23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I placed a complaint number XXXX where Ditech responded inaccurately. Again I am requesting a itemized breakdown on how they are arriving at the total amount past due so as I can liquidate my retirement account and bring this account current. As of XXXX XXXX XXXX according to a statement sent to me Ditech claims the totat amount past due is {$62000.00} where this calculation is inflated and before I send out a check for over {$50000.00} I want them to place in writing clearly how they are arriving at their total amount past due. 
The other issue in the original complaint which Ditech was not truthful claiming they never received the property tax reduction documentation where my property tax grievance reduced my taxes over {$3000.00} per year. On XXXX XXXX, XXXX I received a letter where it stated as per the origninal terms of my mortgage with XXXX before it was sold that on XXXX XXXX XXXX the interest rate increases to 4.0 % and my monthly payment according to Ditech as of XXXX XXXX, XXXX will be XXXX. 
This calculation is incorrect because it is not factoring in the reduction of my property taxes and their response to the original complaint that they did not received documentation is false. I am requesting a property breakdown of how they are arriving at this monthly payment amount of {$2500.00}. 
What this complany has done in essence is take advantage of someone who was suffering from a temporary XXXX and has dragged this matter on with false promises of a modification while playing a paperwork delay game where they allegedly applied for modifications four times of the past year. In XXXX XXXX when the company was named Green Tree I was instructed to stop making payments so I would have a better chance at the mortgage being modified and the clock reset to a 20 year mortgage and in some instances a 40 year mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to rectify this issue with XXXX.  They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with XXXX and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.
Product: Credit reporting or other personal consumer reports

EQUIFAX DATA BREACH SETTLEMENT Based on the information you provided ; our records indicate your personal information was impacted by this incident.

For more information, visit the FAQ page. 

For XXXX XXXX XXXX XXXX, please call Experian at XXXX and provide engagement number XXXX.
Product: Mortgage

my bank has sold my commercial loan denial to numerous secondary, tertiary, and worse lenders. I do not know if this is legal. can you help me?
Product: Debt collection

Federal Loan Servicing is still reporting on my credit report and should have been removed after I paid it. It has been removed from my XXXX  and XXXX credit report, but it is still reporting on my XXXX report. I have contacted XXXX in XX/XX/2019and XX/XX/2019 and it is still reporting on my credit report.
Product: Mortgage

My documents have my name misspelled. My name is XXXX ( one word ) NOT XXXX XXXX ( XXXX is not a middle name ) I was very specific with the mortgage company regarding the spelling of my name and was assured that it would be spelled correctly. I brought it to their attention numerous time and was assured each time that it would be correct for the filing. When I receiving the documents to sign in front of the Notary I again expressed concern regarding the spelling of my name. we called the loan agent and was assured that it was not a problem and would be corrected. I have received my documents from the new mortgage company as sell as the grant deed from the title company. My name is misspelled on everyone of the documents. consequently all the reporting etc. will be reported under the incorrect name. I contacted American Financial Network and have received NO response. I also specifically asked if they would hold the loan the full term of the loan I was assured that they would. The ink was hardly dry on the paper and I received notification that the loan has been sold to XXXX XXXX.
Product: Checking or savings account

I opened a capital one saving account with a promotion to receive {$450.00} after maintaining and average daily ending balance of {$50000.00}. I maintained an ending balance of {$50000.00} or more for more than 90 days. On XX/XX/XXXX I deposited an additional {$20.00} to my account. When the funds became available on XX/XX/XXXX when my balance was {$50000.00} I withdrew {$20.00} to my checking account. I never received my full {$450.00} credit. Capital states this is because the {$20.00} withdrawal came out of the {$50000.00} initial deposit. My ending baled was at {$50000.00} or greater for each of the 90 days of opening the account. Capital one states that the transfer of {$20.00} into my account did not post until XX/XX/XXXX but the funds were made available to my balance on the XXXX.
Product: Debt collection

I have sent to this company several communications requesting verification of dept and they never responded
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Unauthorized XXXX  BY XXXX Account from Credit Report Dear Trans Union, I am writing to bring to your attention a serious breach of privacy and potential identity fraud related to the unauthorized actions taken by XXXX  BY XXXX. The details provided below highlight the gravity of the situation and the necessity for immediate corrective action. 

1. Unauthorized Access and Identity Concerns : XXXX BY XXXX accessing my personal information without my consent constitutes a blatant breach of my privacy rights and raises significant concerns about the potential for identity fraud. I request an immediate investigation into this matter to address the unauthorized access and ensure the protection of my sensitive information. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Unauthorized access to consumer information 2. Unauthorized Addition to Credit Report : XXXX  BY XXXX has added an account to my credit report without my explicit authorization. It is crucial to note that, even in the event of a permissible purpose, the consent of the consumer is mandatory, and in this instance, I have not provided such consent. This unauthorized addition must be rectified promptly by removing XXXX  BY XXXX from my credit report. 

Relevant Federal Law Codes : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Unauthorized addition to credit report 3. Lack of Consent for Communication : XXXX  BY XXXX has contacted me without seeking my consent to do so. I want to emphasize that I do not wish to engage in any business dealings with XXXX  BY XXXX, and I am under no legal obligation to do so. Therefore, any further communication without my explicit consent is unwarranted. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Communication without consent In light of the aforementioned violations and concerns, I demand the following actions : 1. Immediate Removal from Credit Report : XXXX  BY XXXX must be promptly removed from my credit report to correct the breach of privacy and unauthorized addition. 

2. Cease and Desist Communication : XXXX  BY XXXX is instructed to cease any further communication with me unless explicit consent is obtained. 

Failure to comply with these demands within 15 days from the receipt of this letter may result in legal action, seeking damages and penalties for the violations outlined. 

I urge Trans Union to treat this matter with the utmost urgency and undertake the necessary steps to rectify the unauthorized actions of XXXX  BY XXXX. 

Sincerely, XXXX XXXX
Product: Debt collection

Today XX/XX/2021, I received a notice from XXXX XXXX XXXX that I owe {$940.00}, reference XXXX. It indicates the original creditor is " PayPal/PayPal ''. I only charge {$78.00} for payment by PayPal, and have automatic payment on balance due. XXXX XXXX XXXX is trying to scam from me, a senior citizen ( XXXX years old ) out of the {$940.00}. I have contacted PayPal. I have been unable to make contact with XXXX XXXX XXXX. I have file complaint with Nebraska Attorney General. 

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

On XX/XX/2019 a letter was sent to each credit bureau ( Equifax, XXXX and XXXX ) to validate an account on my report. That account was from XXXX for account # ending in XXXX. XXXX did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same 3rd party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Monday, XX/XX/2020 Advance America Manager contact me to schedule a payment, stating my account is 30 days late and continue to incur a late fee. 

My monthly payment is {$280.00} and due on the XXXX of the month. On XX/XX/2020, my payment of {$280.00} was returned by the bank. I contact Advance America and made payment arrangements. I made the following payments : XX/XX/2020 {$130.00} cash XX/XX/2020 {$180.00} cash XX/XX/2020 {$250.00} cash, {$47.00} Cash XX/XX/2020 {$280.00} cash - PAYMENT TO MAKE UP FOR XX/XX/2020 PAYMENT XX/XX/2020 {$280.00} auth # XXXX XX/XX/2020 {$280.00} debit TOTAL {$1400.00} In XXXX, I made two payments to bring my account current. On XX/XX/2020, I was informed that my second payment in XXXX to bring my account current was applied to the loan interest and I would need to make an additional payment to bring my account current. 

My understanding is that Advance America is not disputing I made the payments above, the dispute is that they will not apply the second payment to the XXXX payment returned by bank. 

I spoke with the Manager and an employee and both state there is nothing they can do.
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. 

Account Name : XXXX  XXXX Account XXXX Account Name : DEPTEDXXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which ant
edates 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.
Product: Debt collection

I have complained to this company several times, and they keep reporting this fraudulent debt on my credit report. It is identity theft plain and simple. My personal information was STOLEN from a car lot in XXXX, Georgia. The dealership was shut down by the city for an astronomical amount of criminal activity. Innovate Loan Servicing CORP. and XXXX  XXXX is very aware of my concern. However, they choose to put greed over the fairness of the consumers. They have used racist connotations to me a phone conversation stating, " You people do not ever pay your bills. '' Really? Why should I pay a fraudulent debt? I have reached out to XXXX. XXXX  XXXX, and the XXXX It is very unfair, XXXX, and demeaning. I think this company should be fined and shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries and account that I have never authorized. I have heard that sometimes bureaus making mistakes or sometimes its about Identity theft and somebody used my personal information. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires and account. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries and account be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit card or prepaid card

On XX/XX/XXXX I place reservation for 2 tickets to XXXX, AZ. With XXXX XXXX. I cancelled them an hour later. Amount was {$780.00}. Around XX/XX/XXXX I looked at my Citibank statement online, and noticed 2 purchases for airline tickets for {$480.00}, and it said XXXX XXXX on the statement. When I contacted Citibank, I explained I had made a purchase of 2 tickets, but cancelled them, and not to XXXX XXXX. The person said I should cancel card and report fraud. Around the XXXX I called to see why the charges were still on statement. They transferred me to fraud division, and they said I made the reservations, and so it was not fraud. I called XXXX XXXX, and they explained that the frights were cancelled and Citibank should have gotten their refund. They told me I made the reservations in XXXX XXXX pounds, and that is why the charge was {$480.00}. I called the credit card company again, and explained the mix up that made me think it was fraud. They reversed the one charge for {$480.00}, but not he other one. On XX/XX/XXXX I called credit card company and they said I owed them for {$480.00}, and would not give me a refund. They also said they didnt get a refund from XXXX. I called XXXX XXXX and they sent me a email on XX/XX/XXXX stating that two refunds in the amount of {$480.00} were refunded to my MasterCard, and they gave me ticket # s, and  tracking # s to give to Citibank. When I called and gave them to XXXX at Citibank, she said she would forward them to the right dept. on Sunday, XXXX XXXX, I pull up my Citibank app, and Charges were still on there, and they had a note that my account was closed. I had told them that they lied to me, and they got their refund on XXXX, but I get one, and they want me to pay for the other! I also got a letter from the Securty Operations Service Team stating the investigation is closed and since it was not fraud, the disputed charges would not be removed. How was I to know I that I did it in XXXX, and when I saw the statement for two charges for a different amount then the XXXX, and XXXX XXXX on the online statement, I naturally thought someone had gotten my card and charged 2 tickets to XXXX.
Product: Vehicle loan or lease

I opened an auto loan in XXXX. Not even a week into the loan the car starter blew out there was no AC and the dealer refused to take the car back. A few days later I let the bank know I wanted to surrender the vehicle snd the loan. In the blink of an eye the vehicle was stolen from me by armed men. Thats no coincidence. Yet the repossession is on my report. The bank is Westlake Financial
Product: Credit card

I have tried for XXXX years to get rewards for my credit card. I specifically applied for the credit card for its reward feature. To date, despite spending over {$420000.00}, I have received {$0.00} in rewards. According to the credit card offer, I was supposed to receive " % XXXX back on eligible XXXX purchases and also earn bonus rewards by purchasing select items on XXXX. '' I called the synchrony bank to complain about the rewards not being added and they suggested that I call XXXX. I called XXXX and they said that I call Synchrony Bank. I called Synchrony bank again and they sent me a letter stating that I needed to sync the accounts. The problem is that the instructions are not possible to follow because the links in the instructions are not available in my online account. I simply wish to receive my rewards as promised by XXXX and Synchrony bank. I have other credit cards that I could have used on XXXX that would have resulted in rewards.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XX/XX/XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This email is being sent to multiple people including the department of education, Experian and XXXX for full visibility in the hopes that I can obtain a refund for my degree or lack thereof. 

Back in XXXX I attended XXXXXXXX XXXX to obtain my degree in finance. I graduated with an XXXX XXXX from this particular institution, however after graduating and looking to further my education, I found out quickly that my credits were unable to be transferred to any other school including community college due to the fact that the school was not properly accredited, although XXXX told me that they were accredited at that time. After debating whether I should pursue additional education with XXXX to obtain my XXXX XXXX, since clearly my credits werent able to be utilized anywhere else and I was only XXXX credits away from my XXXX XXXX if I went through XXXX, I found out that XXXX was under investigation for fraud. I alerted XXXX ( XXXX XXXX ) at the time of the allegations and told them that I shouldnt have to pay my loans for a school currently under investigation for fraudulent practices, however that request fell on deaf ears. So I decided to stop paying only to have XXXX hit my credit with multiple 30 day late notices thus forcing me to pay these ineffectual loans. In XXXX of XXXX, XXXX finally decided that because the school was officially charged with fraudulent activity they would relinquish my debt in the amount of {$5200.00}. Great news right? Wrong. 

Between XXXX and XXXX, I paid a total of {$25000.00} including interest ( one as high as XXXX XXXX ) to XXXX for an XXXX XXXX that I am unable to utilize to help further my education or career. I am requesting a complete refund of the {$25000.00} that I paid so that I can pursue additional education or utilize the money to start a business. 

Additionally, I would like the negative remarks removed from my credit report immediately due to the fact that these loans arent even viable considering that the school was found guilty of fraudulent practices. 

Thank you all for your assistance in this matter.