23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I'm in the process of closing two loans for two prefab homes with 21st Mortgage one is going to be a secondary home. After being completely qualified for the loan because I mentioned my mother in law would be staying in one of the units that loan was put on hold until she submitted an application with 21st Mortgage. She did not want her credit ran because it reduces her credit score. 21st Mortgage said they needed to run it to make sure she did not have a defaulted loan. She did not have a problem with them checking but was forced by 21st Mortgage or they would not give me the loan. To prevent it from happening to me she signed application.

I don't believe 21st Mortgage should hold a loan hostage and force someone to submit an application just because her name was mentioned. My loan should not be used to try and clean up their books. They ran my Mother-in-Laws credit by coercing and threatening to denying my loan if she didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed bellow are fraudulent accounts I run my credit history and I found many fraudulent accounts this is a IDENTITY THEFT
Product: Credit card or prepaid card

XX/XX/XXXX - large payment made to Citi Cards to pay off balances XX/XX/XXXX - Citi cards locked my credit card and sent me an payment verification notice XX/XX/XXXX - I called citi card and got my bank ( XXXX ) on line to sort out the hold. 
XX/XX/XXXX - I received a letter from citi card stating my bank XXXX told citi bank that my account at XXXX has insufficient funds. 
XX/XX/XXXX - I called citi card and have my bank XXXX on the phone and verify that that is incorrect. Citi refused to acknowledge the mistake they made and insist on locking out my credit card until payment is verified. 
XX/XX/XXXX - I called citi again and they still have not unlocked my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit inquiries that I did not authorize. I have contacted  XXXX , Experian, and   XXXX    to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating
Product: Mortgage

I have been working with Ocwen, my 1st mortgage for a very long time to process a short sale. I have submitted various offers for review and after months and months of having them take their time to review the offers, request several appointments to come into the home to valuate the property, they now refuse to proceed with approving the offer they currently have for a short sale. They have given plenty of excuses as to why they will not work with me today to avoid foreclosure but not once over these last several months have they tried to help me with being able to sell my house. After all of the hoops I jumped through to accommodate them. Today they note that the reason they will not work with me is the current sale date- but they have postponed my sale several times in the past and for some reason today are refusing to work with me and postpone this one sale that will give me enough time to finally get an offer approved at the amount they seek. I have been battling Ocwen for years regarding this home and now that I have spent a lot of time trying to do the right thing they want to ruin my life by foreclosing. All of my efforts have been made to avoid having foreclosure occur, foreclosure will hurt me financially for at least 7 years.
Product: Credit reporting or other personal consumer reports

I was alarmed to discover incorrect accounts on my credit report tonight, with no understanding of why theyre there. I check my report often, and its always been accurateso this sudden issue was completely unexpected. I even tried refreshing the page, hoping it was just a glitch, but the errors didnt go away. Because of this, Im asking for a thorough review of the documents Ive submitted to ensure I wont have to worry about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since XXXX Ive been disputing this account. My last dispute was sent back as Updated/Verified on XX/XX/2020 but they have failed to have a method of verification that this debt is indeed mine. This debt is only reporting in XXXX.
Product: Credit card or prepaid card

I applied for CARE CREDIT a couple of times and was recieving an inconclusive response with a link to the credit bureau. I need to get approved for care credit in order to receive medical treatment. 
I called care credit they told me i should just apply again, i applied numerous times and have been getting the same response. Care credit has not helped fix this issue and i havent been able to pay for my healthcare.
Product: Credit reporting or other personal consumer reports

I have discovered inaccurate negative items on my credit report that are not related to my accounts or activities. I have already disputed these items with the credit bureaus and provided them with an FTC Identity Theft Report and supporting documents, but the errors remain unresolved. These errors are negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2017 all student loan debt was paid off with a zero balance remaining. After working to get delinquencies removed I was advised to print of a loan summary detail by a representative from Fed XXXX XXXX. This report provided online gave a detailed descriptions reflecting XXXX days delinquent and a zero balance on ALL accounts. This report was then submitted to all three credit bureaus resulting in them removing all but XXXX XXXX XXXX of the XXXX agencies. The information provided allowed them to removed the majority except one. The loan summary detailed report provided all accounts I had through Fed Loan.
Product: Debt collection

At first it started off with messages being left on my cell phone voicemail, that they were NEVER given permission to call, never left the Mini Miranda, the name of the company and when I tried to call the numbers back, the phone just rang. At first, I assumed it was a scam and ignored. After continued calls and threats left on voicemail, of which I have saved, I was given a number to call back, which I did. At that point, I left at least 2 messages notifying them this was my cell phone and not to call that number and that I  filed bankruptcy and all debt was included. I left the attorney 's information to contact. I also asked for a letter to be mailed regarding the debt as I have never received any notification of the debt. I received nothing that I requested to comply with FDCPA and provide notification of the debt being collected on. This also did not stop the calls. XXXX XXXX continued to call and leave voicemails. Today he called again and I was near my phone and answered the call. He proceeded to tell me that " they '' ( he still did not provide name of agency ) were going to file garnishment against my pay. He also then made the comment that I am filing bankruptcy every 7 years, just spending money and then filing bankruptcy, which is harassment under FDCPA. On NO message left was the Mini Miranda and each contact was a collection effort. When I told him today the credit card was in my bankruptcy, he stated that it didn't matter, that the client had requested to file garnishment against me. I advised he needed to contact my attorney and he stated he knew who I was and would just proceed with his client 's request. He stated that Barclay was not included in my bankruptcy. This was the FIRST time I was notified of who the creditor was. I told him that I knew it was included and he needed to contact attorney. He would not take the attorney information. Instead, he continued to threaten me with garnishment. I told him, if he file anything against me, I would file suit, and he hung up in my face. I will be contacting an attorney to file suit for harassment and several other FDCPA violations. This credit card ( Barclays ' ) was included in my Chapter XXXX bankruptcy and is not owed by me.
Product: Debt collection

On XX/XX/XXXX, I received a letter from some collection agency called XXXX XXXX XXXX XXXX   claiming that I owed XXXX {$110.00}.

I called them on XX/XX/XXXX to explain that I had no outstanding debt to XXXX, spoke to XXXX XXXX.

At her request I emailed her a letter on XX/XX/XXXX explaining that there was no outstanding debt. I explained that nine weeks after the conclusion of my rental XXXX had tried to charge me for damage that did not occur. I disputed the charge. That matter was resolved in my favor and I attached the letter of confirmation that I had received from my credit card on XX/XX/XXXX.

On XX/XX/XXXX I received call from someone identifying himself only as " XXXX  '' at this agency. I returned his call and repeated that I had already provided them the documentation of no outstanding debt.

At this point

he made the following false claims in violation of the Fair Debt Collection Practices Act. " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ... The false representation of -- ( A ) the ch
aracter, amount '' He claimed : -that the collection was for not for the bogus damage charge but rather for the cost of the entire car rental.

-that my credit card has issued a charge back for the amount of the car rental so that, in his words, " it was as if you had in fact rented the car for free '' These claims are 100 % false. He also refused to provide me with his full name. He demanded my email address, which they clearly all ready had, and reminded me that the call was being recorded as if he were not the one harassing me.

In short, here are the facts : -The car was returned on XX/XX/XXXX.

-The receipt showed a final charge of XXXX Euro.

-The charge posted to my credit card on XX/XX/XXXX in the amount of {$360.00} ( XXXX Euro x the exchange rate at the time 1.17589068= {$360.00} ) That credit card bill was paid in full by me on XX/XX/XXXX.

-Obviously the charge of the rental was paid in full as the amount on my credit card bill matches the receipt I was given when I returned the car.

-Additionally, no charge back was initiated by me or by my credit card regarding this invoice.

-XXXX  submitted a bogus damage charge of {$120.00} more than two months later, which appeared on the XX/XX/XXXX bill of my credit card.

-This charge was always characterized by XXXX as a damage charge.

-I did dispute that charge.

-The matter was resolved in my favor. XXXX accepted full liability and issued a credit.

-I received a letter of confirmation of the permanent credit on XX/XX/XXXX.

-The amount was for {$120.00}. Clearly this is the {$110.00} they are harassing me for, taking into consideration the difference in the exchange rate over time ).

{$120.00} is 1.16504853 {$110.00} is 1.13446602 I emphatically stated that he was not to contact me in any way in the future regarding this matter.
Product: Debt collection

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : 1 : SERCURITY FINANCE 2 : XXXX XXXX XXXX have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; SERCURITY FINANCE AND XXXX XXXX XXXX have violated all ABOVE laws
Product: Student loan

I called back in XXXX, my father and I both kept trying to pay of some of my loans and they keep getting reversed and didnt pull from my account. Once I finally got a hold of them they said it was the bank. Couple months later I called the bank and the claim that there are no issues on their side. My dad and I both went in multiple times to the bank and nothing. Once I did more research apparently this is a common issue with aidvantage. I have made payments before, I just want to finish making payments because my interest is still rising from payments that could have been paid off by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that then same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding several disputed accounts on my credit report. Despite my multiple attempts to address these inaccuracies and my consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly impacting my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me. Therefore, I am pleading for your assistance in rectifying this situation as soon as possible. I kindly request a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Checking or savings account

Same as complaint XXXX. I made transactions and there was dissatisfaction of services. They told me I approved charges and there was nothing that they could do. 

Good thing I wasnt making a complaint about making the charges I was making a complaint about dissatisfaction of service and reclaiming my funds. They did absolutely nothing.
Product: Student loan

Upon careful review of my payment history, I have identified several time periods with missing payment counts, which has raised concerns about the accuracy of my loan records. I have reached out to various parties involved, including my college and my previous loan servicer, XXXX XXXX XXXX ( XXXX ), but have received conflicting information regarding the origin of this discrepancy. 

As the loan is now consolidated, I have been informed that there is currently no feasible way to rectify these missing payments and address any forbearance issues that may have occurred during these periods. I believe this issue is crucial to resolve, as it impacts my overall loan status and may have implications for my financial well-being. 

Enclosed with this letter, you will find a copy of my payment record, with the missing time periods clearly circled. Additionally, I am providing an example of proof of loan billing and payment for your reference. I am more than willing to supply any additional documentation required to support my case, including proof of a medical hardship. This documentation includes hospital and police records, as well as Family and Medical Leave Act ( FMLA ) paperwork. 

The missing time periods are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that MOHELA add the missing payment counts during the specified periods. I believe that a fair and accurate representation of my loan history is essential for my financial planning and peace of mind. 

I appreciate your attention to this matter and look forward to a prompt resolution. If necessary, I am available for any discussions or meetings to provide further clarification and documentation. Thank you for your understanding and assistance in addressing this important concern.
Product: Checking or savings account

I joined a company called XXXX XXXX to be an independent consultant and sell their jewelry. I joined in XXXX of 2021 and purchased many many pieces with the clarification from the company that all pieces were Nickel and Lead free. Within the past couple of months, I have been made aware that the pieces do contain both nickel and lead and also have other toxic metals in them. I have lab results to verify this information from a credited lab. I have reached out to my bank to dispute all funds that were used to purchase these pieces since I can no longer sell this toxic stuff. I have tons and tons of pieces in my house that I have emailed XXXX  to ask for a refund and I would send the items back to them, but they are refusing. I also have documents where on XX/XX/XXXX their website stated it was Lead/Nickel free then on XX/XX/XXXX they removed that part of the statement on their website. I am just trying to get reimbursed for this XXXX that I have in my possession that I can no longer sell to people.
Product: Credit card

On XX/XX/2023 I was charged {$2200.00} on My Apple card. This was a charge from XXXX XXXX. XXXX did a pre authorization for every charge that totals this amount but instead of charging each amount of the pre authorization they left them intact and charged the total at the end. Goldman Sachs has a hold for all of these charges and will not release them without something fro XXXX. I am essentially being charged twice by XXXX but Goldman will not help with this matter. Charges that were set up on autopay from other companies have been declined due to this hold which has resulted in additional charges from them
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine it is Identity theft I have been writing disputes to all the bureaus regarding this they are not even working or looking at this. It is getting frustrating I opened an ftc for this it causes me great stress everyday looking at this on my credit. 

XXXX XXXX BANK - Acct # XXXX XXXX {$75000.00}
Product: Credit card

I 've contacted Synchrony and finally got a supervisor to investigate the charges on my account. Synchrony bank has made many incorrect charges in past by charging me 5 times for the same item as well as not putting items on promotion as agreed when purchased. Every time they call me they 're is never anyone at the other end when I answer. My credit is good except for synchrony/walmart. Even though I am trying to resolve it by paying it I can not get answers. Now its been reported to bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : My credit score has decreased by a significant amount due to XXXX XXXX incorrectly attempted to charge me for two months after the end of a new car lease, even though I had paid-off my entire two year lease term one year in advance. Also, I have purchased this car after my lease term had ended, but had still been charged for two months of car lease payments. Once I had noticed this, I had provided a written dispute to XXXX XXXX, insisting they fix this unnecessary issue. Very shortly after, they had closed my account, but they had never fixed the reporting to the credit bureaus to reverse the two subsequent months of reported delinquency on my account for any of the credit bureaus, and therefore I am still suffering from the negative impact they have caused me from a drop in credit score rating by more than 60 points. Their acknowledgement of quickly closing the accounts upon my dispute to them shows they understand they have made an error resulting in a financially negative impact to my credit report, though, they have chosen not to take the necessary steps to correct this error. 

Details : XXXX XXXX attempted to charge me an additional two months of a lease term ( $ XXXXmonth for each of those two months ) than had ended and were not due, resulting in a  significantly negative impact on my credit report/score. 

XXXX XXXX attempted to charge me for the months of XXXX and XXXX of 2018 ; I should not have been charged these two months, but was nonetheless charged late for these two months. 

XXXX XXXX then closed my account as a response to my filed dispute on XX/XX/2018, but they had failed to report that I had not been late, or even that these falsely manifested payments never existed. Due to this, my credit score has decreased significantly, hindering me from successful financial management going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Product: Debt collection

Mailed a certified letter to this company on XX/XX/2016 for debt validation. I received the unopened letter back in my mailbox undeliverable. The address I used was the one provided on my bureau, therefore they did not validate the debt or mark it disputed within the 30 time frame allowed by FCRA. On top of that, I do n't owe this company any money. I have never heard of this company. 
Two companies are reporting on the same alleged debt on my name which is playing a significant role on me being declined for credit, bad insurance rates, and also a loan on a home.