23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I own a house in XXXX XXXX, NJ and I am having a tremendous amount of difficulty with Lakeview Loan Servicing and the Borrower Loss Mitigation Application. 

I am very concerned about the mortgage. In XXXX, XXXX, and XXXX, I have made several phone calls to Lakeview and have not been able to move forward with obtaining a positive resolution to the Borrower Loss Mitigation Application. I feel that I have been ignored.

When I called, I was told that Lakeview had changed my representative. They have changed the represenattive 3 times. These changes have delayed the process of my application. The first representative did not reach out to me. 

At this time, I submitted this Borrower Loss Mitigation application approximately 3 months ago. Additionally, I have submitted the requested documents to Lakeview over and over again. It was only after I called again, and I filed a complaint, that a new representative was assigned to me. Then, I was told that I needed to send the application documents once again. This is totally unacceptable. 

Last week, I called and my representative was changed once again and was told that the lawyer proceedings was suspended. 

I am unclear why a lawyer has contacted me, giving me 45 days to settle this outstanding debt, and to remove myself from the property when I have I completed the Borrower Loss Mitigation Application several months ago and the delay has been on Lakeview 's side and not mine.

I need to hear back from Lakeview as soon as possible. I need to receive confirmation that my application was successfully processed. I want to be back in good graces with my mortgage.

I have been in steady communication with Lakeview and I an unclear as to why a modification has not been provided to me as of yet, given the fact that I have a reduced income. I continue to look for employment at a higher salary rate, and I am very interested in being in compliance with my mortgage.

I feel like I have been going in circles with them.

At this point, I wonder why are they not processing my application and continuously changing my representative.

I have involved the organization HOPE with my case with Lakeview.

Many thanks for your help and speedy attention to this stressful matter.

All my best.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$750.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I originally started off with a request for a pay off. The lady on the phone was no help and said anything I needed was on the portal. I created an account and and search for the payoff I found my payment history. The payments I made are correct. In addition to the regular monthly payments due, I was making additional payments. These extra payments and anything additional made monthly on the regular scheduled payment due were to be applied towards principle. My discovery was thr additional payments that were made throughout each month were not fully apply towards the principal. Meaning they were taking money out for interest as well from the additional payments that were being made. I have taken several screenshots from month-to-month and also put it through my amortization calculator. I have tried rectifying the situation and getting answers but have been given the runaround with generic answers. I would like this matter resolved. In addition I would like a full pay off so I know the total amount due and I can pay them and be done with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 6 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I received ( XXXX ) different CashApp cards in the mail that were not opened by me. I called the company to close the accounts and they require photos of the cards as well as other sensitive information to be emailed in order to close the account. If my email was compromised and that is how the information was stolen, I refused to email photos of the cards as well as more personal information along. The person I spoke to refused to transfer me to anyone else and refused to close the accounts when requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX owner of property XXXX XXXX XXXX XXXX XXXX, Florida XXXX Loan # XXXX. ( XXXXXXXX XXXX  ) I am reaching out to you guys because I would like to see if you guys can assist with an issue I currently have. During the Pandemic I unfortunately lost my job and battled to stay current on my Mortgage account while facing a lot of problems. I work in the XXXX XXXX XXXX industry and unfortunately we faced a lot of problems and challenges to remain open. During this time I became past due on my mortgage and unfortunately its been a struggle to get current. I received assistance twice from them which I appreciate it and I am grateful for. My problem is that I kept facing difficult times and kept getting behind and dragging a late month multiple times and have accrued 16 late payments throughout my time since covid. I am receiving a bonus from work in the upcoming week so I will return to normal and I can promise I will always be on time but when I tried to ask XXXX XXXX  to forgive those late payments or report to the credit a different way to not have a negative impact they said they couldn't do it. Is there anything you guys can assist with? Prior to XXXXXXXX XXXX I had 43 on time payments with XXXX before I refinance to XXXX and if you guys take a look at my credit everything started to happen around XXXX after we were shut down. 

I attached the letter I send XXXXXXXX XXXX along with the screen shots from before and after covid and my excellent credit history with my prior Mortgage provider before switching over to XXXX.
Product: Credit reporting

I went on line for a free credit report from Experian and bought a credit score for {$4.00} with my debit card. Then they started charging my debit card {$19.00} for 2 month now. I think this was a trick. Is there anything I can do? That was {$40.00} I do not have ...
Product: Mortgage

we tryed several times to refinance or loan modification and was turned down they stated that they just werent interested in doing that we pleaded to them because we could no longer make the high payments because my spouse was no longer able to work, and our saving were gone so we couldnt make the payments. my wife got into a car accident and couldnt work for 3 months and we fell behind in our payment we got some what back on track and tried to make up the payments and couldnt get statement from them to get money from 401k hardship fund by the time they complied we didnt have enough to cure all the cost, we sent them  XXXX  dollars the amount thet quoted us in writing to make up the payment, then said we owe more, and they were going to foreclose in   XXXX   XXXX   2017 we just want a payment we can afford to live in our home im applying for SSi im  XXXX  years old and hopefully they will grant it, we have no ideal whats going to happen now so any help would be a   XXXX   send.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX Funds were deposited to COINBASE in my account, and converted to USDC. For reasons they will no disclosed, they have placed a 47 Day Holding period on my funds, so they are no available for sending or withdrawal. Also, they have put a restriction on my account. After contacting them to discuss, they refuse to give any reason why or to release the funds back to me. {$20000.00} is currently being held hostage, it's extremely concerning.
Product: Debt collection

We've purchased from XXXX a shower door, on XX/XX/XXXX, and the shipping was included in the price, we have a prove for it on the XXXX account. The XXXX seller is " XXXX XXXX XXXX  '', XXXX # XXXX. After that, on XX/XX/XXXX we've received a statement from " XXXX '' telling us that we owe XXXX {$82.00} for shipping, one of these statement photo is attached. XXXX never does this kind of business, having XXXX sending separate bills to their customers. If there is a shipping cost, it is charged at time of the purchase, not later on. We've contacted XXXX and asked them if this is a real statement but they couldn't find the account number on the statement and told us not to worry about it. We've also contacted the seller thru XXXX multiple times and they weren't able to resolve the issue so far. All communication to the seller is recorded on our XXXX account. Starting from XXXX we've received XXXX statements from a dept collector R.M.S for the amount of {$1400.00}. We've been informing the seller multiple times about these statements, so far no resolution from their side. Not sure what the issue is here. Not sure if these statements are real or a scam. It is very annoying.
Product: Debt collection

The car was in an accident and it was paid off with gap insurance and they still saying I owe money for this car. XXXX XXXX saying I owe them {$1600.00} and I dont not owe them. From XX/XX/XXXX I purchased the XXXX. In XXXX the car was in an accident. My insurance company paid them XX/XX/XXXX and the account was closed in XX/XX/XXXX and I dont owe this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing dispute letters to the credit bureaus since XX/XX/2020 and asking for verification why they keep reporting on my credit report. However, they have failed to obtain as mandated by law proof of such debts. They have continued to report erroneous information about me. Therefore it is quite obvious that they have deliberately violated my rights in more than XXXX way which is punishable by law
Product: Credit reporting or other personal consumer reports

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681a ( dX ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.

need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. 
I UNDERSTAND THE COMPANY 'S RESPONSE TO
Product: Vehicle loan or lease

I have been trying to make a payment for past two weeks they refused to take one very rude demanding full amount. I asked to defer a payment back in XX/XX/XXXX due to all the repairs that were now needed on my XXXX XXXX. Wells Fargo said yes mailed out the paperwork told me to fax it back which I did. My vehicle was in an accident the week before XXXX I had to pay {$1000.00} deductible towards the repair. In XX/XX/XXXX when I called to make XX/XX/XXXX payment they told me my truck was out for repo that I was 120 days late. Customer Service Agent refused a payment until I threatened to file a complaint told her I had returned my deferment she said too bad that I had not. I had to fight to get a manager. Than my car engine caught on Fire a week later the alternator was ruined and so was the entire electrical system. I opened a claim with XXXX called Wells Fargo to say I had to hold off on my scheduled payment until the mechanic knew if the car was totaled or could be repaired. My case manger screamed at me that I still had to PAY even though I told her it would be covered under the insurance policy if it was totaled and that XXXX said entire loan would be paid. I finally got my truck back 14 days later it cost {$980.00} for new wiring & a rebuilt Alternator but my oil tank was still leaking and the transmission is mixing. Wells Fargo has refused all payments from me in the past two weeks and they will not honor the deferment that was supposed to be granted even after I emailed the copy to the Office of the Dealer President and spoke to them about the refused payments on a truck with 141,000 miles XXXX. I can not pay over the automated system since XX/XX/XXXX when they disabled my account at XXXX the guy on Thursday laughed and they lady on Friday said it was too late. They have misapplied previous payments and than sent out letters months later apologizing they are horrible to work with. I have had this loan since XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX  balance {$27000.00}, XXXX XXXX XXXX {$66.00}, XXXX XXXX XXXX balance {$160.00}
Product: Credit reporting

I checked my credit report and noticed that this is on there. I have never purchased sheet metal before. I have been in business with this nor any other sheet metal company, for any reason.
Product: Credit card or prepaid card

In appx. the beginning of XX/XX/2022 XXXX Chase XXXX card offered a bonus XXXX miles plus a statement credit if {$4000.00} was spent in 4 months. I charged nearly {$8000.00} so all requirements were met on my end. After not receiving any reward except the statement credit I called and was advised that promotion was over and I would only be receiving XXXX bonus miles. I have called to rectify this matter at least 3 times and each time they send a letter saying that the account isn't eligible. All 3 representatives plus a supervisor has told me that this is a constant complaint and they can see that at the time of my application that this was a valid offer, and Chase XXXX  should have no problem in crediting my account with the remaining XXXX miles. But now yesterday I was told they can't help me and their marketing department ruling can no longer be disputed. I believe this to be an unfair practice and I am looking for assistance.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX19, XXXX19 Incorrect balance, the date reported, and the account type is inaccurate. 

U.S. Bankruptcy Court # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

My credit card was stolen on XX/XX/15 and I saw closed to $ XXXX USD charges on my credit card. I reported the same day to American Express and they opened an investigation, I've been in communication with them throughout the entire process. I filed a police report and actively working with a Detective to receive updates on XXXX investigation. My account was credited back a few weeks ago but I received XXXX emails about my XXXX reported account that they're reversing the credits. I called AMEX right away and all they said " we have new documents stating these aren't fraud ''. They will not give me any other information and I reassure them that XXXX is involved as well but she said " that's different. '' and refused to give me more information. I was physically at work that day and I did NOT make any of the charges. My card was not signed so the merchant can always request identification.
Product: Vehicle loan or lease

I set up a payment plan with Nissan Motor Corporation back in 2017 after they repossessed my vehicle, after a payment was made on my account. I contacted Consumer Affairs and Licensing, through XXXX XXXX XXXX. I worked with a young lady by the name of XXXX XXXX. On XX/XX/2017, the Mayors Office of Consumers Affairs and Licensing, received a letter from a XXXX XXXX XXXX, Senior Counsel, on behalf of Nissan Motor Acceptance Corp. stating in order to recover the vehicle I would have to pay  {$2700.00}, which I did on XX/XX/2017. I never received the vehicle back in my possession. I ended up filing a small claims judgement against Nissan Motor Acceptance Corp., in XXXX District Court. I was then contacted by an attorney they hired out of XXXX Ma. from The XXXX XXXX XXXX by the name of XXXX XXXX XXXX. We entered in to a stipulation of dismissal on XXXX XXXX and a confidential general release settlement and indemnification agreement which was to release the vehicle back into my possession and to take all negative items off my credit report. None of this was done. They took my money and kept the vehicle and they committed fraud against me. I have bad credit as a result of this transaction. I need help getting these negative items off my report as they have five of them on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.
Product: Credit card or prepaid card

They said they couldnt help me. I am unable to access over {$3000.00} that I need to pay for rent and bills for over three months now. I contacted XXXX and they say to contact Bank of America. I contact BOA and no one know anything. Its money sitting on the car, that I dont have access too.
Product: Debt collection

I have never had a XXXX account. I sent several letters to the collection agency and the credit bureaus in order to verify this debt and to let them know I never had a XXXX account and nothing has been done