23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home in XX/XX/XXXX utilizing USDA financing as I was a newly divorced, single mom with XXXX children ( Purchase amount {$140000.00} ). In XX/XX/XXXX my employer sent everyone to work from home. The bills increased as all three of us were now home and I was struggling to make my mortgage payments. I asked to take part in the XXXX XXXX mortgage forbearance option in XX/XX/XXXX and was approved. I did not make payments from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX I applied for a loan modification. By this time my loan was sold from XXXX Loan Servicing to LOANCARE LLC ( Balance of {$140000.00}, but LAONCARE tacked on what they claim was accrued interest during forbearance of {$4000.00} bringing it to {$140000.00} ). I resumed making monthly mortgage payments in XX/XX/XXXX until XX/XX/XXXX. I stopped making payments at this point because I had decided to sell my home and trying to work with LOANCARE had become impossible. 

From XX/XX/XXXX until now dealing with LOANCARE has been an absolute NIGHTMARE!!!!!! I submitted a complete loan mod packet as required in XX/XX/XXXX. I received confirmation from LOANCARE that this was in effect. I alos received a letter describing that I had been assigned a loan modification advocate which was a complete lie. I tried reaching out to this person and was told there is no such person working there by that name or extension ... ... .go figure. In XX/XX/XXXX LOANCARE contacted me saying I needed to submit everything all over again because it expired, so I did. I received ANOTHER loan mod packet in the mail XX/XX/XXXX. This is going on almost a year of dealing with a company who WILL NOT explain the insane additional charges they tacked onto the loan now totaling well into {$7000.00}. Not to mention NO ONE can answer any question with any consistency. One person tells me my paperwork is being processed, but then I get a packet the mail. One person tells me I have no payments due until XXXX because I am in the middle of a loan mod and the next thing I know I am getting passed due notifications and my payoff amount increased another {$1000.00}. 

I am at my wits end with this company and I truly believe it is their sole purpose is to bankrupt taxpaying mortgagees into foreclosure by giving them absolutely no way to navigate a loan modification. This company has tacked on so many charges to my loan that I don't even know what is interest, what is principal, or what the actual balance of the loan is anymore. 

I certainly hope there is SOME SORT of help out there for taxpayers in this similar situation. I have researched this company several times and there is no shortage of complaints, class action lawsuits and litigation against them. I can not believe they have not been held accountable yet for, what seems to me, to be a multitude of consumers crying for help with the very same issue I am experiencing.
Product: Debt collection

This is in regards to a collection account with National credit audit Corporation. This collection agency is attempting to charge me for a debt I should not owe. The original creditor was XXXX which I have a court ordered judgment for owed debt. I would provide pictures of. I have reached out to XXXX and XXXX to have this debts removed from my consumer report and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I decided to view my Equifax credit file, and while viewing my file I noticed that Equifax had been reporting an account which I have no knowledge of : Name : XXXX XXXX Account XXXX  : XXXX After noticing this account I decided to mail out a certified letter to Equifax on XX/XX/2023 requesting that they look into this matter by investigating and verifying the accuracy of it. On XX/XX/2023 I received a letter from Equifax claiming that they verified the account and the information is accurate. Equifax also sent a paper that looks like a billing statement from XXXX XXXX. After giving Equifax 10 more days to provide me with some type of document linking this account to me, I decided to send another certified letter. On XX/XX/2023 I sent out a certified letter to Equifax to let them no that the reporting of this item on my credit file is extremely concerning, and I gave them another 15 days to provide me with there METHOD OF VERIFICATION. In this letter I also requested the name, address, and telephone number of each person contacted regarding this alleged account as well as a copy of any documents provided bearing my signed signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. On XX/XX/2023 I received a letter from Equifax claiming that they verified the account to be accurate. In this letter Equifax still failed to provide me with there method of verification, the name, address, and telephone number of each person contacted regarding this alleged account as well as a copy of any documents provided bearing my signed signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Instead, they sent me the same billing statement they sent to me back on XX/XX/2023. On XX/XX/2023 I sent out another certified letter letting Equifax know that they have failed to provide me with any of the documents that I requested. I still have not seen any document bearing my signed signature. I also let Equifax know that they have violated 15 US CODE 1681e ( b ) by not providing me with MAXIMUM ACCURACY and 15 US CODE 1681i ( 7 ) by not properly investigating within the 15-day timeframe. I also informed them that this account which they have failed to validate must be removed immediately. On XX/XX/2023 Equifax mailed me out the same billing statement for the 3rd time instead of removing the account which they can not validate.
Product: Credit card or prepaid card

As a long time customer with Discover since XX/XX/XXXX, my account was closed on XX/XX/XXXX. I was told the reason was due to multiple lost/stolen credit cards, but I haven't requested one in a long time. This just seems like a made up excuse to refuse payment on the rewards I have accumulated.
Product: Checking or savings account

( 1. ) OnXX/XX/XXXX, I received an email notification from Paypal at XXXX that I had received a refund from XXXX XXXX XXXX via Paypal for a transaction I had previously submitted using my XXXX XXXX debit card ending in XXXX. The amount was XXXX dollars. <P/>The time stamp and receipt # are : XX/XX/XXXX XXXX PDT Receipt No : XXXX ( 2. ) On XX/XX/XXXX, I received a second email notification from Paypal at the same email address that I received a refund from XXXX XXXX XXXX via Paypal for a transaction I had previously submitted using the same XXXX XXXX card. The amount was another XXXX dollars. <P/>XX/XX/XXXX XXXX PDT Receipt No : XXXX ( 3. ) The XXXX XXXX checking acct. associated with that debit card was previously closed. <P/>( 4. ) I called Paypal to notify them that the debit card where I was supposed to receive my refund was closed. I spoke with XXXX. I asked her ID # but she said she " would n't be able to give that information out, '' but she was located in Iowa. <P/>She said I needed to contact XXXX XXXX to see if the funds will be returned to me. <P/>XXXX insisted that XXXX XXXX would n't send the funds back to Paypal, and said that by law, there was a six month period from the acct. closure date where they would have to refund those funds to me by reopening the acct. <P/>( 5. ) Spoke with XXXX XXXX ( XXXX at XXXX XXXX branch in XXXX, GA ; XXXX in phone customer service ). XXXX said funds would be sent back to Paypal. XXXX confirmed funds were sent back to Paypal. <P/>( 6. ) To date, have not received funds and have not received communication from Paypal about those two refunds being rejected by XXXX XXXX. <P/>( 7. ) To date, I believe I have XXXX dollars missing as a result of this error by Paypal and/or XXXX XXXX. <P/>( 8. ) I called Paypal corporate office on today, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, and asked for Executive Customer Relations. XXXX, the receptionist, said her only option was to send me back to regular customer service, even though I had told her I had already received misinformation from customer service and I was trying to avoid filing a Consumer Financial Protection Bureau complaint.
Product: Debt collection

THERE IS A CHARGE OF XXXX ON MY CREDIT REPORT THAT WAS OPENED BY ME ON XX/XX/2018 2018
Product: Credit card

I applied for a credit card as well as a mortgage loan and was turn down when at that time when I applied for a mortgage with a XXXX XXXX and I was turn down and now a simple credit card I was turn down all because I think of my race all because I 'm a XXXX man who work XXXX jobs and no criminal back ground and a honest paying tax payer so how in the XXXX I do n't get approve shaking my head on this matter ... ..I think I need to sue everyone that 's involved in this set back
Product: Debt collection

The amount of the debt was deducted from my SC state taxes by the original company I owed, XXXX XXXX in late 2020. The collection agency will not take this off my credit report even though it was paid months ago. I tried to dispute it and they said it was still owed, even though I have proof of it being paid.
Product: Debt collection

Harley Davidson Financial keeps calling me and asking for my father, XXXX XXXX. I do not live with my father and do not know where he is most days. I have informed Harley Davidson Financial of this information and requested that they stop calling me. They always agree to stop calling me but never stop calling. They call almost everyday.
Product: Debt collection

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX This auto company needs to update my credit reports as of now not late and have a balance for XX/XX/XXXX of XXXX. it is showing on my report that I am still owing {$1100.00} while I have no past due as of today XX/XX/XXXX. 

They have customer service foreigners that did not always understand me whenever I talked to them.
Product: Credit card

I have a XXXX card issued by Capital One. My Capital One statement shows a charge for {$190.00} on XXXX XX/XX/2023 from a merchant called XXXX XXXX XXXX XXXX. I did not authorize this charge. I tried to contact the merchant directly twice to dispute the charge but the merchant did not respond. Then I contacted Capital One to dispute the charge. On XXXX XX/XX/2023 Capital One sent me a letter in which it acknowledged that it I had disputed the charge and that it was looking into the matter. On XXXX XX/XX/2023 Capital One sent me a second letter in which it said that it had rejected my dispute because the merchant told Capital One that " goods were as described and in good condition. '' I then called Capital One and spoke to agent. I told the agent that I was disputing the charge not because I did not receive the goods from the merchant but rather because I never authorized the charge to begin with. I pointed out to the agent that when I filed my dispute I had told Capital One as much. The agent then asked if I had proof that I had tried to contact the merchant. I told the agent I had a copy of an email I sent to the merchant on XXXX XX/XX/2023 disputing the charge, so the Capital One agent sent me a link to upload that document which I did. On XXXX XX/XX/2023 Capital One sent me another letter in which it said that I did not provide Capital One with the " previously requested information '' and that as a result, Capital One was closing my dispute and that I would have to pay the {$190.00}. To summarize, a merchant charged me {$190.00} with my authorization, Capital One has no proof that I authorized the charge and is instead claiming that according to the merchant I received services, and finally Capital One is claiming I didnt provide it with documents which I did in fact provide and so it is sticking me with a fraudulent charge.
Product: Consumer Loan

The maturity date on my auto loan with Santander Consumer USA is XX/XX/2015, however, they state my current balance is XXXX.  Since my payments are only $XXXX a month, I called to ask why my balance is so high and how this is going to be paid off in three months.  They advised that since I was late on my payments that interest has accrued and I still owe them this amount.  I have made a total of XXXX payments, so they have received $XXXX for this vehicle.  They state this is in my contract which I reviewed and could not locate this information.  With the additional amount owed, they will receive over $25000.00 for a vehicle that was originally sold for less than $13000.00.  I do not believe that I should have to pay this additional cost.  They did not add the interest to my payment history, they just applied my payments to interest and did not reduce the principal balance.
Product: Debt collection

I am showing on my XXXX account that I owe XXXX to a company and placed in collections with a company called Plaza Services, LLC..It shows the account was opened on XXXX.I have never or ever have I authorize an account from this place XXXX XXXX By XXXX XXXXIt is not even showing that I made an inquiry such as this for that amount with this place.I called and had XXXX put in a dispute on my behalf..I am requesting that this company provide the paperwork that showed I applied and signed off on this loan, the address that its associated with loan.Any letters that were sent, showing that they tried to contact me in reference to this loan.My identity has been compromised and stolen.I have put a freeze on my credit files
Product: Debt collection

I had an XXXX collection from XX/XX/XXXX for {$820.00}. I refused to pay the original amount to XXXX XXXX XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}. 
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection. 
in XXXX XXXX i received a collection letter from XXXX NCO financial systems for the amount of {$820.00} and i was offered a XXXX discount to settle the debt. I took on their offer. 
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX. 
I have proof of the payment, i have copy of their original letter. 
I never received proof of payment nor the settlement was reported to any credit reporting agency. 

Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM. 
I have been receiving collection letters from XXXX XXXX XXXX asking to collect {$410.00}. 

To me this is illegal, I try to reason with them but to no avail. 
Please help. 

1 ) i am sending proof of original collection letter with offer of XXXX discount. 

2 ) proof of payment. XXXX XXXX XXXX card statement. 


3 ) latest collection letter.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Equifax for failing to properly address my identity theft claim regarding fraudulent accounts that appear on my credit report. The fraudulent accounts in question are : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I have been a victim of identity theft, and I did not authorize anyone to use my personal identifying information to open these accounts. As required by the Fair Credit Reporting Act ( FCRA ) 605B, Equifax has a legal obligation to block and remove fraudulent information from my credit report once I provide sufficient documentation. 

I submitted all necessary supporting documents to Equifax, including : A government-issued photo ID An Identity Theft Report filed with the Federal Trade Commission ( FTC ) A detailed statement of unauthorized use of my identity Despite this, Equifax has failed to act within the legally mandated four business days to block the disputed accounts and has not provided any confirmation that the accounts were removed. This failure to comply with the FCRA has caused ongoing harm to my credit file and has impeded my ability to secure financial stability. 
Violations of Federal Law : FCRA 605B ( c ) ( 2 ) ( A ) : Requires Equifax to block and delete fraudulent accounts from the credit file within four business days after receiving evidence of identity theft.

FCRA 605B ( b ) : Prohibits Equifax from re-inserting disputed information without providing written certification of its accuracy. 
Desired Resolution : The immediate deletion of the XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts from my credit report. 
A written confirmation of the deletion of these accounts. 
XXXXssurance that no reinsertion of the fraudulent accounts will occur unless Equifax complies with all requirements under FCRA 605B ( b ). 
Equifaxs lack of timely action has violated my rights under federal law and caused unnecessary stress and financial damage. I request the CFPBs assistance in holding Equifax accountable for their noncompliance and ensuring that my credit report is corrected promptly.
Product: Credit reporting or other personal consumer reports

I attempted to send a request for to XXXX XXXX XXXX on XXXX XXXX XXXX via certified mail to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX  XXXX ). The letter was returned as undeliverable. According to the FCRA i have the right to an accurate credit report. Since the address is not listed correct i demand any account associated with XXXX XXXX XXXX be instantly removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold from XXXX to XXXX XXXX ( XXXX ) on XXXX XX/XX/XXXX and XXXX XXXX failed to honor the original terms of the mortgage. When my loan was with XXXX, it was covered with XXXX credit reporting suppression ; however, XXXX XXXX failed to honor this coverage and disregarded my original coverage. I am XXXX XXXX XXXX XXXX and XXXX XXXX ( moved from XXXX to XXXX ) and during the COVID they still reported late payments to the credit bureaus, even though i notified them in XX/XX/XXXX that i was selling the home and asked for the COVID forbearance. However, the main issue is that my mortgage was protected from credit bureau reporting per my XXXX XXXX assistance.
Product: Checking or savings account

I can not receive any of my financial information. Regardless of my accounts, I still can not see or recieve any information. I have been treated awful and I can not understand why I am left in the dark regarding my own life and financial health. Us bank gave incorrect deposit information, closed account without notice. XXXX XXXX  XXXX and XXXX  will not allow me to obtain any information regarding my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows. PLEASE BLOCK INFORMATION XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX   XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX N/A XXXX N/A XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I write a letter with my dispute to Equifax and I need to know WHY these inquiries are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with their Agency for the purpose of filing a complaint with your agency.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a {$500.00} loan today, online, after being approved and routed to the lender through a mobile app ( XXXX XXXX XXXX  ). After signing the loan agreement I then emailed their support line explaining my cell phone had been disconnected and could only communicate via email. It was at this point I realized this *could be* a scam. I communicated via email with someone associated with the lender whose rapid response time and punctuation used in the email seemed concerning. I did decline the loan via email and was given verification that my request and cancellation had been received and processed. I am now concerned considering this person or group has my personal information and a signed agreement from me, not to mention my bank account information. If and when I do receive the funds ( which I declined and was given confirmation of declining ) I will then be on the hook for the interest of which I used as the basis to decline the loan ( the interest rates fall well out of fair lending guidelines and I am happy to provide the loan agreement paperwork and emails as proof should you need that to assess a fine to the company or motion to have it dissolved immediately ). Believe it or not I also have several personal contacts of whom I know firsthand are involved in predatory lending scams and Internet crimes and I would absolutely love them to be incarcerated for these crimes and removed from the ability to continue to commit acts against others. Im extremely tired of this ( excuse my language ) XXXX from these trash people too XXXX  to earn money like normal XXXX people and the fact that theyve singlehandedly perpetuated the ruin of my local not to mention National economy is so infuriating I can not even begin to fully express that in words. Thank you so very much for your time and attention and I look forward with extreme jubilation to dealing with the next XXXX thing that will come down the pipeline from the simply act of applying for a bogus predatory loan from some XXXX  ( yet hopefully sterile ) piece of human XXXX and will certainly my follow-up on this specific complaint as it applies to this specific situation should I receive finds or should this situation appear on my credit report at some point.