23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was in the hospital last year for two month dealing with mental health issues. I let Bridgecrest know I was in the hospital. I told them several times. They called everyday. Obviously cause I was late. I told them I didnt know how long I was gon na be in the hospital. Im a veteran so I going through a XXXX program. Near the end of my program they sent me deferment contract to defer the three months. I was late on. I missed XXXX, XXXX, XXXX. So a deferment pushs those payments to the end of my loan. I signed the deferment contract on XX/XX/year> after I signed they hit my credit report with two 30 day late payments. For the months that I deferred. Now how can that be if I deferred the payments to end of my loan. You can be late on something you dont have a payment for. Their policy with Bridgecrest is 45days your late. I was able to get the one removed. But they will not remove the one for XXXX. Tell me how Im 30days late on a deferment contract. For payments that were moved to the end of my loan. Even if I was 45 days late for XXXX. My payments are due on the XXXX of every month. So signing the contract on the XXXX of XXXX would still not make me late. They refuse to do anything about. I reported it to the XXXX. They said they cant do anything. This is a legal binding document. On top I am being charged over 24 % APR the state max is 18 %.
Product: Mortgage

Last XXXX my home loan was sold to a company called Loancare and as soon as it was sold I received a delinquent notice and a late fee saying that I did not pay my XXXX payment when I did in fact pay it to the previous provider, XXXX. I then contacted my previous provider and they said and sent me proof that I paid my XXXX loan statement which I then forwarded to Loancare to hopefully resolve the issue and find the missing payment. I also sent Loancare copies of my bank statements to show that the money did indeed come out of my account and was not returned to me. Since XXXX I have called dozens of times trying to figure out where this missing payment is and what I can do to help and everytime I call I get generic answers like, " we will escalate the problem '', " we are waiting for the previous provider to respond '', or ( my favorite ) " I see the information you sent us but no actions have been taken yet. '' Right now I am on the second or third attempt of Loancare " contacting my previous provider '' but after doing this for months and never receiving a single call back from a supervisor or making any progress I need to find a new method to try to finally get this missing payment taken care of.
Product: Checking or savings account

XX/XX/year> - I sent a check through the Chime app for {$4000.00} directly to my dad XXXX XXXX. 

Dad received check via mail with my name as the Payer but with an address and account number for XXXX XXXX XXXX. Check was from XXXX XXXX XXXX. 

Dad deposited check in person at XXXX XXXX in XXXX GA. 

XX/XX/year> XXXX  XXXX XXXX returned the check as fraudulent, altered or fictitious XX/XX/year> I called Chime customer service. After several hours on the phone and escalating the matter as high as I could go before being suddenly disconnected, I was repeatedly told they show that the check had been cashed, that nothing was wrong with the check and there was nothing they could do. 

XX/XX/year> After waiting to see if the returned check would eventually be reflected in my Chime account, I went to XXXX  XXXX XXXX since the check was written from a XXXX XXXX XXXX account. They would not tell me any more information because the account number on the check was for a XXXX XXXX XXXX business account and my name is not listed on that account. 

XX/XX/year> I called Chime again and after fighting for XXXX hours finally was told they would escalate my concerns to the internal team but that there was no guarantee on a timeline. I received no confirmation email that this was done. 

XX/XX/year> the {$4000.00} for the returned check has not been returned to my account. I have not heard anything from anyone at Chime or XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX year old daughter 's SSN has been stolen. Someone has been attempting to use it and has used it for the last year and a half. They have purchased a car and taken out a loan. It is almost impossible for me to do anything about the problem. The credit bureaus make it extremely difficult to correct the problems or even freeze her credit. They want me to send all of her ( and my ) SS cards, birth certificates and my drivers license through the U.S. postal service to a P.O. box before they will even talk to me. So if someone didn't already have all of her information they probably will now that I have to send copies of it to 3 different bureaus through the mail. It is absolutely ridiculous!! In the meantime, criminals are spending away. And the amount of time I have spent on this issue is absurd. The laws have to be changed so that they aren't in the criminals favor. It's too easy for them and too hard for parents. Thank you.
Product: Debt collection

This company MBA LAW also known The Law Offices of Mitchell D. Bluhm & Associates Called me with treats and curse words and when I ask them about debt that they were implying about.I asked them to mail out to me so that I can verify it.They said that they would mail it out and they never did.They called back from a different number cursing and treating me once again then told me that they can email it to me.All I said is that I am not aware of this debt and that I needed more information .I gave them my email address and they said that they would email it to me.they never did .Today XX/XX/2020 was the first time it was emailed after they cursed and said derogatory things constantly to me and the email that they sent needs a password to open up .How does a company get the right to harass and torment people like that .I was even told No that they are not emailing me anymore because they sent it already.They never sent it until today. They are rude nasty and down right despicable to people .and I still do not even know what the bill is .I have XXXX, and I am afraid to answer my phone because they call from different numbers all the time treating me cursing and teasing me of my accent, RIGHT TO DISPUTE THE DEBT : Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor. The debt collector must stop all debt collection activities until it can verify the debt. 

RIGHT TO VERIFY THE DEBT : A debt collector verifies the debt by giving you enough information about the debt so that you can tell whether you actually owe it. The type of information that must be provided changes depending on your specific circumstances. 

In most cases, verification should include, at minimum : the amount of the debt, the date of the debt, and the name and contact information of the original creditor. 
If you contest the debt on grounds of identity theft or mistaken identity, verification should include a copy of the original signed contract or note. 
If you contest the amount of the debt, verification should include information about payments made, and interest and fees charged and/or waived.
Product: Credit card or prepaid card

I have tried to make my payment with Chase several times but they processed my payment incorrectly. Then, out of the blue I was notified that I was past due on both cards. Nobody ever let me know the status. In addition, they call customers using blocked numbers and have agents leave rude messages with account information disclosed that I will play on social media. They use deceptive phone practices and their agents are rude and hang up on me when trying to pay. I want both of these credit cards off my credit NOW ...
Product: Mortgage

My house was flooded during Hurricane Harvey. The mortgage on this house was held by Wells Fargo. Shortly after the flood I received a package of information from Wells Fargo outlining my options. One of those options was to use the insurance settlement to pay off my mortgage. Because of the amount of damage to my house I am not able to repair it without substantial additional costs so I chose the option of paying off the mortgage which would then allow me to purchase a new house with another mortgage company. I called Wells Fargo and talked to XXXX XXXX and he went over the process. He thought the process would take a few days. I received the check from the insurance company on XXXX XXXX and again called Wells Fargo but did not write down the lady 's name. She told me to take the check to a Wells Fargo branch office, endorse the check and have them overnight the check to their mortgage department. I went into their branch office on XXXX in XXXX and worked with XXXX XXXX, she did agree to overnight the check and had someone call me later in the day to confirm it had been done. I called Wells Fargo on XXXX XXXX to make sure the check had been received and talked to XXXX, XXXX and XXXX and they said the check was not in their system yet. XXXX agreed to call me the following day with an update but she never did. I called Wells Fargo again on XXXX XXXX and talked to XXXX, and XXXX XXXX and they said the check was not there but XXXX assured me he would call the following day no later than XXXX eastern time with an update one way or another. He has never called. I called again and talked to XXXX, XXXX XXXX and XXXX XXXX to escalate the issue. On XXXX XXXX I called the main corporate number in XXXX XXXX, XXXX and requested to talk to XXXX XXXX XXXX but instead they sent me to the executive escalations group where I talked to XXXX and XXXX and they confirmed a case had been opened and I should hear from someone within 24 - 48 hours. On XXXX XXXX XXXX called to let me know that my case had been assigned to XXXX XXXX and he would call me within 24 - 48 hours. I talked to XXXX several times but all I really got from him was Wells Fargo processes and the time they were allowed to complete the task which was normally 24 - 48 hours. On XXXX XXXX I saw the funds posted to my account but not applied to the loan. I called XXXX again and he said that I would need to talk to the Property Loss Department to find out how long it would take to complete the transfer of funds. I called them and talk to XXXX and she said they needed a revised payoff quote which could take 24 hours. I went online and created the quote and per XXXX I faxed it to them. I then called the property loss department after a few hours to be sure they received it and talked to XXXX XXXX. She said it was not in my file but it could take 24 hours to show up. The closing on my new house was suppose to take place XXXX XXXX but it has been delayed pending this pay off confirmation. The contract expires XXXX XXXX, if I have not closed by that date I potentially loose all of the money I have spent to date, including the escrow money, inspection fees and appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX  Dispute Department, XX/XX/XXXX Re : Dispute claims from Creditor : XXXX XXXX XXXX and XXXX XXXX. 
Report number : Date Generated : XX/XX/XXXX XXXX XXXX. 
Amount : {$110.00} Dear People, This is a complaint against XXXX XXXX XXXX and XXXX XXXX under the federal Fair Debt Collection Practices Act. We allege abusive and deceptive practices. 

For services performed on XXXX XXXX and XX/XX/XXXX0 in XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) has failed to invoice me. To this day they have never sent me a bill for their services. 

Nor did I receive the usual Explanation of Benefit from my insurance company, XXXX XXXX and XXXX ( XXXX ), regarding my co-pay to XXXX. 

The first bill I received was from a collection agency, XXXX XXXX which didn't tell me that I was to be charged daily interest and nor would it report me to credit burau as the case in dispute. 

XX/XX/2020, when I again called XXXX about co-pay to XXXX, insurance agent XXXX again told me there were no claims from XXXX. XXXX called XXXX while I was waiting on line. XXXX at XXXX acknowledged to XXXX XXXX XXXX, that XXXX had made claims to a wrong address. She promised to resubmit claims to XXXX and to bill me. She also agreed to tell collection agency not to pursue actions against me. Taking XXXX 's words, XXXX told me to disregard the bills from collection agency and wait for XXXX bills. However, XXXX didn't take actions as promised. 

XX/XX/2020, I called XXXX to request the claims from XXXX  in writing. XXXX tried to contact XXXX unsuccessfully. I requested a complaint letter to XXXX. 

XX/XX/XXXX, I called XXXX regarding the reply to my complaint letter. There were five separate charges from XXXX  which were confusing, since I have never seen these numbers before. I waited for XXXX itemized bills until XXXX XXXX. 

XXXX XXXX, XXXX automated phone message indicated my balance was five dollars. I spoke to XXXX @ XXXX billing department, who indicated that the balance was {$270.00}. I offered to pay the balance, but XXXX said she would not take credit card payment, I needed to pay in some form of cash. To use credit card, I need to deal with collection agency, XXXX. 

No useful discussion has been possible with the collection agency. They want all the money they can get. 

XXXX XXXX Solutions made a number of mistakes. I was caught in the middle of the mess XXXX made. It is XXXX ' responsibility to resolve this issue for me. I am willing to pay {$270.00}, with no additional fees, nor interest. 

I didn't learn about the itemized bills until XX/XX/XXXX, when XXXX answered my complaint. To this day, I still have not gotten any itemized bills in writing from XXXX. 

In the middle of the pandemic, many things have gone wrong. It is unfair for any business to ignore the facts, especially its own mistakes. 

Sincerely, Copy to : XXXX XXXX XXXX XXXX XXXX. 
FTC
Product: Mortgage

I received a Notice of Servicing Transfer from XXXX XXXX XXXX on XX/XX/2020, notifying me that future mortgage payments should be made to Shellpoint Mortgage Servicing. On XX/XX/2020, my mortgage payment of {$4500.00} was tendered to, and accepted by, Shellpoint. Since that date, Shellpoint has refused to credit my account with the payment. I have called, engaged in an online chat and sent six ( 6 ) emails with proof of payment to the company. However, they will not apply my payment and now show my account in arrears. In addition, Shellpoint has now contacted XXXX claiming that our payment has not been made. I am at a loss. Shellpoint has been absolutely unprofessional, unethical and unhelpful regarding this situation.
Product: Credit card or prepaid card

I went to JC Penny to make a purchase and the sales representative asked me if I wanted to sign up for a rewards card to save 30 % off my purchase to which I agreed. She asked me for my information including my social security number to input my information into the system. I literally just turned XXXX a week and a half before visiting this store and had no idea she was signing me up for a credit card. She never once mentioned that Id be signing up for a credit card and that shed be checking my credit. I used my debit card to pay for my purchase, as I had no reason to believe I now had a store credit card. Rightfully so, I assumed that I received the discount because of the rewards card I signed up for. Fast forward I received a JC Penny store credit card in the mail and I checked my credit to see that I now have a hard inquiry on my account along with a credit card. This is fraud, as I was mislead into opening a credit card due to my age. I never agreed to have my credit checked and never agreed to open a credit card. The sales representative lied to me by saying that I am signing up for a rewards card and did not alert me that I was signing up for a credit card. A rewards card and a credit card are two completely different things. I want this account closed and removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about these inquiries. 
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 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 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 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 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
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. On XX/XX/XXXX, I initiated contact with Equifax to address inaccuracies on my credit report. Despite my efforts, I have not received a response from Equifax as of today 's date. I am writing to bring to your attention the following discrepancies and to seek your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account ( Account # : [ Your Account Number ], Date Opened : XX/XX/XXXX, Balance : {$520.00} ) : Dispute : I disagree with the reported balance of {$520.00}, as I recall the amount being lower. 
Request : Please delete the information concerning the Past Due amount, as this account is closed and charged-off.

Action Requested : Kindly mark this account as disputed to prevent any adverse effects on my credit score. 

XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : XXXX  ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00}, Original Creditor : XXXX  ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$410.00}, Original Creditor : XXXX  ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXX XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report.
Product: Mortgage

XX/XX/year> Navy Federal Credit Union failed to provide a proper receipt and co mingled funds in a MORTGAGE Equity LOC Payment however the payment was clearly marked .private.special deposit.entrust. The amount was $ {$1700.00} united states dollars with || through the XXXX indicating $ $ real united states dollars, not Federal Reserve Debt Notes which cant pay anything. The receipt only showed {$1700.00} not the $ {$1700.00} real united states dollars to pay in full the alleged mortgage. The payment was marked Account Paid in Full and was confirmed by the Navy Federal Credit Union Bank Teller at Kentucky. 

The receipt shows an unnamed Mortgage Equity LOC Payment. We do not have a Mortgage Equity LOC. This failure to properly identify the source and use of funds is a violation of GAAP Generally Accepted Accounting Principals, and allows money laundering. 

The only reason that we deposited funds to a mortgage account was to confirm for the FIFTH time that the ACCOUNT IS PAID IN FULL and per Uniform Commercial Code, the Account was Paid in Full. Navy Federal Credit Union failed to provide the Settlement Documents.
Product: Checking or savings account

My account has been restricted by SOFI bank since XXXX of XXXX after I made an ACH transfer from my other financial institution which my name aligns correctly on both accounts. They restricted my account with a balance of {$5000.00}. I have reached out to their customer service multiple times as instructed but they never give me a valid time frame when the restrictions will be lifted nor tell me why they decided to restrict my account.