23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019, we closed on the sale of our property. XXXX XXXX XXXX XXXX received the pay off documents from 5/3rd Bank and proceeded with the closing on the sale of the house based on the closing packet 5/3rd Bank provided. XXXX XXXX XXXX XXXX wire transferred the funds requested for the payoff of the property. 5/3rd Bank has stated the mortgage is satisfied, but my husband and I have received numerous letters from HUD stating they are still owed money. XXXX XXXX XXXX XXXX has been very helpful on trying to get 5/3rd Bank to pay HUD as the funds were included in the payoff to 5/3rd Bank ( as directed in the payoff information provided by 5/3rd Bank ). 5/3rd Bank will not provide us with any information. The branch XXXX has been informed to tell us to call HUD and be done with trying to help us get this resolved. We have asked 5/3rd Bank for all of our records on the mortgage, but they refuse to provide them to us. At this point, it has been almost a year after we closed on the property and continue to go in a circle with trying to get this resolved. HUD has sent the loan to the creditors ( there are three credit hits for this one loan ) and also have sent letters to have my income garnished. Since the HUD loan was never sent the payoff funds, it has also accrued fees. We have done everything asked correctly to have the closing of the sale of this property successful. This is cause a major headache for my family financially and emotionally.
Product: Mortgage

XXXX XXXX XXXXXXXX is attempting to foreclose on my home with fraudulent robo-signed assignments. We were in the process of working out a modification while at the same time, PennyMac was publishing a sale date for my home. This is by definition a situation of Dual Tracking - please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian Credit Bureau on XX/XX/2022 to removeXXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any account or information not later than 4 business days after the XX/XX/2022 letter .Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again.,
Product: Debt collection

Phone calls to a minor child. Repeated phone calls. Started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX. Various times from XXXX XXXX to XXXX XXXX. 

Its Midland Credit Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXX under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX  XXXX  XXXX, XXXX  XXXX XXXX and XXXX  XXXX XXXX
Product: Mortgage

1 ). I have Applied for Mortgage with Rocket to Buy Condo. Its condo from Day 1, Purchase agreement ( XXXX XX/XX/2023 ) says that, Inspection report ( XXXX XX/XX/2023 ) says that, and again Appraisal ( XXXX XXXX ) says that. 
2 ). Rocket Mortgage agreed for 7.25 % Interest rate, with Zero points on XXXX XXXX. However Rocket has added XXXX points ( XXXX usd ) in Final disclosure on XXXX XXXX. I have not agreed. However to Close loan. I was forced to Agree, 3 ). Rocket Mortgage wasted time ( Not to send Final disclosure till XXXX XXXX ( Even they Know closing date was XXXX XX/XX/2023 ) 4 ) .My request is to get refund of additional charged amount of XXXX points ( XXXX USD ) I have attached all Proofs of Communication with Pdf attached. I can provide more information as and when needed. 
5 ). Rocket Mortgage executives, telling Lie over Phone and sending different over Rocket account ( Wrong estimates ) they wasted my time from XXXX till XXXX XXXX with out sending Correct Loan estimate 6 ). Initially Rocket Mortgage added XXXX points because Property type is Condo. I have discussed this with Many times with Middle Management However they said they can not reduce. Because of Condo. ( From XXXX no change, its condo from Condo ) 7 ). Final Disclosure came with XXXX points, which is XXXX usd more than agreed on XXXX and Removed Lender credit. 
8 ). I have reported to rocket, However they did not agree to refund. they just increased the cost no reason for me. 
Thankyou
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.
Product: Vehicle loan or lease

I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX. In XXXX of XXXX XXXX  illegally repossessed a vehicle I had with them. XXXX XXXX then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of { {$13000.00} } and I should have been due some amount of equity returned from the sale.
Product: Mortgage

XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Application Number : XXXX # XXXX Timeline : On XX/XX/XXXX, I received a call from XXXX at Florida Housing Counseling ( phone number : XXXX ). During the call, I explained my current situation. XXXX assured me that XXXX still had funds for my case as I was one of the last applicants. He marked my case as an emergency and advised me to check my email and expect a call on XX/XX/XXXX. 
On XX/XX/XXXX, I spoke to XXXX again, and he advised me that my application was sent with priority and that the program would help me pay the full amount of late payments on my mortgage to make it current. 
Following this conversation, I waited for a response. Despite my repeated attempts to follow up through emails and calls, I received no response, and my case appeared to be disregarded. 
Recent Developments : In XX/XX/XXXX, I received an email from XXXX to set up a meeting. I provided all required documents, only to be informed at the end that the funds were depleted and the best course of action for me was to find a pro bono lawyer. 
When I contacted a lawyer, I was told that there was nothing they could do to help because I don't qualify for bankruptcy. 
Current Situation : I am a single mother of XXXX children, and our home is set for foreclosure on XX/XX/XXXX. If we lose our home, we will be homeless. 
I have tried working with my lender, XXXX XXXX XXXX, explaining that I am employed and capable of making payments, but they denied my loss mitigation request and suggested finding a " cheaper '' house for my children and I. I believe I am being unfairly denied assistance because I am a single mother with XXXX children. 
I am now facing the risk of homelessness and urgently need your assistance to resolve this matter. Please review my case as soon as possible and provide guidance on how to proceed. I would greatly appreciate any support you can offer. 
Thank you for your prompt attention to this critical issue. I look forward to your immediate response.
Product: Debt collection

I requested a debt verification from them and they did not send me the information I needed to be able to verify the correct information.Verification was requested XXXX/2024
Product: Credit card or prepaid card

I purchased a XXXX XXXX XXXX on XXXX XX/XX/XXXX. The XXXX item number is XXXX. My username is XXXX  and the seller 's username is XXXX. The amount charged to my card is {$1000.00} through XXXX on the seller 's behalf. 

Upon winning the XXXX auction I paid using my Capital One credit card with an account number ending in XXXX. The seller quickly informed me they were not going to sell me the vehicle for that amount and said they were issuing a refund. I never received the refund so I filed a dispute with Capital One. I contacted the seller again and they claimed XXXX would not allow them to issue the refund after numerous attempts, all the time claiming technical issues. 

XXXX responded to the dispute claiming I had purchased a subscription, not an item that was already used. Completely false. Unfortunately it is Capital One 's policy to automatically rebill customers if XXXX responds. I responded to Capital One by challenging XXXX 's claim it was a subscription by submitting documentation including the auction page showing it's a motor vehicle, the seller 's messages supporting their intent to refund the purchase. Clearly no item was received, there is no documentation of any item being received and the seller clearly wanting to refund the money. 

My account has now been rebilled and Capital one has done nothing to issue the refund. Instead of using common sense and reading what happened and issuing the refund they have denied issuing me credit for the purchase. It's my belief they can not recover the funds from XXXX nor the seller and are attempting to stick me for the bill.
Product: Student loan

My employer contributes {$200.00} per month towards my student loans on the XXXX of every month. My total payment is {$440.00}. My due date is the XXXX of every month. I have paid my share of {$240.00} on time and it has posted, MOHELA has yet to apply the {$200.00} forcing me into delinquent status with a past due balance of {$200.00}. 

MOHELA abruptly changed platforms and provided me with updated account information on XX/XX/XXXX ( after the {$200.00} payment was submitted ). I called on XX/XX/XXXX to inquire about the missing payment and my options. I was informed that the payment was received and showing in the old account as received XX/XX/XXXX and would take up to 90 days to transfer to the new account. 

I find it unacceptable to be forced to make a double payment for money they have acknowledged has been received. In the era of electronic payment systems, 90 days represents poor stewardship of borrower funds. 

I have been forced to decide between delinquency and forbearance ( both of which have a detrimental impact on my pursuit of Public Service Loan Forgiveness ). MOHELA has put many other borrowers into an automatic administrative forbearance to provide time to process the transition ( which does not impact PSLF ), but I have not been afforded such opportunity.
Product: Bank account or service

I use XXXX to download my monthly bank statement via web connect and import it into the program. I purchased the program in 2010 and have been billed by Citizens Bank {$9.00} every month since then without my consent or knowledge. The fee is not labeled on my Citizen 's statement and I thought it was a " phone '' use payment ( and is marked as such in my XXXX files XXXX. I finally called and visited the bank about this today to help me identify the source. The gentleman there called into the company and stated it was a quicken fee. I did a little research when I returned home and realized it is a bank fee for the online bill paying service. I do not use bill paying, only web connect, and never signed up for it anywhere. See the instructions Citizen published info on its website regarding signing up for this service. ( XXXX XXXX ) ( this is for pc but there is a similar one for XXXX XXXX. I then called into the number on that page and another person said I should be checking my monthly statement and he would reimburse me only two months.
Product: Debt collection

XXXX University failed to communicate with me about a debt that I owed. When I was in school they notified me that I did not have financial aid, when I was in the second week of the school term. Instead of offering more loan services, I had to drop classes or incur more debt. They never sent me an original bill at my address and I had a XXXX balance at this institution. I am being contacted by Williams and Fudge, a debt collector, collecting {$1000.00}. I do n't think this debt is valid. I asked him to validate the debt for me and he could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and have recently been diagnosed with XXXX. When completing an application to lease a new apartment, I found that a security freeze had been placed on my account at Equifax without my knowledge. 

I enlisted my daughter 's assistance to help remove the freeze online on XX/XX/2021. Though I responded to all questions correctly, I was directed to call Equifax. I called Equifax on XX/XX/2021, responded to all automated questions correctly, but, despite the original freeze options offered XXXX add freeze, temporarily lift, or remove freeze ), was only provided the option to add the security freeze to my file. The freeze, which was already on my account, was confirmed as successful and I had no opportunity to make any changes or select any other option. 

So, I then called Equifax again on XX/XX/2021 to attempt to remedy the situation. I spoke to a representative and her supervisor, but I was advised to call back to go through the automated system once again or to mail a copy of my social security card and driver 's license to their office. I do not feel comfortable sending copies of this sensitive information through the mail ( or to this agency that does not seem to have accurate information on me ), so, as directed, I called Equifax again on XX/XX/2021. I responded to the automated questions and was again directed to call them back. 

Quite frankly, I feel that I am caught in a loop that I did not create -- and that I am unable to resolve. Any assistance that you can lend would be most appreciated.
Product: Debt collection

I made an arrangement with XXXX XXXX XXXX , XXXX to pay {$220.00} for settlement of debt to be paid by XXXX XXXX, XXXX. I call the company on XXXX XXXX, XXXX, and spoke to a XXXX . XXXX. I made the payment that same day using my debit card. XXXX XXXX sent by email the payment receipt dated XXXX XXXX, XXXX. I notice on my XXXX XXXX, XXXX, on my credit report for XXXX XXXX / XXXX account in the comment section that it was purchased by another lender. So I contacted XXXX  and they told me that XXXX XXXX XXXX has this account. I asked why and told them that I had paid the account with XXXX XXXX XXXX. The representative told me that they did n't have any information concerning this company or payments and I would have to contact XXXX the lender. I contact XXXX XXXX  and spoke to a XXXX XXXX concerning the issue. She told me to email to her the receipt of payment and she would get back to me. I received an email from her stating that the document I sent did n't show that the original creditor was XXXX that it was Credit Corp Solutions. She told me to contacted XXXX XXXX  about the payment and Credit Corp Solutions. I told her I did and they advise me to call her company. I asked her if she could send something stating that this payment was received to XXXX Credit Bureau and XXXX XXXX / XXXX. She told me that they sent out this information to the credit bureau in XXXX XXXX and the company does n't do this anymore and she could n't help me. Therefore I should contact Credit Corp Solutions and XXXX XXXX again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with me or any transactions I've done or authorized to gain products, services, or money. 

Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXXXXXX XXXX Balance : {$770.00} XXXX XXXXXX/XX/2021 XXXX XX/XX/2021