23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I began the process of refinancing XXXX of my properties with XXXX XXXX on XX/XX/2015. I signed and agreed to a 2.99 % interest rate, fixed, 0 points and a {$480.00} lender credit at closing. My rate lock date was XX/XX/2015. Due to circumstances beyond my control, the underwriter continued to delay the closing such that my rate lock period expired. On XX/XX/2015 XXXX sent me a new rate lock agreement. On this new agreement they added points ( 0.125 % or {$240.00} ) and took away my lender credit of {$480.00}. My husband and I declined to sign this agreement and asked that XXXX honor their original obligation to us as we signed on XX/XX/2015. 

The delay in closing supposedly was due to the underwriter having a problem with my husband and I refinancing another property at the same time. I explained to them that the other refinance was simply improving the terms of existing debt and involved no new debt. The underwriter supposedly insisted that the refinance with XXXX Mortgage had to close on the same day as the refinance with XXXX XXXX. They would not agree to close sooner even though my husband and I have been willing to close at any point and could have easily closed by the original rate lock date. I asked XXXX XXXX if they could give me an earlier closing date but they told me XX/XX/2015 was their earliest. I made XXXX aware of this. As a result of the underwriter refusing to close on any date other than the date of the XXXX refiance closing, the rate lock date expired. 

Of note, the next rate lock date sent to me by XXXX XXXX was XX/XX/2015 even though they had already told me that I would have to close on the same day as the XXXX refinance XX/XX/2015. 

I communicated with XXXX XXXX XXXX by email and expressed to her that XXXX should pick up any costs associated with the delay or ask the underwriter to pick up the costs but that my husband and I should not be responsible for additional costs as we were not in control of the closing date. 

She indicated to me that she would discuss with management. After I continued to ask her for a corrected rate lock agreement and loan estimate paperwork she finally gave me information which revealed that they were offering me even higher points ( .375 or {$720.00} ) on my 2.99 % interest and no lender credit of {$480.00}. So now, my additional closing costs have been increased to {$1200.00}. 

This is wrong on every level. It is morally wrong. It is likely illegal. I ca n't believe that consumers can be charged fees for delayed closings when they have no control over the closing date. My husband and I provided timely provision of their documents requests, signatures, etc. The closing was delayed by the underwriters because of their concern about another refinance which added no additional debt to our situation. XXXX in now trying to " close my case ''. I do n't want to close my case. I want to close the refinance loan upon the original terms. They refuse to do the right thing and seem to be enjoying making matters worse by continuing to make the terms of the loan worse and worse for me and my husband. Do I have any recourse or protection as a consumer?
Product: Mortgage

XX/XX/2023 I paid my mortgage and changed my information to my new bank account information. XXXX I went in paid my mortgage, tho my information had changed. A few days later wondered why it was taking so long to clear, realized it was coming from the old account, immediately called amerisave and spoke with a supervisor ( XXXX  is her ID ) she tried to change it but it would not take. She said she will put in a ticket to see why. I paid my mortgage 1 day late online with her and she put my payment through. ( I incurred a {$20.00} late fee ) She said I should hear something. ( I am computer savvy ) I waited and got an email from XXXX ( where they want you to send all the complaints ) I sent an email saying they sent my payment to the wrong account and I needed to be refined for the NSF fee of {$64.00} ( XXXX  ), sent bank statements verifying, it went through twice. and for the {$20.00} late fee. I could not get in their ( safe- XXXX  secure messages ) system when responding to customers, I tried on several occasions but it will not send me the verification email for password change. so I called again. 

XX/XX/XXXX XXXX XXXX   email requesting fees sent detailed information needed. they said it was my fault when supervisor stated it was an issues and confirmed it was not. my fault Send another email XX/XX/XXXX at XXXX and they still said it was my fault. not reading the letter I sent and was guided by their supervisor how to write it.
Product: Student loan

From XX/XX/XXXX to XX/XX/XXXX I attended classes in aviation at XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX  ). When I started I was informed that my private loan had a cap of {$100000.00}. I knew that with this and my federal loan/pell grant i would be able to borrow enough to pay for the full course and housing. Starting XXXX of 2012, I was informed that my private student loan had capped out before I was to start with the last module of training in my flight school and at the same time, I was informed that the university had lost accreditation and I would not be able to finish with them for my XXXX XXXX. When I asked how i had capped out the loan, I was informed that they were combining my private and federal loans together to get to the {$100000.00}, even though I was told in the beginning that it was only the private loan that had that cap. When that happened I had to immediately go back to work since the loan went into immediate repayment. I feel I have been scammed out of my money since there is no way that I can move into the career I was training for and there is no way to continue my degree without starting over completely. I have recently learned that several other people had the same experience around the same time I did. Meaning the lenders knew we would not be able to complete training with the borrowing standards that they had set up.
Product: Checking or savings account

Opened the Account in XXXX Have not been charged a monthly fee until XX/XX/XXXX and XX/XX/XXXX Requested to have both fees refunded and downgrade the account to where I would not be charged Refund request denied Requesting the refund of {$20.00} in service fees as I was not charged them for several years, I don ; t recall being notified of any changes. I also received inaccurate information from the initial agent and needed to be escalated. I request that the tape be pulled and reviewed for validation of my statements.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of XXXXReported Collection from Credit Report Dear XXXX  I am writing to formally request the removal of a collection item that appears on my credit report under account number [ insert account number or reference number ]. The item in question was reported as a self-collection, and I believe it is either inaccurate or improperly reported. 
Details of the Collection Item : Creditor Name : XXXX XXXX Account Number : XXXX Reported Amount : {$1600.00} Date Reported : XX/XX/year> Reason for Removal Request : Not Authorized : The collection was reported without my knowledge Enclosed, you will find [ copies of relevant documents, such as payment receipts, settlement agreements, or correspondence with the creditor ] that support my request for removal. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you : Investigate : Conduct an investigation into the accuracy of the collection item as per the FCRA guidelines. 
Remove or Correct : Remove the collection item from my credit report if it is found to be inaccurate or incorrect. Alternatively, update the report to accurately reflect the status of the debt. 
Confirm Removal : Provide written confirmation that the item has been removed or corrected once the investigation is complete. 
Please notify me of the outcome of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this collection item from my credit report. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my EQUIFAX And XXXX consumer report. Ive filed ID theft already and they have not assisted me properly. The account number for the collection account on EQUIFAX is XXXX. They failed to verify the information prior to adding the information to my consumer report. It is also stated on the account summary that the account is a medical bill and that is also against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX has violated my rights. 



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
Product: Money transfer, virtual currency, or money service

XXXX XXXX routed the sum of {$1700.00} through Citibank which they have been sitting on for several weeks. The fund is a reversal of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I'm the original beneficiary of the fund which XXXX XXXX couldn't apply due to the wrong account type. XXXX XXXX is a website broker and the fund is proceeds from the sale of my website.
Product: Debt collection

To Whom It May Concern : I rented an apartment at the XXXX XXXX  for 2 years and during that time, I CONSTANTLY had to contact the Property Management team about the incorrect charges on my account. 

Some of these charges include : - Wrong Rental Amount - Utility Charges that should not be applied to my account. ( i.e. Gas Charges ) - Unfulfilled Maintenance Requests ( i.e. Mice, Insects ) - Incorrect Fees ( i.e. Late Fees ... I was never late with my rental payment. ) I moved out of the XXXX XXXX  in XX/XX/2018 and left my apartment keys in the kitchen like I was informed by a property representative when I called their phone line. 

I even followed up with the property on XX/XX/2018 to make sure everything was good with my account, but the property manager did not respond to my email. 

5 months later, I'm receiving a call from a debt collector for over {$1300.00} dollars in charges. These charges were completely false and my lawyer sent a scathing email to the property disputing all of the incorrect charges that have been clearly added to try to damage my credit on purpose. 

After receiving my lawyer 's letter, the property sent a revised ledger that removed half of the incorrect charges, even though ALL the charges should have been removed. 

This is important because the property NEVER updated the collections agency of the new balance. The collection agency is still trying to collect the {$1300.00} dollar amount. 

My lawyer has advised me to submit a complaint against the property and sue them in small claims court for damages to my credit and for wrongfully sending false information to credit bureaus in hopes of damaging my personal renting history and credit.
Product: Credit reporting or other personal consumer reports

I received this letter form Equifax stating my dispute was Frivolous. this is absolutely unacceptable and I refuse to let Equifax not do there job. this determination is incorrect, and I have provided the additional need documentation to demonstrate the validity of my dispute. Under the FCRA specifically 15 U.S.C, credit reporting agencies have a LEGAL obligation to conduct a reasonable investigation of consumer disputes, which you clearly have not done. your determination that my dispute is frivolous is UNWARRANTED, Denying a dispute without proper investigation violates the FCRA and disregards your legal obligations.
Product: Debt collection

I am the only person on the debt. XXXX XXXX from NCBI called my husband at work and proceeded to tell him about the debt. He is not on the debt nor is he responsible. We have been having issues and now he is talking about leaving me due to him being contacted, especially at a work number. I am not working nor able to at the moment. She also lied and said she was a representative of XXXX XXXX and kept saying she needed a formal agreement for me to make payments before she could hang up. I want something done. NCBI or NCB Managment can not be trusted. They lie and do whatever they can get by with to get you to pay. Also I never received any paperwork from them.
Product: Credit reporting

EQUIFAX fails to remove the XXXX account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account balance is {$8500.00}. EQUIFAX reports incorrectly that this account is past due {$8500.00}. EQUIFAX reports incorrectly this account Credit Limit is {$7000.00}. EQUIFAX reports incorrectly that the account is over it 's Credit Limit. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the date of first delinquency from the other CRS 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Student loan

I have had issues with Navient ever since they took over my account. Right now, I am not even able to log in and receive information. However, my chief complaints are 1. Refusal to acknowledge option to consolidate away from Navient to XXXX XXXX XXXX requiring me to have XXXX assist me during a call to Navient, in which they still resisted providing the information. 

2. Never providing information on income based repayment, repeatedly forching my into forbearance and deferrals. 

3. Refusal of my application for foregiveness based on my years of XXXX in a XXXX XXXX school. 

If pursuing these is of benefit to me, I will contact NAVIENT and attempt to get the required details from them.
Product: Debt collection

LVNV FUNDING LLC {$920.00} and {$710.00} have been a negative collection on my credit report for quite some time. I had gone through some devastating hardships including identity theft about the time these accounts appeared on my credit report I do not recall any notifications other than collections from several agency 's. I have diligently worked to clear the negative and recover my good credit. I do not know if LVNV still has these accounts, I believe they may have been sold. I am assuming these may be credit card interest due to the amounts appear to be more than any card limits I have had. I don't feel I have enough information to know if these charges are valid.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We just went through a period where we were making extra payments due to my having been out of work earlier this year without pay. Now we are trying to make our normal payment but we ca n't reach anyone at the phone number, they are no longer open after XXXX EST and when calling during normal business hours, no one answers the phone. I 've seen numerous complaints online from other customers as well about the same thing. I 'm afraid that if we ca n't figure this out, we 'll lose the house. I ca n't even make the payment online. The mortgage company is HFC, the phone number is XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

There are XXXX collections being reported to the consumer agencies by Lockhart Morris & Montgomery. Account numbers are XXXX and XXXX. The original creditor is XXXX XXXX XXXX which is a medical provider. On XX/XX/XXXX, I requested documents that established contractual relationship that entitles Lockhart Morris & Montgomery to enforce claims and or collections against me, XXXX XXXX, which has not been provided. I also requested derogatory remarks as a result of this dept be removed from my credit report. To my understanding, as of XX/XX/XXXX, medical dept is no longer allowed to be reported to credit reporting agencies. Derogatory remarks concerning these matters, which are medically related, are harming my credit profile. Please assist in the removal of these collections from my credit report.
Product: Credit card or prepaid card

I filed a dispute with Chase in XX/XX/2019 and was given a temporary credit of {$500.00}. I received a letter from them on XX/XX/2019 informing me the credit was removed because I did not provide additional information after merchant contested. I called Chase the same day and explained I never receive any letter or voice mail requesting any information. I was told to fax a request to Chase to reopen the claim, which I did the next day on XX/XX/2019. I called today on XX/XX/2019 for an update and found out the reopening request was denied since too much time has passed after the merchant 's response. 
It's very disappointing that I was never given the opportunity to respond to the merchant 's response, and I was denied a refund for the unfinished work by the merchant after he signed a contract to perform the job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I noticed inaccurate accounts and information on my credit report and contacted the 3 credit bureaus about it ( XXXX, XXXX, and TransUnion ). I sent letters asking them to validate these accounts and never received anything in the mail or email from this. It has been well over 30 days and I never received any information and the accounts are still on the report. I also sent letters to these three companies to validate this debt or remove them and they still have not been removed. I know that according to the law they have 30 days to validate or delete it. I have not heard from any of the companies. I sent certified letters and copies of my Identification to show that this is me inquiring about my report but nothing. Can you please help with this issue?
Product: Debt collection

I have called and mailed the collection company information that this was not my debt. I have never heard of the doctor/facility listed on the collection item. I have asked for proof of this charge and have never been given anything to show this belongs to me. I have asked the XXXX credit bureaus to remove this as it does not belong to me. I have tried for years and no one has yet to show this is my debt.
Product: Credit card or prepaid card

Discover company closed my credit card due to inactivity.

The account was in good standing and with around {$15000.00} credit line. 
The account was in active since XXXX XXXX. There was not even a single late or missed payment.

Due to the Pandemic, I paid out my pending balances in XX/XX/XXXX and since then kept this credit card as my emergency credit card in case I need to.

I logged in every month into my online portal and it showed me an available credit of {$15000.00}. This was a huge relief for my fami

ly of XXXX kids. However today when i contacted Discover
to reissue new cards for my account, i was startled and shocked to know that they closed my account due to inactivity. Obviously we were using my other credit cards to keep our expenses low during this  pandemic. 
Within 6 months of inactivity during this Pandemic, Discover deactivated my account. 

The fact that i called discover a couple of times, and logged into the online account did not count as activity. Even today when i log in, it shows a credit balance of $ XXXX which leads me to believe my account is active. 

Building a credit to $ XXXX o

n a credit card was a big thing and i was really looking forward to having this account active. Spoke to multiple people in Discover and they all denied reactivating the account and recommended me to open a new account, which would obviously not give me the same credit line that i had.
Product: Debt collection

XXXX XXXX XXXX XXXX is a company providing respiratory equipment to Patients. 

Based on your description, it appears that I have been a victim of fraudulent billing practices by XXXX XXXX XXXX XXXX. As a retired physician with expertise in medical billing and collections, I am well-positioned to recognize and report such fraudulent activities. 

A fair resolution to this issue would be for XXXX XXXX XXXX XXXX to immediately cease all billing and debt collection activities related to My account and to remove any negative marks on my credit report. Additionally, the company should be thoroughly investigated for XXXX fraud and, if found guilty, should be banned from future participation in XXXX and healthcare insurance programs. 

I should also consider reporting the company 's fraudulent activities to the appropriate authorities, such as the XXXX for XXXX and XXXX XXXX ( XXXX ) and the Department XXXX XXXX and XXXX XXXX ( XXXX ), as well as filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). By doing so, you can help prevent others from falling victim to these fraudulent practices.