23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was just transferred to Freedom Mortgage XXXX XXXX, the letter we received stated we needed to send payments beginning XXXX XXXX to them. I had scheduled our mortgage payment through our old lender already and could not be cancelled. 

I contacted both XXXX XXXX and Freedom Mortgage immediately to inform them that the payment had been sent to XXXX. Both XXXX and Freedom informed us that we had a 60 day grace period for XXXX to send the payment and that it was no problem at all. 

We are getting daily calls and multiple letters in the mail from Freedom telling us that we are late. We have now received a packet from Freedom asking for all of our financial information, ways telling us all the different ways to avoid foreclosure, a Uniform Borrower Assistance Form. 

We are completely up to date on payments, there is no reason a mortgage company should be able to foreclose on us. Freedom refuses to contact the company to work with them to get their money. It is completely up to us to figure out how to get XXXX to give Freedom the payment we sent, otherwise, we are going to have this go on our credit and possibly lose our house- over being up to date on our mortgage payments.
Product: Credit reporting or other personal consumer reports

I am writing to you about account ( XXXX XXXX XXXX XX/XX/year> ) because of the significant number of inaccuracies in this account, I believe it can not be properly corrected within the reasonable parameters of the Fair Credit Reporting Act. As a result, I am requesting that this account be deleted from my credit report entirely, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates the removal of disputed information that can not be verified or that contains multiple inaccuracies.

The continued reporting of this account, with its numerous errors, is a violation of my rights under the FCRA, and I request that it be removed in accordance with the law. The missing dates make the account incomplete or inaccurate, violating the FCRAs requirements for accuracy and completeness.

Under 15 U.S.C. 1681i ( a ), credit bureaus are obligated to conduct a reasonable investigation of disputed items, and if the information is found to be inaccurate or unverifiable, it must be corrected or deleted. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit bureaus ensure they report accurate and complete information. Given the volume of discrepancies within this account, I assert that the only appropriate remedy is the deletion of the account from my credit file.

Due to the missing dates and the resulting incomplete information, I am requesting that this account be deleted from my credit report, as this violates the accuracy requirements of the Fair Credit Reporting Act ( FCRA ). If the missing data can not be provided or verified, the account should be removed in accordance with 15 U.S.C. 1681i ( a ). 

Account XXXX XXXX opened XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX hrs I contacted American Express by telephone. I was cleared through there automated system. Last 4 SSN, etc. Choose the option lost or stolen card. Was transferred to a robot who advised that the card was lost and that they would stop any further transactions and that I would not be responsible. Verified my address, and said that my new card is going to be delivered on XX/XX/XXXX. Is that ok? I said yes. 

On XX/XX/XXXX at XXXX hrs, I received an email notification that a Large Purchase has been approved. I looked and a charge for {$530.00} for Travel had been made. At XXXX hrs, I contacted Amex by phone. Asked to be connected to Fraud and then I spoke with a CSR named XXXX. Explained the situation and he says that there is no record of a replacement card going out. I explained to him that I spoke with the robot, and was to receive the card by XX/XX/XXXX. Went over the part where it asked me if it was ok to receive by XX/XX/XXXX. He said there must have been a " Technical Glitch '' but that he would stop the card and have a replacement. I explained to him that I would like to escalate the situation to a supervisor, which will call me back in the priority that they receive the request. Within 24 hrs. 

So my complaint is this. I spoke with a robot on XXXX at XXXX hrs and cancel the card as lost and give an ok to receive by XXXX. The procedure is broken with the robot not fulfilling the request that I made to cancel and reissue. This isn't the technical glitch that a cardholder should have to tolerate.
Product: Mortgage

I am a XXXX XXXX  veteran and underwent major service connected XXXX XXXX in Spring XX/XX/XXXX. During this time my mortgage company, M & T Bank, were persistently attempting to convince me to refinance my mortgage. Against my better judgment I did so with the one goal of decreasing the monthly financial burden for my family while I was laid up from my XXXX XXXX. However, during the refinance process my mortgage lender failed miserably to accurately prorate my escrow payments needed for the upcoming year. Even though my mortgage company was aware of these mistakes in the months after, they did not inform me, nor reflect on statements until almost 8 months after the refinance was completed. At this time when they finally notified me, they had allowed my escrow to go several thousands dollars in the negative. Also this entire time no balance or account issues were being recorded as to what was happening on monthly and daily statements. All of these events led to my mortgage company giving me three weeks to come up with around {$500.00} a month extra in order to remain in my house with my family. I immediately contacted them and try to find out what happened. Once it was finally in the open of their massive failure in customer service, they refused whole-heartedly to even attempt in making this situation partially manageable for my family and myself. Instead my mortgage company offered zero assistance and instead only worsen the situation by being extremely rude and unprofessional while telling me that my family must Figure something out or else we wont have a house to live in anymore. A brief history, I purchased the house as a VA home loan in XX/XX/XXXX and have lived here since. I have always been able to pay my bills and not once ever put my family into a position where I could not afford the basics. In fact the only times in which I could not afford the monthly expenses was during this situation. This situation has produced and evolved solely from my mortgage companys disgusting sense of customer service and shallow pit of selfishness and greed. All while doing so without disregard of my wife and children. I have always been able to afford my house and there shouldnt be a reason that I cant now. However with my mortgage company putting me in this position financially, then finally over a year later, informing me they are DENYING any assistance for me my family and a chance of staying at our house. I was too sick to continue the phone call and requested them call me in a couple days. I simply do not know what else to do as everyone I have reached out to since XX/XX/XXXX when this began all I have been told is that theres nothing I can do. All I know is I fought a war for my country and in many cases I continue to fight that same war on a daily basis. I dont know how to feel when I am told they can not be held accountable. I have a hard time distinguishing between terrorists and my mortgage company seeing how they were allowed to XXXX and pillage my home and family while all I could do was stand here. I have never felt so helpless and weak.
Product: Mortgage

Wells Fargo Bank has denied inaccurate tax payments, but they have yet to send a statement showing that due to the Property Tax Over Payments, there are no property taxes owed. This is just another example of the ineptitude of Wells Fargo Bank Home Mortgage. They are still missing XXXX payment history and payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They insist that the loan is not paid full but can not show the same amount owed in any of their records. Their record keeping is not accurate. The interest on the loan is wrong. They claim {$7000.00} in interest, but only report {$100.00} to the IRS. The IRS needs to do an investigation into Wells Fargo Bank Home mortgage. Again, another Wells Fargo Bank employee was convicted of giving out mortgage loan account numbers. This is an ongoing problem with Wells Fargo Bank. Wells Fargo Bank employee gave my mortgage loan account information to a known mortgage fraud criminal at the XXXX, TX location and Wells Fargo Bank has done nothing to correct this matter. Wells Fargo Bank, XXXX, TX location gave out loans using my mortgage as collateral and insists that I am responsible for this criminal activity. Wells Fargo needs to correct their records and give me my deed, if they can find it, immediately. The mortgage loan is paid in full.
Product: Mortgage

On XX/XX/XXXX I applied for an FHA mortgage with an exception request and was denied. I was told by my mortgage broker.. '' it had not been enough time ''. 

In the exception request we explained in XX/XX/XXXX my previous home had been foreclosed on. At that time, Citi Mortgage failed remove my name from the deed. I worked tirelessly for approximately 18 months after the foreclosure date to have my name removed with no luck. I finally gave up as I could not afford to pay an attorney to continue to fight this battle for me. 

All the North Carolina state documents confirming the XX/XX/XXXX foreclosure had been attached to the request. 

I have clearly already waited the full 3 year waiting period and now am being told I must wait the full 3 years again. At that point I will have waited well beyond the required waiting period. 

This is not acceptable.
Product: Student loan

I have 2 student loans with AidVantage. The debt forgiven and discharged as part of the XXXX XXXX XXXX XXXXXXXX discharge and is carrying a negative balance. That balance needs to be refunded. I've been told by AidVantage that it can take up to 7 months. It has now been over a year, with no explanation.
Product: Debt collection

Was contacted by bc services for a medical debt. I requested invoices so I could make sure it was mine. Never received anything from them till I received a court summons that they were suing me. Tried to set up payment plan with them and they would not work with what I could afford.
Product: Consumer Loan

On XX/XX/XXXX I called Toyota Motorcredit in reference to an auto loan that I had defaulted on. Prior to my default, I had made consistent payments for approximately 30 out of the 60 month loan agreement. I had a house fire XX/XX/XXXX that claimed my home that I was currently renting as well as all of my familys personal belongings. We left what was left of the home with the clothes on our backs. My daughter XXXX and was admitted to XXXX Hospital for XXXX. This incident made XXXX XXXX XXXX XXXX ( PA ). On XX/XX/XXXX, Tragedy struck yet again.. I was traveling XXXX in XXXX County, PA when I was XXXX ... the end result ... XXXX..Thankfully everyone walked away with XXXX due to the fact that I maintained a safe speed during the accident. Insurance company was going to total the vehicle, After explaining that I was unemployed and currently recieving unemployment, they made the decision to repair the vehicle under the stipulation that 1 ) They pay for 30 days of rental coverage and anything thereafter, I would be responsible. This is when all of my financial troubles began. I did infact hide the car because it was all I had left. My intention was always to pay for my car..but when one month turned into three ... then six ... etc ... I was just too far behind to catch up on my payments which were {$530.00} monthly. At the time I purchased this car I was employed with XXXX XXXX XXXX and made almost {$20.00} hourly so it was affordable ... until I lost my job. XX/XX/XXXX, I used a combination of my school refund check ( XXXX University ) and my income tax from a XXXX. When I made the phone call to Toyota, I was transferred to a different department where I spoke to a female named XXXX, I was never informed that the vehicle had been charged off. She asked how much money I had and I told her XXXX ... We agreed on that amount being sent via XXXX to settle the debt. I was offered the settlement via phone and now it is not being honored. My credit Report reflects that I still owe {$1900.00} and they are refusing to release then title of the vehicle to me. I also was not given the mini-miranda. I need my settlement to be honored and my title to be released to me. I made XXXX % of my payments to Toyota via XXXX and have ALL of my receipts including the final of XXXX. However that payment was split into XXXX as I was advised by the representative that I spoke with to do XXXX for $ XXXX and XXXX right after for $ XXXX. I did exactly what was asked of me to no avail of them holding up their end of the settlement deal. This debt reflects on my CR as a " charge off '' and does not reflect the $ XXXX payment that they recieved on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNTS ON MY CREDIT REPORT. THESE ILLEGAL ACCOUNTS ARE NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED TRANSUNION ABOUT THESE ACCOUNTS NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THESE ACCOUNTS. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THIS ACCOUNT DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF TRANSUNION CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED STRESS THEY HAVE CAUSED ME
Product: Credit reporting or other personal consumer reports

Transunion and XXXX. have been reporting charge accounts and collections negatively which are not mine. identity theft report has been submitted to all 3-credit bureau as well as several letters have been sent asking for them to proof that the accounts are mine, and however they have still not provided any type of proof. XXXX was the only credit bureau who erased all the negative accounts disputed as result of identity theft. on the other side TransUnion and XXXX just deny the dispute without providing any evidence. my credit went from being 750 to now in the low 500. this has really caused myself and my family a really hard time financially. I ask that you please help me with this matter and hopefully this nightmare comes to an end.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$1500.00} I DONT RECOGNIZE THESE INQUIRIESXXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown thing on my credit report. on this day over 60days later i have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigates these items within 30 days given reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has cause my family. furthermore my information was impacted by the XXXX XXXX XXXX which may have resulted my information to be in the hands of the wrong person.
Product: Credit card or prepaid card

Synchrony Financial for 5 years charged me almost a combine {$9000.00} in credit card insurance fees. After I figure the issue out they I approached the bank and they returned the money without interest. However, Synchrony Financial removed money from my payments over a 5 year period. Money that should have gone to paying off the principle of my debt. By doing this SF profited off of the misappropriation of my payments somewhere in the amount of {$6000.00}. So while SF was holding money that belonged to me they were simultaneously charged me interest. When I approached Synchrony Financial regarding this issue they paid off the remaining balance of the credit card of XXXX. Then after all that they sent me a XXXX Cancellation of Debt. Never, not once was there any mention of discharge of my debt rather that SF would return a small portion of the money they essentially stole from me by paying the remaining balance of my card. 

I have all the calculation when you are ready to see them..
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account name:  XXXXXXXX XXXX XXXX XXXX  

UNAUTHORIZED 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
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX for XXXX plus or minus the taxes and all that. There is a line in the contract that states the interest rate is negotiable. Now that is unfair and deceptive tactics because Carvana will not allow you to adjust it. And this contract is held in Va and the law states the interest rate can not exceed 12 %. My loan at the time of contract was Carvana LLC an online car delearship that is funding the loan. They are not a finance company nor are they bank or saving institution which would allow more interest over 12 %. They try to get around this because as soon you sign the contract they then initiate another transaction and sell your loan to XXXX that services the loan. And holds the title yet Carvana LLC is the lien hold holder. These are two separate entities. Furthermore they are giving kickback from XXXX  to Carvana. Which is not disclosed on how much which is required. This loan is null and void if they do not adjust the interest rate to legal limits.
Product: Credit card or prepaid card

Applied and rece ived First Progress Card. Init ial  XXXX  paid by Bank card on  XXXX   XXXX    XXXX  . Paid remaining Bank balance of  XXXX  on  XXXX   XXXX    XXXX  .    Contacted First Progress  at  XXXX   XXXX   XXXX   XXXX  to ask for refund of my  XXXX  and to cancel the new card, I was instructed that I would only receive  XXXX  due to they ca n't find the initial payment on  XXXX   XXXX .   Both transactions are clearly on my bank statement which I have sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act XXXX  Account, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, have 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 : A consumer reporting agency can not furnish an account without my written instructions. These two XXXX XXXX accounts are showing late payments That are hurting my credit scores
Product: Credit card or prepaid card

I used my Bank of America credit card to pay XXXX XXXX XXXX {$2900.00}. to ship my vehicle from XXXX in XXXX, MO. to XXXX XXXX in XXXX, Az. XXXX XXXX said my delivery pick up dates were XX/XX/XXXX and XX/XX/XXXX XXXX for my XXXX XXXX XXXX XXXX XXXX  called me around XXXX XX/XX/XXXX XXXX claiming a truck was available to pick up my vehicle. XXXX XXXX was unable to provide the truck drivers name and then said they can pick the vehicle up the next day XX/XX/XXXX. XXXX XXXX never provided the truck drivers name and I called XXXX on XX/XX/XXXX at XXXX and confirmed no one had tried to pick up my vehicle. I asked for a refund and XXXX XXXX said they would provide a refund. To date XXXX XXXX has not provided a refund but instead wants to ship my vehicle. Since it is three months later and my vehicle is repaired I don't need to ship my vehicle to XXXX, Arizona so I would like a refund for service XXXX XXXX never provided.
Product: Debt collection

I have contacted the collection company and XXXX disputing this debt many, many times. I have requested information under FCRA, asking XXXX to provide me with proof and documentation of their verification process, and also I have requested the collection agency to provide me with documentation bearing my signature showing This debt belongs to me with an agreement, signed showing I supposedly owe this money. All attempts have failed. This collection agency and hospital has also violated my rights Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I have requested proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please also be advised that this complaint is not only a formal dispute, but a request that they cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
I require compliance and a response to this compliant, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time- barred as well as in violation of state medical privacy rules. 
I also hereby reserve my right to take private civil action against the hospital and collection agency to recover damages.
Product: Credit card or prepaid card

Didnt know of this card when it showed on my credit report.. I took care of the debt anyway..
Product: Credit card or prepaid card

I recently requested a credit line increase on Discover Card # XXXX and was declined, despite my excellent credit history. Discover sent a form letter ( attached ) that listed the reason for the denial as " status of existing / prior Discover Card account ''. I called the Credit Operations department on the letter and was told that the issue is an prior account that was charged off in 2011 XXXX XXXX ). This card had unauthorized charges in 2011 while I was overseas. I requested an investigation, which Discover refused to do, instead offering me a compromise of a the current card account and telling me that the 2011 matter would be removed from my internal history. Now Discover is telling me that this was not removed, my current account is still flagged for the previous account, and that they refuse to investigate the 2011 matter as being too old and the amount being too small ( {$500.00} ). I have been denied credit due to Discover refusing or neglecting to retain records and fully investigate the 2011 matter, or to remove the negative notation.