23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Ditech along with XXXX XXXX XXXX gave a loan against a house that we both owned. I was not living in the state and had no idea that he was given the loan and that XXXX XXXX XXXX insured the loan. They both knew there were 2 people on the title and they just went about taking my name off the title and insuring the loan. I have documentation on what happened. My brother defaulted and the proceeded to try and take my home. I live here with my XXXX year old mother. This mess caused me to suffer financially, physically, mentally and emotionally. It took me almost 4 years to take care of this issue and refinance my home. There was a 1st mortgage and the lawyers lied and said there was no 1st mortgage. The lawyers for Ditech also sent paperwork to my old tenants that included the title of the home, who we purchased it from in XXXX, who we received the loan from and all personal information that should not have been sent to these people. I took the package from them and have it in my possession. With this they stopped paying rent and I needed to hire another lawyer to evict them, they destroyed the apartment ( it took 1 year to fix it ) and they stole my credit card and tried to buy items from XXXX XXXX for their new apartment. The apartment had 60 holes, water damage that if anyone walked on the floor they would have fell through the ceiling, the smell was horrible and just everything broken. No one would help me or listen to me. I hired lawyers who just took my money and did nothing. They were supposed to get a modification and after 2 years of paying {$900.00} a month I got a call that said they denied it. No proper paperwork as to why just a call.
Product: Debt collection

XXXX XXXX XXXX has been attempting to collect a voided debt from XXXX Credit Card for years. They called my in-laws in XX/XX/XXXX. Today,XX/XX/XXXX, they called at XXXX XXXX. and would not tell me who they were because I wouldnt verify my social security number and address. I hung up and would like this nonsense to stop. The debt it no more, yet they still contact me and my family members.
Product: Mortgage

Suntrust Mortgage provides a horrible level of customer service. My mortgage loan was sold to Suntrust through no choice of my own. I have been trying to make an online account for almost two weeks, since THEY ( Suntrust ) changed their website, and my old login no longer works. When I try to create the new account, I receive an error message stating, This service is temporarily unavailable. Two weeks is more than temporarily. When I try to call, I am consistently on hold for OVER FORTY MINUTES!! The main reason for my call is that my autodraft amount has changed against my will. I have previously requested that an extra amount be drafted each month. This extra amount has not been drafted since Suntrust has changed their system/website. This change is going to cost me more over the life of my loan, through no fault of my own. In the past, Suntrust has also erroneously reported on my credit report. If anyone reading this has any choice in the matter, DO NOT ALLOW SUNTRUST TO SERVICE YOUR MORTGAGE LOAN. I wish my loan could be transferred to another servicer, and that these inadequate service levels would not be tolerated in the industry.
Product: Credit card

On XX/XX/2023, while I was on XXXX  out of the country, Bank Of America authorized a charge on my credit card worth up to {$7600.00} USD. Bank of America failed to flag the charge as suspicious and allowed the charge. Upon checking my banking app, that is when i noticed the charges. I did not have the time to deny the charge but they authorized the charge without my informed consent. When I disputed the transaction they were only able to return {$3000.00} of the charge. The charges are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX amounting to {$1700.00} and XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00}. When I attempted to dispute the remaining transactions to Bank of America, I was told it was a legitimate charge. During the time of purchase, I was in fact not in the country at the time, I will attach proof that I was not in the United States on the months of XX/XX/2023 to XX/XX/2023. Bank of America sent me documentation containing the details of the purchase, in the documents it states that purchase IP address is located in XXXX XXXX, Connecticut ; knowing this information it is certain I was not the one who made the charges since I was on holiday. Despite my efforts Bank of America will not cancel the remaining charges or give me my money back. Bank of America failed to protect me against fraud of up to a total of {$7600.00} USD before disputing a few charges ; which has also ruined my XXXX XXXX.
Product: Mortgage

I attempted to refinance with Quicken Loans, after 4 months my application seem to be stalled somewhere within the company. 

After a lot of fighting, I am presented with a redisclosure packet that has terms that are not even remotely close to the terms originally offered - points added, lender credits removed, closing costs not paid by lender - despite having perfect XXXX credit, more than 60 % equity in my home, and {$250000.00} in annual income backing a $ XXXX loan. 

I believe they are in violation of 12 CFR 202.9 of the ECOA, due to not notifying me of an adverse action for 30 days, along with various portions of TRID, due to removing lender credits without giving a specific reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by TransUnion. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Mortgage

I was under contract with a home that was foreclosed on by Vanderbilt Mortgage. I was preapproved for the contract price of {$110000.00}. My Lender obtained an FHA appraisal for my purchase of the property. The FHA appraisal came in for {$88000.00}. After XXXX extensions to my due diligence contract the asset Manager notified their selling agent and my buyers agent that they were canceling the contract and removing the home from the market since the appraisal came in so low, and I was told that the property would be removed from the market. I just saw the property listed for sale and called XXXX number listed. They are attempting to sell and finance a home that appraised less than 30 days ago for {$88000.00} for {$110000.00}. That is {$31000.00} upside down in this property and should be considered predatory lending. Mortgage and Real Estate professionals in North Carolina are to be held accountable for everything they do, Vanderbilt Mortgage needs to be held accountable for Predatory Lending Practices.
Product: Credit reporting or other personal consumer reports

I have been working on my credit since XXXX of XXXX I have made progress with paying on time and even getting a secure credit card I even got approved for an additional credit card because of timely payments I also have a car note and which I have been paying on time for an entire year as well as a mortgage payment that I have been paying on time also for an entire year in XXXXXXXX XXXX XXXXXXXX my lender did a hard pull for a mortgage loan and the score was rather low I continue to work on that credit score 4 months later my score has not increased in spite of the two credit cards that I paid on time in spite of the car note that I paid on time in spite of the mortgage that I pay on time my credit score has not changed I've asked the credit bureaus as to why my credit score has been the same for the past 4 months and they can not give me an answer I also explain to them that I am trying to be pre-approved for a home and explain the revolving credit that has now been reporting as well as the additional credit where it has been maintained and they have also been reporting and that I have not seen any change in the credit score they continue to tell me my credit score has been updated every 30 days however the score has not changed so I have been asking them to update my credit score in spite of the written letter from my mortgage company there is still no change in my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX. 

I fell behind on this account. The company called me at work and at home. They harrassed me. I asked them finally to stop calling. 

I resumed paying this account in XXXX. I have made payments in XXXX and XXXX. 

In XXXX, I called the company. I spoke to a representative in the credit department at the company. I apologized for my loan being late. I told her that I was making regular payments. I asked the person if my credit report would be updated.. The person thanked me, said that she understood, and informed me that my report would be updated by the company to reflect the payments coming in. 

Instead, the company charged my loan off as a bad debt. I made another payment in XXXX and noticed no update to my report, until a review by me indentified the charge off. 

The company 's credit department refused to work with me. The explained that changing the report would be " dishonest '' even though I called them and started making payment again before the charge off. 

This is very bad business practice. I am asking for the company to change my report back to show that this account was behind, and that I am now making payments. The " charge-off '' should be removed from my credit report. As it stands, the only way I can rectify this matter now is to pay the loan in full which will cause me significant hardship. 

What is troubling is that I received two different responses. I was never told by the company when I phoned in XXXX that my debt would be charged off. I was thanked for resuming payments and for wanting to work this loan out. Now, when I call again, I am told something completely different. I accept responsibility for this. I made an attempt to resolve. That attempt was received. The company arbitrarily changed its stance and has taken a position now that has done me harm. 

I continue to make monthly payments to XXXX. My next payment is on XX/XX/XXXX.
Product: Credit card

On XX/XX/year>, I was contacted by a Merchant in regards to an account balance that was in my name that needed to be paid. I tried to get as much information as possible out of them but was told they didn't have it to send. I paid the balance off of {$3900.00} on my Citi Credit card. After doing some research about the company, I thought I had been a victim of fraud, and disputed the claim. On XX/XX/XXXX, the merchant reached out to me and asked what happened with the charge back, and I explained that I thought it was fraudulent, and that I requested the charge to be canceled. They then provided all of the documents to me showing that it was mine and that It was valid. I let my Credit Card company know this and to stop the dispute and let it go through. The merchant ran my card again, and now there were XXXX transactions on the card for the same balance. When speaking to the merchant they said to cancel the second charge and that they were going to take the original, so I contacted my credit card company to do so. Because of this second charge cancellation, the merchant refused to take any money from my card and sent XXXX charge-back refunds to my account to be processed. 

I spoke with an agent in XXXX on a three-way conversation with the merchant and credit card dispute team, and the merchant explained that they were no longer accepting the XXXX transactions, and the chargebacks were sent to be refunded to me. I then was told that this could take XXXX business days to do so. I received XXXX of the refunds on the account but still a month and a half later have not received the other. This is affecting my credit score, credit utilization, and minimum payment due, and am collecting interest daily. Below are the dates and agents who have actively been on my account since the first dispute was opened. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( email ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX reference time provided ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX letter sent ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Email attempt to merchant XX/XX/XXXX Email sent XX/XX/XXXX Email sent XX/XX/XXXX Email sent about dispute XX/XX/XXXX Email sent about dispute XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( chat ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Email sent about dispute XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dispute initiated online XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Continental Finance credit card was closed, because I could not pay the bill. There was a {$500.00} limit with a {$700.00} high balance. When I was able to pay the bill, the account was sold to a collection agency, XXXX XXXX XXXX. I settled the account for over {$600.00} with XXXX XXXX. This company closed, and did not report my account as settled. I called Continental Finance to inquire why they haven't updated my account as paid to the credit bureau. They said that they do not handle my account. XXXX XXXX XXXX handles my account, and gave me the number. I called XXXX XXXX XXXX, and they verified that the account was paid off, and provided me a letter to give to the credit bureaus. XXXX reported my account as written off after my dispute. I disputed it again, because it was paid off. They said that Continental Finance MTOB is reporting it as closed after the dispute, they sent them the documentation from XXXX XXXX XXXX. My problem is that I paid the account, and it is still hurting my credit with a balance showing that it was never paid. If I dispute it, the credit bureau should show the company proof that it was paid, and annotate my account accordingly. They should not tell me there is nothing we can do about it when I paid over {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd official notice To XXXX XXXX experience and XXXX All 3 companies are in violation of the consumer laws I have contacted all XXXX companies several times to correct my credit profile I was a victim of identity theft and there are several accounts that are reporting incorrectly all XXXX credit services have Failed to remove all of the ant accurate credit reporting. 
The only company that has removed some of the inaccurate credible reporting is XXXX add XXXX experience has continued thank you to report unaccurate late payment accounts on my credit profile.

I have spoke with legal representation and this is the 2nd notice if there is no changes after the 2nd and 3rd notice all credit service will be in default and I will pursue a Declatory judgment That would equal {$10000.00} for each and inaccurate credit Account on my credit profile. 
The following account should be deleted immediately XXXX, credit XXXX, XXXX XXXX, XXXX And upgrade. 
All of those accounts were wrongfully charged due to identity theft. 
All of those accounts should be removed and deleted immediately. 
There's a discover late payment that is wrongfully being reported I have spoken to discover and they have informed me that they are not reporting that account late that should also be deleted in media. 
Failure to comply Where result in Legal compliance and will be evidence an emission of guilt. 
For all of the infractions all credit services will officially owe default judgment of {$80000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and the information listed in the attached letter is inaccurate.
Product: Payday loan, title loan, or personal loan

I took a loan out when in desperate times been paying it for about five months now an there is no down fall on remaining balance. I've paid them XXXX dollars an no change on a XXXX dollar loan that is ridiculous that's why our country is going down because companies like these rip us off on our desperate times. I also tried logging in to my account there's no access such bad service, you'll never find out what's your balance. Since XX/XX/XXXX to now I'm being charged the same amount an no change.
Product: Student loan

Formal Complaint Regarding Unresolved Loan Settlement and Accrued Interest I am writing to express my frustration and disappointment with the handling of my private student loan account. Despite my ongoing efforts to reach out and request a fair resolution, including settlement and potential forgiveness, no meaningful response has been provided by your company. This situation has become untenable, and I am seeking immediate action. 

Loan Details : - Original Loan Amount : {$11000.00} - Current Principal Balance : {$7900.00} - Past Due Amount : {$490.00} - Interest Rate : 13.75 % ( variable ) - Daily Interest Charge : {$2.00} - Last Payment Date : XX/XX/XXXXXXXX  - Monthly Installment : {$120.00} - Date of Loan Origination : XX/XX/XXXXXXXX  Issue Overview : Since the origination of this loan, I have made regular payments as required, and have accumulated a significant amount of paid interest. However, despite my efforts to work with your office regarding a settlement or potential forgivenessdue to my financial hardship and the mounting interest chargesthere has been no response or resolution from your side. 

To date, the interest alone has amounted to {$7800.00}, which, if added to the principal, significantly exceeds the original loan amount. Given the financial burden, I feel that it is unfair that I have been unable to receive any relief or closure, especially when I have been paying off this loan for years. The lack of communication from your office regarding a settlement, forgiveness, or any alternative plan is causing undue hardship, further impacting my credit and financial well-being.
Product: Debt collection

On XX/XX/2020 I received a phone call from Credence Resource Management inquiring about an XXXX XXXX XXXX debt owed in the state of Texas. Given the fact that I do not have nor have I ever had any connections whatsoever with anyone or anything in the state of Texas nor any dealings with XXXX XXXX XXXX, I informed Credence Resource Management accordingly. As of XX/XX/2020, Credence Resource Management is reporting this debt and its associated address as owned by me on my XXXX and XXXX XXXX credit reports. As of the date of this filing, I have not received any correspondence from Credence Resource Management informing me of this alleged debt or of my right to dispute it under the FDCPA. On XX/XX/2020 I disputed the address listed in Texas with XXXX, as a response I was informed my dispute had been verified by Credence Resource Management as valid. Likewise, on the same date, I disputed the alleged debt with Credence Resource Management directly to which I have not yet received a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never received a mail notice that I could dispute the debt of {$67.00}. The original creditor is XXXX XXXX XXXX. I received a phone call about the debt from SW Credit Systems L.P. and I told the agency I would like to verify the debt as I did not believe I owed the debt and I never received any notice about the debt prior to the phone call. Then I sent the agency a letter requesting verification of the debt. But I never received the verification. I checked on my credit history and they have reported it to XXXX. 

The agency is : SW CREDIT SYSTEMS L.P. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I sent an email to account manager, XXXX XXXX, for my vehicle loan with Prestige Financial Services ; I was requesting a reduced payment amount of {$250.00} for XX/XX/XXXX loan payment. Due to having a medical hardship, the initial monthly payment for {$420.00}, which was set up to be drafted on XX/XX/XXXX, was going to be returned. This was suppose to be XX/XX/XXXX payment, but late. XXXX XXXX XXXX, replied via email on XX/XX/XXXX, stating that she could " reduce and accept '' a {$300.00} payment for the month of XX/XX/XXXX only. Therefore, I accepted her offer for the reduced payment of {$300.00}. Thus, making the {$300.00} payment will bring my account current as of date, until my next monthly payment which is due on XX/XX/XXXX. After reading and acknowledging the payment disclosure sent to me via email on XX/XX/XXXX ; I authorized the {$300.00} payment for XX/XX/XXXX to be drafted from my savings account on XX/XX/XXXX. The disclosure also stated that by Prestige accepting a reduced payment amount for XX/XX/XXXX, this may extend the term of my vehicle contract, and affect the prior three payments received. Now all of a sudden, on XX/XX/XXXX ( today ), XXXX XXXX from Prestige sent me an email stating that my loan is {$50.00} past due and I must make a payment to bring my account current. However, my account should be current from the payment made on XX/XX/XXXX, in the amount of {$300.00}. Along, with her forwarding my information to another account manager named XXXX XXXX ; I am now being harassed by the both of them for an additional {$50.00} payment. Plus, neither one of these managers want to disclose how I would owe another {$50.00} for
XX/XX/XXXX.
I do not like being harassed and threatened to have my vehicle repossessed for additional money they claim I owe, on top of my XX/XX/XXXX payment already made. Please look in to this matter.