the number to contact before proceeding with any application.
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. 


I told XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

I told Equifax to reinvestigate the account : XXXX XXXX XXXX : # XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was forced into a short sale in 2015 by wells fargo and would like for someone to look thru my paperwork to see if there was anything fraudulent done or signed.
Product: Debt collection

I requested information showing I was responsible for this debt and did not receive accurate proof. I do not owe this debt.
Product: Checking or savings account

Wells Fargo Bank reversed my stimulus payment in XXXX which caused my account to go negative. They also did not credit my account for a deposit in the amount of XXXX which created multiple overdraft fees. I called to discuss the transactions and freeze my account but they allowed charges to continue to occur. They also debited my entire government funds with intention to resolve overdraft fees that put me in a financial devastation. The insitution then in turn did not properly notify me or acknowledge any disputes and have since closed my account.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/XXXX and noticed somethings are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 

Transunion Dispute : According to XXXX XXXX Transunion XXXX, Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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