23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I got a letter saying that due to the XXXX XXXX XXXX the cc company had tried to contact me for months ( not true, looked in spam, etc ) and they had blocked my two accounts with them. They said if I logged in I would be prompted to update my personal information. I logged in and there was no prompt. I looked at my personal information, and it was fine. I wrote back and they kept saying the same thing, not answering. I had two accounts, one with a credit limit of around {$3000.00}, the other credit limit of {$15000.00}, which have XXXX balances. I got the first notice for the {$3000.00} limit account and finally just cancelled it because I couldn't get an answer. Next day I got the same message for the $ XXXX account, and went through the same process. No prompt, account is blocked. I wanted to keep this one open as I may need it some day. Status now is that it is blocked. After doing some internet study, I see that they have done this many times
Product: Mortgage

I was behind on my mortgage payments, on XX/XX/XXXX I called Freedom Mortgage and asked what the total due was to bring my account current. I was given the amount {$14000.00} ( this was the amount on the XX/XX/XXXX monthly bill ) which is what I paid. I also received a new bill on XX/XX/XXXX which I disregarded as I was told I was paying everything to bring my account current on the same day. My monthly mortgage payment is {$1500.00} going forward. I made another payment of {$780.00} on XX/XX/XXXX to break up the mortgage payment so I could continue to stay current. I just received my XX/XX/XXXX bill with the total due of {$1900.00}, this includes my monthly mortgage payment and also {$390.00} in " unpaid late charges ''. I contacted Freedom Mortgage today XX/XX/XXXX as I was confused how I could owe {$390.00} in late fees when I was told on XX/XX/XXXX that to bring my account current I needed to pay {$14000.00} which I did. I was told that the " unpaid late charges '' don't get paid due to how the payment hierarchy is and that they will become due at the end of my loan ( or when I pay my loan off ). As a consumer I am not understanding how Freedom Mortgage can be false/misleading regarding " unpaid late charges ''. If I was past due for half of XXXX into XXXX how are not ALL " late charges '' showing on each bill or factored in when bringing your account " current ''? From my understanding these " unpaid late charges '' are not being paid until the end of the loan, if that is so why are they showing on my current bill that is due in XX/XX/XXXX? I am struggling as it is to make my mortgage payment, Freedom Mortgage needs to provide accurate billing, how are " unpaid late charges '' being added after you bring your account current. When calling to inquire about the " total due to bring the account current '' why would " unpaid late charges '' not be included in that?
Product: Credit card or prepaid card

Discover card is claiming I had an account with them and they charged off {$12000.00} in 2017. 
I never had any account with Discover card. I have asked Discover to send me proof showing this card account is mine. My original application form to start this account, transaction history etc. I have been writing back forth with Discover card for more then one year and 3months.So far they have not given any proof to me. I have written letters to IRS, Attorney General, XXXX XXXX and Consumer Response center to resolve this problem. Again, So far Discover card is refusing to give me any proof. If they do not have any proof, they should admit their mistake and give me a cancelation of this claim and the 1099 they have send to IRS. 
Please contact Discover Card division and solve this problem. 
I have the copies all the correspondence which I have mentioned above. 
Thank you.
Product: Credit card

I have been a Discover Card member since XX/XX/XXXX. I used my Discover Card to make a couple of purchases in XXXX, XXXX, and four purchases between XX/XX/XXXX and XX/XX/XXXX. I have not used my Discover Card during the years of XXXX, XXXX, XXXX and most of XXXX ; I did not start using my Discover Card again until XX/XX/XXXX. I recently attempted to do a Cash Advance and noticed that I did not have funds to transfer from my Discover Card to my checking account. This caused me to look through my Discover Card statement and I found that I have been charged interests every month regardless if I made a purchase or cash advance with my card. My statements reflect that I was charged {$1100.00} in interest and {$550.00} in fees for the year XXXX ; in XXXX I was charged {$1200.00} in interest and {$420.00} in fees ; and in XXXX I was charged {$1200.00} in interest. Please note, I did not make a single purchase or cash advance using my Discover Card during these three years but was still charged over {$1000.00} each year in interest. I have also noticed that my credit line has increased from {$5000.00} to now {$8600.00} without my consent. I believe the increase was done to add interest charges and fees. I have contacted Discover Card company via Live Chat in hopes to reach an amicable resolution but all they do is 'copy and paste ' text from their disclosure documents. I am seeking aid from a regulatory agency as I find this practice unjust to consumers.
Product: Checking or savings account

I cashed a money order XX/XX/year> that I purchased with my bank ( bmo ) and it had a scratched off name on the front of it in the pay to order of section because the intended use of it had changed but it only had my name in the purchasers & endorsement sections. The bank then froze my account and all access due to suspicion of fraudulent activity. I let my bank know why the name was scratched off the following day after the deposit & I sent them a receipt for the money order the same day.. They then told me their lead investigator would look over the documents I sent within 3-5 business days but the investigation can take 14-30 and that currently was about 7 business days ago. This is not ok, Ive already explained to them how much I need my funds because I have children whom I will not be able to feed or take care of and obligations I wont be able to carry through but there is little to no care for my case even though I sent in clear evidence supporting there is no ongoing fraudulent activity.
Product: Debt collection

This nightmare with Qualia Collection Services started approximately XX/XX/26 with an individual named XXXX. From the time XXXX got on the phone she was extremely rude and aggressive about a debt I owe for a recent vehicle purchase. XXXX cursed, used abusive language and threatened to ruin my credit if I could not pay my debt in full immediately and repeatedly belittled and mocked my voice while speaking to me. She hurled insults at me telling me i shouldn't have purchased my car if i know I don't have money and just kept going relentlessly. I hung up on her and called back and then spoke to another individual named XXXX I asked for a supervisor and he told me I could not speak to anyone else besides XXXX as she is the only supervisor. He then also threatened me telling me that because the check i wrote had been returned by the bank that I had committed fraud and it was a felony and I should be charged. I informed him several times of the extenuating circumstance that caused this ( funeral expenses ) and he said that it was not his problem and they are not required to make exceptions. I repeatedly asked for options for payment arrangements and such and he said they are not obligated to assist me and also repeated XXXX 's statement that if I have time to drive i should go find money to pay my bills. He then threatened that if I cant find the money in 48 hours I would face consequences that are at the discretion of the delinquency team and would not specify what those were only told me that if I dont pay I will find out as XXXX has already referred me to them. I also got another call from XXXX and this time he repeatedly asked about my daughter. My daughters name is listed on the check I originally wrote as a death beneficiary and this is clearly stated in black and white I asked him repeatedly to stop mentioning her and he refused. He asked her age, her whereabouts and personal info almost as if to taunt me. He also said as long as she isnt a minor he wont stop mentioning her. This literally went on for almost 10 minutes he kept mimicking her name saying it over and over even told me his age and if she isnt a minor there is nothing I could do about him talking about her. He informed me he looked up her age and saw she is XXXX so he is free to discuss anything regarding her information. My daughter is not now nor ever has been listed on this debt in any way not a guarantor or cosigner. He then went further to ask about my mother this is beyond outrageous that these people are allowed to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an unauthorized credit inquiry with XXXX XXXX XXXX. XXXX XXXX sent me a letter stating it would be deleted from my credit report and they have contacted Equifax and requested this unauthorized inquiry be removed Equifax did not. I mailed a copy of the statement that I received from XXXX XXXX stating this information should be removed. I received a response that the information is factual and will not be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Accounts listed on my credit report are not mine and I have reported this problem to your company, I have even provided proof and still these accounts are still listed on my credit reports. I have filed identity theft reports and police reports and several complaints with the CFPB and I still am not getting any results. I am being penalized for these accounts and I didnt open them or utilize them.
Product: Credit card or prepaid card

Paid my target credit card bill on XX/XX/2019. The total was {$40.00} and I paid the entire amount over the phone with a target customer service rep. Its now XX/XX/2019 and target is still claiming i need to pay the bill, plus their interest fees. I spoke with target customer service again and explained that I paid the bill over a month ago via the phone with a target rep, and target is claiming that phone payments sometimes get lost in their " control system. '' ( I have no idea what that means ). I even called target again and did a three way call with my bank. My bank verified to them that the funds were withdrawn from my account and sent to target, and that it posted on my account on XX/XX/2019. Target doesnt care and are simply demanding more money. Total scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd CFPB complaint to inform the Credit Reporting Agencies I am a victim of identity theft and I complaint to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I took the liberty to investigate my own Credit File since the Credit have done nothing, I immediately took note of the following : a ) Some of the account in dispute were already removed from my Credit File with the other Credit Bureaus and yet are still being reported by some of the Credit Bureaus ; b ) these accounts were the result of my identity being stolen ; and c ) despite my attempts to dispute these accounts, the Credit Bureaus have been doing nothing. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove the disputed accounts since these accounts were results of identity theft. Under the FCR section 605b, I am requesting that the Credit Bureaus remove the disputed fraud accounts and information completely from my Credit file as soon as possible : XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the Disputed accounts belong to me, please send me copies of proof of verification as well as copies of documents bearing my signature. If the Credit Bureuas can not provide me copies of of proof of verification, please have the disputed items removed as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I sent a letter to XXXX, Experian and XXXX regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation. \
Product: Mortgage

I would also like to bring to your attention the, for lack of better words corrected kindergartener 's homework of a assignment of mortgage ( see attached ). To say the least this legal document filed with the County of XXXX of Arizona is BEYOND questionable. 

I do not know a XXXX XXXX, the date of the loan is incorrect, the amount of the loan is incorrect, the state and county are incorrect. Yet my information appears in much smaller font below ... ... honestly, is this a joke? Did Statebridge Company LLC ever have the legal right to own/service my loan?
Product: Mortgage

At our request, my loan with Specialized Loan Servicing, LLC ( SLS ) went into forbearance on XX/XX/XXXX through XX/XX/XXXX due to lost income as a result of the COVID-19 pandemic. On XX/XX/XXXX SLS automatically extended the forbearance through XX/XX/XXXX. I then applied for a loan modification in XXXX XXXX and because of numerous communication failures and unhelpful/unqualified customer service personnel, I am still not able to resume a monthly payment schedule. Once I applied for the loan modification, I was inundated with 7 applications ( in total ) from XXXX through XX/XX/XXXX all requiring different information and most were rejected for inane reasons. Finally, on XXXX XXXX, XXXX, I was informed that my application had been accepted and under review for assistance. Then on XX/XX/XXXX, I received a letter from SLS stating that they were awaiting my property valuation before they could proceed. However, I have two property valuation documents sent from SLS dated XXXX XXXX and XXXX XXXX, XXXX respectively. I have recorded all calls to and from SLS and the runaround I've received ( not to mention the customer service staff 's total lack of knowledge/experience regarding my loan modification ) has been totally unacceptable.
Product: Mortgage

To Whom it may concern, With SPS as our loan servicer we had kept up with our house payments until XXXX of XXXX. At that time due to company layoffs and loss of income just prior to that we were unable to keep up with our house payments. While we tried to work through this with SPS, after 3 months they refused to take any house payments. We had made several attempts with SPS to get a Loan Modification with no success. SPS continued to refuse to work with us at any level or take any house payments through the years when while trying to get new jobs and to get back on our feet. 
Our home has been in and out of foreclosure multiple times over the next few years while SPS has continued not to want to work with us. 
In XX/XX/XXXX SPS offered a retention option of a 12 month repayment plan with a balloon payment due at the end of the 12 months. We accepted this offer and made all scheduled monthly payments due on time but were unable to make the balloon payment. These payments were nearly double the amount of our regular house payment. 
We reached out to SPS to try to renegotiate a new or continued repayment plan, but we were denied. Beginning XX/XX/XXXX a Covid19 Forbearance was put into place. This Forbearance along with XXXX XXXX continued through XX/XX/XXXX. 
Covid19 had and is still having a profound effect on our financial situation. Our home based business was forced to close and we lost extra income we had created by renting an extra room. 
Documents that SPS have provided per our request contain many errors and incorrect information, such as incorrect amount of our monthly income. The document shows us having XXXX dollars of monthly income. The deed of trust has XXXX listed as the lender. XXXX is not the current lender but there is no filing of deed of trust by the foreclosing lender. The principal amount due is incorrect. We last submitted for help on XX/XX/XXXX and where denied on XXXX-SPS never even gave us a fair review submitted a XXXX Denied the following XXXX-NO REVIEW!!
Product: Debt collection

In   XXXX   XXXX  , I was in the process of applying for a home improvement loan and found that there was an unknown cre dit card through BarclayCard o n my credit report. I had called and disputed the card and charges, which at the time was approximately {$2700.00}, and after that did n't think anything of it since I was told I would get a phone call if there were any other questions. In about   XXXX   XXXX   XXXX   I called to check and make sure that there was no longer an active account in my name, at that time I was told that someone had called and claimed responsibility for the debt the day after my initial dispute. I continued to dispute the charges and they told me that since someone took responsibility the dispute will come back denied each time I put it in. I have received a collections notice from the agency representing them now and am still disputing the charges which are now {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on several occasions filed a FCRA 611 dispute letter with Trans Union requesting they provide me with the method of verification they used to verify a disputed item. They each time have come back with what I attached. 
I know they are unable to do this and seems like each time the attached is the automatic response given. 
They are fully aware that I have copied CFPB, as I mailed my dispute to you also as a backup. 
Please look into why they are not adhering to FCRA 611 requirements.

As these two items listed that I questioned should have been removed. Because they can not provide the method of verification. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am Submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXXXXXX Balance : $ XXXX I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote 3 letters and mailed certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three credit bureaus indicating that were reporting incorrect and invalid information and unverified accounts on my credit report. I have requested the three credit bureaus to update all true and correct information regarding 1 name on my account, 1 address, and 1 employment. I have requested all three bureaus to remove all non-holding accounts inquiries over 30 days. I have asked all 3 credit bureaus in these letter to provide the name of the individual business address and telephone number of the person or business contacted during your reinvestigation. The name of the person who verified the dispute with the original creditor, and the documentation that was used to verify the dispute. I have not received any information, documents, or proof to my request on these unverified accounts. I have also reached out to the creditor companies on XX/XX/XXXX via certified mail and a few have responded but have not sent in the requested information to verify the accounts such as an application with my signature, bond, or an agreement for any debt.
Product: Debt collection

XX/XX/XXXX Capital Accounts LLC placed a collection account on my credit file with XXXX  for {$730.00} ( see attached credit report ). I had no information on this account from the original creditor or the collection company and had no chance to request validation of the debt. I filed a complaint with the CFPB on XX/XX/XXXX complaint XXXX. Capital Accounts LLC responded, " We have made several attempts to contact consumer with no success '' this was a lie to the CFPB. Capital Accounts did then contact me XX/XX/XXXX giving me 30 days to challenge the debt ( see attached letter XX/XX/XXXX ). Clearly, if they had contacted me earlier they would have not needed to send this letter and therefore have lied to the CFPB and broken collection laws. I responded to there request on XX/XX/XXXX within the 30 day challenge period ( see attached letter and evidence of delivery ). Capital Accounts LLC then contacted me again on XX/XX/XXXX having received my challenge - again violating the FCRA. Finally, CFPB has received no response from the original creditor about this the complain filed XX/XX/XXXX - I request that CFPB take immediate action against Capital Accounts LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans had gone in default and were transferred to a collection company- back in XX/XX/XXXXI setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to middleXX/XX/XXXX into my loans that are out of default and back to being processed through XXXX XXXX and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a single mother. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.
Product: Credit card or prepaid card

Fraudulent card account has not been cancelled despite notifying the issuer Goldman Sachs, or removed from my credit reports.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to you as I pulled my credit report and see that this was sold to a third party collection. 
A charge off is a certificate of indebtness which means it is income and must be removed. This is a violation of the privacy act of 1974. This account needs to be immediately removed and credit report updated.