23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been under review for a loan modification with Mr. Cooper and they kept postponing the sale. Several times I was denied for a loan modification and they always used the wrong income or expenses. Many times they would add more expenses than what I had. Recently I was denied on XX/XX/XXXX and never received the denial letter. I called in on XX/XX/XXXX and spoke with a supervisor named XXXX he said he would reopen the case and did not need to fill out a new application ; I only needed to send updated financial information. I sent updated information and around XX/XX/XXXX they told me that the documents were received. When I called back in they told me that the documents were " not '' received and that I had to fill out a whole new packet and re-apply. XXXX informed me that a new packet was sent out for me to fill out. I didn't understand why this was happening. When I asked about the case that was re-opened and about the financial documents that were sent over I was informed by a Mr. Cooper representative that I would be receiving a letter. So I never received a letter, and I never knew if I was denied or if they just closed the file. I called back and asked for the packet to be sent over and nothing was sent over. I sent a new packet but from Mr. Coopers end they kept saying it was not received. I had sent documents before and never had issues with them receiving paperwork in the past. All of this was going on while I was being told that the sale date was on hold. I had a sale date on XX/XX/2018 but they said it was on hold. So as a homeowner when they tell you it's on hold you think that there is no sale date. What I learned later on is that they reactivate the sale date and they didn't care what happened or what was going on despite the file being under review. They reactivated the sale again without written warning or informing me for XX/XX/XXXX and said my home would sell. I was told to file an emergency chapter XXXX and I but didn't have the money to pay an attorney, or how the process works. I ended up going to the court house on my own at XXXX, I started filling out the documents and since there were a lot of people they filed my bankruptcy after XXXX, this is the time my home went back to Mr. Cooper XXXX When I spoke with the foreclosing attorney they said that usually what happens is that they rescind the sale. After the XXXX I went through they said that the sale won't be rescinded despite filing the bankruptcy. I believe they are engaging in fraudulent and deceptive practices for their own financial gain. That review was left in limbo, I never received a denial letter or was not informed if it was closed. They were pushing me to reapply, when there was already a case that was opened by a supervisor. All they needed was financial information. My home should have never been sold and I should be given another opportunity. Lastly, I was told by the bankruptcy court that I would not lose my home because of the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, please have these adrresses removed from my report. Please send an updated copy of my credit report to the above address listed on my ID. According to the act, there shall be no charge for the updated report. 

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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Student loan

On XX/XX/XXXX, I applied to continue my service in the XXXX XXXX XXXX XXXX as a dentist, and therefore receive a {$20000.00} award to apply to my qualifying federal student loans. As part of that application, I was required to submit documentation proving that I applied the totality of a past {$50000.00} award to qualifying student loans in the past. 

At this point I logged into my Edfinancial account only to find that nearly my entire payment history had vanished. I tried to call their customer service line, and due to call volume and long wait times, I set up a call back ( which I never received ). I also submitted an inquiry via email. In the meantime, I was able to identify when the payment was made by digging through my old bank statements. I included the relevant bank statement in my award application rather than any sort of documentation from Edfinancial. 

Finally, on XX/XX/XXXX, I received an email from Edfinancial. This email included what appears to be a full payment history for my account, including, most importantly, the {$50000.00} payment that I made toward my student loans on XX/XX/XXXX. However, this information arrived via a simple, copy-and-pasted chart in an email, rather than in any sort of official document. Regardless, I sent this information to XXXX ( in charge of the XXXX XXXX XXXX XXXX XXXX ) and within a day I received a response that this information was still not eligible. In reality I need official documentation including the following information as it applies to that single, {$50000.00} payment : Lenders name Account holders name Account number Date of payment ( s ) Amount of payment ( s ) I have reached out to Edfinancial requesting this information again via phone and email, but I have not yet received a response. Most disheartening, if I don't have this document by XX/XX/XXXX ( less than two weeks from now ), I will lose my eligibility for the program for this upcoming year and I will forfeit my {$20000.00} award through no fault of my own. I will likely have to leave my non-profit, public health job and join a private practice in order to continue making my student loan payments.
Product: Mortgage

I paid off my mortgage XX/XX/2020 with BECU. My escrow account balance has not been returned to me. I've made several calls with no resolution. I'm now being told they won't even cut a check until XX/XX/XXXX! They are required by law to return it within 30 days. XX/XX/XXXX will be 45 days, if they even send it out. It's illegal. It's my money.
Product: Vehicle loan or lease

My car was totalled in XXXX. My insurance company has tried paying off my car in XXXX but they do not show any payment and keep trying to get me to make my monthly payments. I have made several attempts to call Bridgecrest to get this straightened out but it is always a random person that gives me no information other than we show no payment. I have asked for me and my insurance company to have one person to work this out and they refuse to give me a name and extension or anything. My insurance company has to talk to some random person, not even someone we are both in communication with. This seems like a scam to me. A reputable business should have someone you can talk to, to get things handled and situated with both me and my insurance company. All I can do is sit back and make monthly payments on a totalled car that my insurance company sent a check to, because they will not transfer me to anyone that can assist me or my insurance company. It is very frustrating and I can't keep making car payments on 2 cars
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX I have contacted Barclay Fraud service by phone and with letters. I've asked them to send me a copy of the fraudulent application for a XXXX  credit card. They told me to send a letter asking for the application and to include copies of photo ID, so number, my address etc. I did this XXXX weeks ago. I called Barclay again today to hear that my case wasn't in the system. The case number is ID XXXX. I don't understand why they won't provide this as it is necessary to have this proof to take to the police for an identity theft report. It's been a month. Help. Thanks
Product: Vehicle loan or lease

Hyundai Motor Finance XXXX # XXXX. My XXXX XXXX XXXX car loan was paid off on XX/XX/XXXX. They were supposed to release the lien and the title within XXXX business days. Then they told me XXXX days. I contacted Hyundai Motor Finance ( XXXX ) on numerous dates, and no one has been able to release the lien and the title. I contacted them by phone on XX/XX/XXXX XXXX to validate the payoff, XX/XX/XXXX, XX/XX/XXXX XXXX and Supervisor XXXX, XX/XX/XXXX XXXX and Supervisor XXXX and then XXXX and Supervisor XXXX in Escalation Services ( who promised they will be released on XXXX ), XX/XX/XXXX XXXX and XXXX in Escalation Services who provided Case Mgt # XXXX, XXXX/XXXX XXXX. I tried to contact the XXXX and XXXX of XXXX in XXXX, XXXX through their web site. No response there. Then I found all the other complaints exactly like mine on https : XXXX. This is a nightmare and no one has been able to bring this to conclusion. I tried working with XXXX XXXX, the Finance Manager at the XXXX XXXX XXXX XXXX dealer where I got the car loan. So far, XXXX has not budged in releasing the lien and title for my car.
Product: Money transfer, virtual currency, or money service

Taking Payment from an un-selected un-designated account I have been a regular Paypal customer for years and recently changed bank accounts. I have provided alternative accounts to collect payment from and made them my " preferred '' account for Paypal to collect payment from. Paypal INSISTS on debiting my old account. 

I called Paypal 's customer service and the REFUSED to delete the account. " Payments are pending '' I said let them be refused as I had provided alternate account information for the payments to be drafted from. The CS agent was rude and unhelpful and then called me from their personal cell phone to harass me after I got frustrated and hung up. 

I called Paypal 's CS again today to have all my account information deleted and my accounts closed and I'll go to XXXX XXXX and the CS agent once again refused to help me stating that no one in the company can delete my account. I asked to speak to their supervisor and they left me on hold. I hung up after 10 minutes. 

We all know that last part is completely false. Computer information is deleted every micro second. 

I have been charged {$440.00} in overdraft fees from a bank account I did not specify to be drafted by Paypal after providing them account information to draft my payments from. I have tried to resolve this with Paypal directly but their CS is staffed with people that are unable to resolve the issue. 


Account ID : XXXX XXXX
Product: Vehicle loan or lease

Loans intrest is XXXX XXXX and I was told that the maximum intrest allowed in Florida was XXXX XXXX. The most of my payments I have made already have only gone to my intrest making it harder for me to pay off my actual loan amount!
Product: Student loan

My wife and I have been trying to have her student loans adjusted ever since we were directed to submit our income for the new repayment plan. We made multiple calls to Mohela and stated that we were unable to afford the new payment plan. Our repayment plan has increased by at least {$1000.00} per month ( combined ). Under the new SAVE repayment plan it was supposed to save us money it does not. We both tried calling the company and weve re-stated our income, defendants and updated all of our information. We always leave feeling the good when we get verbal communication that out loans will be reduced upon review. The new numbers are actually quite favorable and something that we can afford. However, in the case of my wife, we waited for at least a month, and we found out when payments were due that her payment had not been adjusted. I also phoned and asked for mine to be adjusted on the second call I did speak with someone that told me my payment would almost be halved - today XX/XX/XXXX. Im expected to wait up to 45 days for a response. In the meantime, Ive been offered a golden ticket forbearance. Im told interest will accrue but I cant say that Im delighted about it. I would much rather be making the correct payment each month! In the meantime, the payments I should be making drag on and affect my public service loan forgiveness. 

I can not understand why an organization that has requested and has access to our financial records, Can not make a determination over the phone on what our repayment plan should be. Im baffled as to why the online platform gives me far different numbers then what the advisor on the other end of the phone gives me. I also, somewhat expect that when I call an organization with financial concerns, itll be resolved quickly so that it doesnt cause any financial stress or worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ad Astra Recovery Services was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX  XXXX  was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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 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 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
Product: Credit reporting or other personal consumer reports

I've been going through this for years now. Inaccurate late payments are being reported. I've provided bank statements multiple times showing the payments were made. I've spoken to customer service on a recorded line XXXX of 2022 & was reassured the late payments were inaccurate & would be removed. I've suffered significantly financially because of these late payments being reported in accurately. My payment history was XXXX XXXX before this occurred. I've disputed multiple times & their " reinvestigation '' always comes back as updated but nothing in the report changes. My payments are {$370.00}. As you see from bank statements I've paid {$400000.00}.
Product: Checking or savings account

I have been getting a delayed deposit availability notice on my payroll check deposit slip since XX/XX/XXXX. The delay lasts 11 days with no funds available from the deposit for the full 11 days. I have been depositing this same payroll check for the last 14 years. I have been to the local Chase Bank several times for an explanation, but have not received a proper answer. The best they can do is manually release the hold if I complain. They will not supply any explanation for these holds. I am attaching a copy of my deposit slip from XX/XX/XXXX. It states funds will be available on XX/XX/XXXX. This has been happening for 9 months. I would like to know how they can keep the total deposit unavailable for 11 days without any explanation.
Product: Mortgage

This bank bought my mortgage and has not gotten anything right since they acquired it. The bank has failed to pay my property taxes on time XXXX. Then they paid my insurance bill when the insurance bill is not part of my escrow account leaving my account under funded. The bank was supposed to stop payment on the insurance payment and pay my property taxes but neither has happened. I have called and spoke with a manager who was supposed to fix all of this but never did. And now she refuses to call me back and no other manager will speak with me. Then the bank sent me a check for an over balance which it wasnt since they never paid my property taxes so now my taxes are not paid and there is no money to pay it and they re-evaluated my account and now I will be under funded for next years property taxes now also. No one will call me back to fix any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX XXXX XXXX about three accounts that is currently reporting inaccurately on my consumer credit file. XXXX took more then 30 days to investigate and i still haven't received any responses as to my dispute under the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I inquired and processed an application for a personal loan to consolidate credit card balances. This company processed my information via a " softpull '' credit report and without my knowledge or consent approved me for a debt restructuring program. I refused interest in the " program '' and the associate continued to bait me into the program with predatory intent.This was not the product applied for or authorized for my personal information to be used for. 
The predatory practices ( XXXX  calls, texts ) and misguiding information is questionable. A clear informative decision should have been communicated about the initial product ( personal loan ) before any other products are offered.
Product: Credit reporting or other personal consumer reports

this is the follow up of my complaint... I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX