23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have attempted to remove escrow from this account numerous times after poor calculations and mis-allocated funds. Each time I was denied due to alleged XXXX numbers. My last request was on XX/XX/year> when I was denied again. However, a new escrow analysis was sent late XXXX, and there was no mention of them approving the request, or letting me know that they would no longer pay taxes. It was not until I received a revised payment notice in XXXX that I questioned what had happened, and researched only to find out that they kept insurance on the account, but no longer the taxes. This cost me the county discount, and added stress of having to pay XXXX dollars last minute. It was easily preventable with clear communication, but Freedom has never been good at that. They even admitted that the notice was not clear and should be worded better as to leave no question with the consumer as to what has occurred. Very preventable.
Product: Consumer Loan

I took out a loan from Big Picture Loans in the amount of {$1000.00}. I was told the finance charge would be {$350.00} for a total of {$1300.00}. I did not see the documents until after I signed. This is apparently not the case and the interest is in excess of 800 % with a bi-weekly draw on my bank account of {$350.00}. I was also told I can not stop ACH as I agreed to ACH in the agreement. If I revoke ACH, BPL states they have the right to present electronic checks to my bank.
Product: Mortgage

I was promised that during the forbearance period my they would not report that I have missed any payments. I have in fact in my six month forbearance period continued payments from the fourth month. The company has reported to the credit report that I have missed a payment when I have not and I am still in the forbearance period.

I've contacted CrossCountry Mortgage and they said that it was a mistake on their end and they will work on removing that mistake but have not done it yet inspite of reporting it from XXXX and directly reaching out to them.
Product: Credit card or prepaid card

I opened up a dispute with Capital One against XXXX XXXX XXXX in the amount of {$2900.00} for a piece of furniture that was never delivered. The company has no proof of delivery, nor signature. Moreover, Capital One is denying my request for the chargeback. Capital one has offered no reason as to why they are denying the request. I have called them multiple times and have not gotten any resolution. I have submitted all the paperwork in a timely matter for review.
Product: Mortgage

I XXXX XXXX filed an possession complaint against XXXX  XXXX in 46th district   court a hearing held Wednesday. He produced what appeared to be fraudulent purchase agreement and closing papers. Lied for the second time and claim he never seen me until as he claims bought the house in XX/XX/2009and he do n't know XXXX XXXX the realtor of XXXX XXXX. Was accompanied with his true wife a old lady not his daughter XXXX XXXX listed on the deed. 
Do your chase research department show a credit sale of XXXX to XXXX XXXX to XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, oh by XXXX XXXX and his daughter XXXX XXXX XX/XX/2008, XXXX illegal immigrants?
Product: Checking or savings account

Hello, my online XXXX Bank of America ( BofA ) account was broken on XX/XX/XXXX and {$4900.00} were transferred to a hacker account. 
I called to XXXX BofA customer service earlier, on XX/XX/XXXX, when found a strange message on my phone. I asked to check if everything is right with my account. Customer service representative assured me that everything is good. 
The claim was opened on XX/XX/XXXX. BofA put a credit of {$4900.00} on XX/XX/XXXX. 
I received a letter from BofA that my account was frozen on behalf XXXX on XX/XX/XXXX. XXXX denies that they asked BofA to freeze my account. 
Then I received another letter from BofA dated XX/XX/XXXX telling that my claim was denied because BofA could not revert the money. BofA offered me contact the hacker personally to return the money. BofA wants the credited money back together with all fees related to this investigation. Debt agency already started call me. 

BofA does not want to communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated on XX/XX/2022, I, XXXX XXXX, an federally protected consumer, will like to bring more clarity and to the attention to Discover Bank of the harm and extortion of extension of credit means by Discover Bank furnishing my non-public personal information and by it not being a Requirement youre doing this without my lawful authority As it mean to bring some statue harm to my financial reputation attempting to extort me by furnishing this information to the Consumer Reporting Agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. Im fully aware The financial institution Discover Bank has failed to comply with The GrammLeachBliley Act and did not provide their customer, consumer with the appropriate forms and options to opt-out of furnishing my non-public personal information to 3rd parties according to The GrammLeachBliley Act. Discover Bank can be fined up to {$100000.00} ( Per violation ) according to The GrammLeachBliley Act. Im demanding Discover Bank to cease and desist the status of Charge-off and update to Paid As Agreed to all Credit Reporting Agencies and remove all negative information. 
I am aware of what a Charge-off is and what a Write-off is and Im aware of what a Finance Charge is. Discover Bank you will be double dipping if you continue to attempt to collect the alleged debt from me. ( Notice ) I refuse to pay the alleged debt. Im aware Discover Bank is not complying with the law and it will be very deceptive of Discover Bank if you continues to furnish my non-public personal information the way you are and you face serious violations and penalties. See 18 U.S. Code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish ANY person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Discover Bank you are facing serious penalties with your deceptive business practices and all legal actions necessary will be taken if you do not comply and correct all your errors. Thanks in advance for your timely cooperation. Best regards! XXXX XXXX, federally protected consumer!
Product: Debt collection

Apparently, XXXX sent me a notice that I owed XXXX XXXX XXXX {$520.00} on XX/XX/XXXX. At this time, my son, who is a XXXX XXXX veteran and has severe XXXX and XXXX, was going through a rough time and XXXX   XXXX because on XX/XX/XXXX he hit an XXXX  in XXXX while serving in the XXXX. On XX/XX/XXXX, he attempted XXXX, and I spent the next few weeks securing treatment for him because the XXXX XXXX XXXX XXXX had turned him away on XX/XX/XXXX. Needless to say, as a family, we have been dealing with this for years and it is unbelievably exhausting so  whether XXXX sent me this bill or not I have no idea because for the past couple of months my life has been turned upside down. I also have XXXX so that complicates matters. 

I had called XXXX XXXX XXXX a couple of months ago to setup a payment plan and unbeknownst to me, they do not automatically take all of your accounts into consideration for the payment plan so again, I thought I was doing the right thing but because I did not unequivocally state that I wanted all accounts included, I am punished. 

On XX/XX/XXXX, I noticed that XXXX had added a collections report to the credit agencies so I immediately paid XXXX XXXX XXXX {$520.00} directly. I called XXXX to see about having the collections removed from my credit report and they will not. Yes, I know I missed paying that account because I did not receive or overlooked the ONE statement they sent me but I was busy trying to keep my veteran son alive. 

I now have my house on the market and I guess I will be homeless because no mortgage company is going to touch me with the 40 point drop in my credit score. I do not understand why XXXX would not even entertain removing the collections from the credit agencies. There is no empathy or sympathy in this world anymore and especially for Military families.
Product: Debt collection

XXXX Report Number XX/XX/XXXX Date Generated General Account Info Account Name CONVERGENT OUTSOURCING Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$400.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$400.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX XXXX XXXX This company allows someone via telephone to open an account in my name didnt ask for proof of residency, didnt ask for state id or any types of forms proving thats me opening up an account they didnt even ask for a lease or anything to verify that was me and now they holding me responsible for an fraudulent activity account open in my name and reporting it to the bureaus
Product: Credit reporting or other personal consumer reports

I am attempting to apply for a new credit card, but I am unable to unfreeze my credit report with Experian due to authentication issues. My credit reports are frozen with all XXXX  major credit bureaus ( XXXX, XXXX, and Experian ). While I successfully unfroze my reports with XXXX and XXXX, I have encountered significant barriers with Experian. 

Experian has an outdated and inactive phone number associated with my account, which is used for two-factor authentication. Additionally, the password I have on file for Experian is no longer working. Because I can not authenticate my identity during the " forgot password '' process, I am unable to log in to reset my password, update my phone number, check for fraudulent activity, or temporarily lift the freeze on my credit report. 

I have made multiple attempts to resolve this issue. I called the following Experian phone numbers : XXXX XXXX XXXX XXXX Unfortunately, none of these numbers provide access to an alternative way to authenticate my identity or allow me to speak with a live representative who can assist in resolving this matter. 

On XX/XX/year>, I emailed XXXX to seek help. However, I did not receive an automated confirmation of receipt, leaving me uncertain about whether this is the correct channel for addressing my issue or whether my request is being processed. 

Further complicating matters, my wife is experiencing the exact same issue : an inactive phone number associated with her Experian account and an invalid password. We both wish to apply for new credit cards, but we are completely unable to proceed due to these obstacles. 

This situation has left us stunned by the barriers Experian has put in place, preventing access to live customer support for resolving such critical issues. Until this is resolved, we are unable to apply for loans, credit cards, or establish any financially related accounts. 

We urgently request guidance on how to resolve these issues with Experian and regain access to our accounts. 

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

On XX/XX/XXXX, I sent you a letter via certified mail ( XXXX ) requesting debt validation for the referenced account. You responded on XX/XX/XXXX with a bill from a creditor. On XX/XX/XXXX, I sent you another letter via certified mail ( XXXX ), rejecting your response because a simple bill is NOT considered a " validation of debt '' by any means. Furthermore, this was unsatisfactory as proof that a debt is owed according to Texas Finance Code Section 392.202 and the CFPB 's standard. 

The letter mailed on XX/XX/XXXX again attempts to validate this debt and extends additional time for your company to comply with federal and state law. As of this date, I have yet to receive a response. This account is still reporting and has yet to be validated, even after a consumer request. 

Not only has this account not been validated, but it also contains numerous errors. When you received the two notices that this account was disputed, an investigation should have been conducted, per FDCPA and FCRA guidelines, and these inaccuracies should have been corrected. Because these inaccuracies remain, it shows that a proper validation was never conducted. 

This account has a last activity date of XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX. If this one account was updated, then it should be the same for all credit reporting agencies. What I found to be very concerning is your reporting to XXXX, which reports an Account Open Date of XX/XX/XXXX but has the last activity BEFORE the account was even opened. This is an egregious inaccuracy. Next, the account shows as open on XXXX and XXXX but closed on XXXX. If this is the same account, how can that be? 

Lastly, this account is a charge-off account and is reported as a collection by your company. Since then, this account has been reported as a charge-off every month, creating a payment history. This is an update in the payment history, which, to my understanding, collection accounts should NOT include an active payment history. This very action falsely manipulates the statute of limitations. 

This erroneous account contains numerous inaccuracies and has yet to be validated even after being requested twice. The company 's actions can only be deemed willful as they failed to correct or remove this account.
Product: Credit card

In XX/XX/XXXX of this year, I purchased 3 digital cards and paid for it on XXXX using my Barclays Wyndham Rewards Earner Card. Ive had three successful transactions with the same seller previously, all on the same date, XX/XX/year>. All items were provided on the same day, and since they are digital items, they can be sent with just a few clicks after payment. However, in XX/XX/XXXX, after paying for three items for {$86.00}, the seller stopped communicating with me and never delivered the items. I messaged the seller and even called them on XXXX XXXX since thats where the written communications occured. They saw the messages, but never responded. Hence, I have decided to contact my credit card company to dispute the transaction on that same week. I explained to them everything that I just mentioned above. The seller provided them a screenshot of one of our SUCCESSFUL transactions dated XX/XX/XXXX in the amount of {$84.00}. The transaction I was trying to dispute is dated XX/XX/year> for {$86.00}. My credit card company, without looking clearly at the screenshot document the seller provided, sided with the seller and instead is saying that I was the one in the wrong and informed me formally through XXXX, and CLOSED the case. The seller did not provide the right document for the disputed transaction because it was never successful. I then contacted Barclays again and made an appointment to speak to a manager. The manager contacted me back the following morning and after explaining everything to him in depth, I specifically ask him if he saw the discrepancy with the information the seller provided being the wrong amount and the wrong purchase date, and he agreed and said he would note the account but I would still need to write a letter and send in the rest of the qualifying communication documentation. I printed all of the communications with the seller including the part that they conveniently decided to use up to the last part of the conversation where they never provided the item and decided to stop communicating with me. I wrote a letter to Barclays as requested and sent all the documents through XXXX since Barclays still do not have Electronic Mail as a method of communication. Two weeks later, I received a letter from the card company stating that my documents are insufficient proof, and YET, the one page screenshot document that the seller conveniently used to prove their case WHICH WAS THE WRONG AMOUNT AND DATE OF TRANSACTION was deemed Correct by Barclays Dispute Team. As a year long member and with an excellent credit rating, this is my first time disputing a transaction with Barclays, and this is the kind of service they are providing. 

I am submitting this claim to request assistance in elevating this matter to resolve it approriately and have my funds returned.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX : XX/XX/year> ] [ XXXX : XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXX XXXX TX XXXX ] Subject : Dispute of Late Payments on Account - Demand for Late Payment Deletion To Whom It May Concern, I am writing to formally dispute the late payment ( s ) reported on my credit report for First Commerce Credit Union account number [ XXXX ]. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws, I request immediate investigation and verification of the accuracy and legality of the reported information.

Grounds for My Dispute : 1. 15 U.S.C. 1681 ( a ) ( 2 ) : The term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. Any reported payment history must comply strictly with the legal definitions provided by this section.

2. 15 U.S.C. 1666b : A creditor may not treat a payment as late unless reasonable procedures are in place to ensure that each periodic statement, including the information required under 15 U.S.C. 1637 ( b ), is mailed or delivered at least 21 days before the payment due date. 
I demand proof, such as a tracking number or proof of delivery, showing that such notice was mailed or delivered to me in compliance with this statute. Additionally, provide a copy of the notice itself.

3. 15 U.S.C. 1681e ( b ) : The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information in credit reports. In the absence of evidence verifying the accuracy of this late payment report, it must be deleted immediately to comply with the law.
Product: Credit reporting or other personal consumer reports

I paid my loan off in XXXX.The Company sent me my title and reported my account closed and delinquent. I've spoke to a agent with XXXX XXXX.He stated it would be corrected but it hasn't yet.
Product: Student loan

When XXXX bought out Earnest, they removed the biweekly payment option. When I called to discuss this with representatives in XX/XX/2018, they told me that switching to monthly payments would not affect the amount of interest I paid. That was false. A basic economic principle is that paying a loan more frequently reduces the amount of interest. I continued to make biweekly payments despite Earnest 's false representations. In XX/XX/2018, the interest being charged on my loan doubled. I have a variable interest rate, but the increase in LIBOR was not enough to cause the interest to double. I suspect XXXX changed the way they are calculating interest. Since XX/XX/2018, the interest being charged on my loan increases even when the interest rate and LIBOR decrease, and even though my loan balance is decreasing. This does not make sense. Earnest is either calculating the interest rates incorrectly, or charging hidden fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My primary name is missing middle initial and there are previous names and previous addresses I never used that need to be removed now
Product: Mortgage

I SUBMIT MY MODIFICATION PACKAGE TO MY LENDER NATIONSTAR MORTGAGE, THE FILE WENT TO THE UNDERWRITING DEPARTMENT AND THE FILE WAS DENIED PER MY ASSIGNED REPRESENTATIVE. I ASKED HER WHY AND WAS INFORMED IT WAS DUE TO MY INCOME, SO I ASKED WHAT NUMBERS WERE USED AND SHE PROCEEDED TO STATE WHAT WAS PROVIDED ON THE APPLICATION WAS THE NUMBER USED. SINCE THAT IS A VERY VAGUE ANSWER AND THE FILE GOES TO UNDERWRITING FOR EXACT INCOME CALCULATIONS THAT ANSWER DID N'T MAKE SENSE THAT THEY WOULD USE THE NUMBER I GIVE AND THEN GO TO UNDERWRITING FOR CALCULATIONS SO I ASKED AGAIN AND AS SHE SIGHED FOR ME ASKING HER TO DO HER JOB SHE STATED THAT THE INCOME USED WAS {$9800.00} GROSS AND {$1900.00} NET WHICH BROUGHT MY RATIO TO 145 %. I ASKED MY ASSIGNED REPRESENTATIVE HOW DOES THAT MAKES ANY SENSE THAT THEY CALCULATE MY INCOME AT ALMOST 10K AND NET UNDER 2K AND IF SHE IS MY DEDICATED REPRESENTATIVE IS IT NOT HER JOB TO HELP WITH THE FILE AND SHE STATED HER JOB IS TO READ THE NOTES, NOT TO CALCULATE INCOME OR ANYTHING TOO INVOLVED. 
JUST AMAZING!! 
MY REPRESENTATIVE STATED THAT SHE WOULD EMAIL THE UNDERWRITING DEPARTMENT AND NO PROMISES. AS YOU CAN SEE SHE WAS VERY HELPFUL. I CALLED BACK TO THE LENDER AND THEY STATED THAT THE FILE WAS STILL DECLINED HOWEVER THEY DID HAVE A NEW INCOME THAT WAS USED, {$9800.00} GROSS AND {$3900.00}, STILL WRONG BUT AT LEAST THE UNDERWRITING DEPARTMENT GAVE IT A GOOD TRY. 

I FIGURED I WILL SHOW HOW TO CALCULATE THE INCOME SO WE CAN ALL BE ON THE SAME PAGE. 
PAY STUB USED XX/XX/2016 {$97000.00} YTD GROSS XXXX PAY PERIODS {$97000.00} DIVIDED BY XXXX = {$4400.00} {$4400.00} MULTIPLIED BY XXXX PAY PERIODS = {$110000.00} ( YEARLY AVERAGE ) {$110000.00} DIVIDED BY XXXX MONTHS = {$9600.00} BACKEND RATIO IS AT 43.11 % {$43000.00} YTD NET XXXX PAY PERIODS {$43000.00} DIVIDED BY XXXX = {$1900.00} {$1900.00} MULTIPLIED BY XXXX PAY PERIODS = {$51000.00} ( YEARLY AVERAGE ) {$51000.00} DIVIDED BY XXXX MONTHS = {$4200.00} I JUST NEED MY INFORMATION TO BE LOOKED AT CORRECTLY SO I CAN SAVE MY HOME.
Product: Credit card or prepaid card

I opened an Allegiant Allways credit card last month through Bank of America and was charged a {$59.00} fee which I paid. The second day after using the card for several XXXX purchases, one of the orders was declined and they put a freeze on the card. I called them and they said the card was placed on a security alert, and to use the card, make any changes, or cancel it, I must physically go to one of their offices to answer more security questions and provide 2 forms of identification. The problem is that there are no offices in the state of Wisconsin where I live. I questioned them about why they froze the card and they could not find any reason as it was not an unusual purchase with XXXX. The same day they approved a couple orders with XXXX for a similar amount. I opened the account with the intent off accruing {$1000.00} of charges to attain the bonus points which would have given me a free flight on Allegiant which would have justified the price of the card. Since this is not possible because I can not use the card, I expect a {$59.00} refund. It is unreasonable to require me to physically appear at their office to even close the card. I am concerned about my credit rating which has always been over XXXX because I cant even close it before the next renewal fee. They should either unlock my card or issue me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023. Someone tried to open up credit card with my name while using the wrong address and it also got approved but was denied.