23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company is Lakeview Loan Servicing , LLC and working with this mortgage company has been a nightmare. It's impossible to speak with a representative, my account is constantly wrong, and when I report these issues to XXXX, they report my account to the Credit agencies. My credit is not high enough to switch to another provider. 

My calls with XXXX began in XX/XX/XXXX as I noticed my mortgage payments had quadrupled. I was able to speak with a XXXX Representative in XXXX, who instructed me to contact my countys City Government and request a corrected tax bill. Upon sending the tax bill to XXXX, I could then request an escrow analysis ( theres a credit on our tax account ). Upon updating the escrow, this would change our mortgage statement. I complied and was successful in getting a corrected tax bill from my City Government. 

I sent emails to XXXX from XXXX - XX/XX/XXXX as well as several letters via the XXXX Postal Service in XX/XX/XXXX to request corrections, so that I could make payments. I have not received any response from XXXX, other than auto-generated emails and incorrect statements, and letters indicating that I moved ( which is odd, as my address has been the same since XXXX ). 

XXXX has not been responsive in updating my escrow account or my mortgage statements. This is the second time we experienced this issue. The last time was in XXXX. I have called several times only to be on hold for 30 minutes to an hour. I have been transferred only for my call to be dropped or just to be on hold again. 

XXXX sent someone to my home. However, I did not receive a call or anything to indicate when someone would come to my home. I work outside of my home, and normally, companies provide a window when a representative would visit. 

A corrected tax bill from my countys CFO - Tax and Revenue office was submitted to XXXX and I requested that XXXX contact my countys government office ( this information was included ), to get a refund for the escrow. 

I asked that XXXX credit my account and issue a corrected mortgage statement. I sent proof of a corrected tax bill from my Countys office of tax and revenue. I sent instructions on how XXXX should request the refund. I also requested removal of all late fees as well as negative comments on my credit report. Instead, I received an email stating that my address changed ( although I have lived in my home since XXXX ). If they can send the statements to my home, why would it be assumed that my address is different? Working with XXXX has been a nightmare that I wouldnt wish on anyone. I am reporting their practices, because it has been very difficult to communicate with them, receive help, and get answers.
Product: Credit reporting or other personal consumer reports

XXXX joined in a bankruptcy XXXX for adverse actions against a person under bankruptcy XXXX protection filed with Experian credit which shows discharged debt and reported assets violations withheld property awarded and protected to XXXX XXXX XXXX. Reporting it as cleared in XXXX bankruptcy XXXX discharge but the agencies continue illegal actions against XXXX XXXX XXXX which paid a fee and caused damages to credit by listing it twice 11 USC 562 the second notice was to Division of Child Support XXXX but they continue to falsely report. XXXX XXXX XXXX was CP under protection of a stay with an Injunction and XXXX XXXX XXXX told lawyer a transfer of assets was prohibited. 11 USC 562 under bankruptcy laws it's considered fraud. Exhibit Reply to combined email from XXXX XXXX XXXX  copy Exhibit XXXX to exhibit XXXX XXXX XXXX summary judgement XXXX XXXX XXXX XXXX XXXX XXXX. Bankruptcy XXXX, Bankruptcy XXXX XXXX XXXX. Letter from United States Department of Labor XX/XX/XXXX XXXX Experian credit report XXXX XXXX XXXX is seeking relief of over {>= $1,000,000}. at {$2000.00} a day for Contempt of Adversary Proceeding Actions XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen twice in XXXX  which I later filed FTC reports, there was a XXXX XXXX XXXX foreclosed home ( XX/XX/2018 ) on my credit report valued at {$190000.00}, with a zero balance, with a message, " Thank you for paying off your loan '' attached to the comments, then was later changed to a REDEEMED FORECLOSURE, also with a zero balance, nothing owed. I was told, I'd get a call from their Fraud Dept, but no one called and I keep getting swithed over from dept. to dept. Finally got a Fraud # but it just rang and rang. No one picked up. 

I've made SEVERAL FTC reports and many phone calls to XXXX XXXX XXXXXXXX... calls to XXXX  that has divulged they have NO RECORD of ANY FORECLOSURE in my name in their system, yet it remains on my credit report, yet somehow, the credit bureaus claims it was " verified '', which is utterly FABRICATED. 

This fraudulent account on my credit report is ruining my Finanacial relationship with potential new creditors and I would like it removed from my credit report, immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX an amount of {$230.00} was reported late on my credit report In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

In XX/XX/2015 I hired a law firm to do a modification on my loan because I was having problems with my mortgage payments from XX/XX/XXXX to XX/XX/XXXX I did 3 trial payments XX/XX/2015 was my 1st normal mortgage payment, in XX/XX/2015 my mortgage company made a mistake applying my XX/XX/XXXX payment to the mortgage principal And they admitted to the mistake and they told me on a recorded phone conversation that they were going to fix and reverse there mistake, then around 8 months pass by and I get a call from the mortgage company telling me that I am pass due 1 month due to the monthly payment they did n't recived back in XX/XX/2015 the same payment they admitted they made a mistake on in that same call they told me that they were going to open an investigation regarding this matter they told me to wait for a call from there supervisor, I get many more calls from many persons from this mortgage company all of them telling me that I am pasado on up to 2 monthly payments when I sent them proff that I have sent all of my payments on time. I have never heard the results of there many investigations that they have performed on my situation. Since then mi credit score has dropped a lot and the late fees keep on staking up. Thanks
Product: Debt collection

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated XXXX timeframe. How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. I want to make it unequivocally clear that I am not about to let this gross XXXX of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation. I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 It is paramount that we resolve this matter promptly, within the 5-day timeframe mandated by law. I demand immediate action and a written acknowledgment of this dispute letter. My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/202XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance XXXX : {$5800.00} XXXX XXXX XXXX XXXXXXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I lived in a XXXXXXXX XXXX from XXXX XXXX XXXX. I lived in the unit with my sister and two other girls that I didnt previously know. My sister and moved out on XXXX XXXX because our lease ended on the XXXX. The two other girls left a lot of their personal belongings behind, including a vacuum, blankets, and all of their food in the fridge and the cabinets, and did NOT clean the common space we all shared, which was the kitchen and living room. My sister and I cleaned the kitchen floors and wiped the counters and cleaned out the section of the fridge we used. They hadnt been in the unit all summer, so we didnt know if they had officially moved out or not, but we also did not feel like it was our responsibility to clean up after them and discard of their items. We got move out statements in XXXX, and saw that we were being charged for cleaning and painting. The cleaning was due to our roommates items being left behind. The complex also said there was chipped paint, which is normal wear and tear. I sent a text message to the girls trying to figure out what was going on, but no one responded. Under Texas Law, landlords can not charge tenants for normal wear and tear, and chipped paint falls under that category. The pictures they sent do not show any severe damage, nor do they justify the charges. We didnt do anything to cause the paint to chip, thats what normally happens after time. The pictures they sent do not show any severe damage either. None of this is intentional or abnormal damage
Product: Debt collection

They have called 3 days in a row I asked them to stop calling me I explained I am XXXX and in foreclosure and will be filing bankruptcy They said they will note the file. The 2nd day they hung up on me when I tried to explain what happened the first call. Today they threaten me with wage garnishment bank garnishment. I tried to tell him to read the note from the first call he would not listen. I cursed him out with stop calling me. They have called 3 days in a row and get more persistent. each time
Product: Credit card or prepaid card

I filed a claim with Ultamate Rewards Mastercard : Comenity Bank on XX/XX/2019 for {$600.00} against XXXX  XXXX XXXX for not delivering services as agreed that I had to pay-in-full. 

1 ) I could not speak with a Rep in the Claims Dept. I had to speak to the Cust Care Dept who had not one clue as to what was going on as they are NOT the claims department. 
2 ) I had to submit ALL my correspondence via the online messaging center and I sent them every piece of proof I had that XXXX  was in breach of her written agreement to have made 90-180 posts in which she only did 13 and  caused me to miss my book promotion deadline. 
3 ) Comenity Reps sent me an email the first time saying they did not have enough information and closed the claim. I had to call them back and speak with a Customer Care Rep who agreed to reopen and had me to resend my emails that I had already sent prior. 
4 ) I received another email saying they considered the matter closed as the receipt stated all services are final and there are no refunds. How can that be legal when XXXX did NOT deliver as she promised, as per our agreement when she demanded I pay her in full. 
5 ) The claim had to get re-opened as a Supervisor looked into it after another supervisor refused to listen to me and told me it was not their problem and I needed to take it up with XXXX  as I paid the charge and that meant I agreed to her terms and I had not proven my case. 
6 ) Comenity still agreed with the merchant and reversed the temporary credit saying her services are final and the charge is valid per the terms. What terms? She said she would post 2-4 times per week for 45 days, including promoting my book and graphics in which she did not. The Cust Care Rep would not transfer me to the claims department as he said there is no way to do so. Comenity never even gave me the chance to provide a rebuttal and closed the claim without even granting me the courtesy to clarify anything. 
7 ) Not being able to speak with an actual claims representative and the vague email replies are not convenient and very frustrating.
Product: Debt collection

Dyck O'Neal sent me fraudulent documents and information one page on his lawyer letter head and the other on a blank sheet of paper, trying to negotiate a settlement that supposed to have happened in XXXX. After XXXX XXXX  XXXX sent him letter that he was in violation of the FDCPA. Without my knowledge his attorney put my house in the legal news. Never posted or follow the XXXX XXXX Foreclosure Process or Timeline. Dyck O'Neal presented more fraudulent. After we started going to court. My attorney wouldn't present the articleXXXX XXXX  XXXX XXXX XXXX XXXX Foreclosure of Mortgages that I had given XXXX XXXX before she came to court. XXXX XXXX. She I didn't know how to do Zoom and put info in the court system. That's when a more fraudulent and blanked out documents enter Circuit Court without knowledge. I haven't spoken to my attorney since XX/XX/XXXX. I didn't know all of fraudulent info were in my files until she to resigned..
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing multiple accounts with XXXX XXXX XXXX. i have tried disputing directly with them and they have failed to answer me. XXXX XXXX has attempted to take me to court, After requesting for proof that i was the account holder lvnv funding has failed to answer the court. The case was dismissed due to XXXX XXXX not able to verify this debt. If the courts can not get XXXX XXXX to answer, there is no way your company has actually completed a fair investigation. how can you verify an account if the courts can not verify an account in a court case? I demand for all accounts listed under XXXX XXXX to be removed from my credit report or i will file suit against your company for inaccurately reporting on my credit report. you can find the dismissal from the judge attached.
Product: Credit card or prepaid card

incorporate prior case numbers by reference : XXXX & XXXX We, as the consumer, are still trying to seek information from Truist. Specifically, if we, as I previously tried to obtain, had the information regarding the time of the transactions and the location of the vendor where the fraud was committed, we could, for example, file a police report in XXXX, SC. Truist refuses to complete a " reasonable investigation '' into the fraud committed on our credit card ( specific charges specifically identified in prior case numbers ). We did not make these charges. 

Additionally, we went into a local branch of Truist bank to try and obtain the aforementioned information, and which card was specifically used for each transaction, and they said a representative would contact me and that has not happened. Our online account showed the transactions for both card. The online banking does not differentiate b/t the XXXX cards. 

With kind regards, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had 2 promotional purchases with XXXX XXXX and I made an extra payment of {$410.00} and planned to payoff the first promotional loan. But instead of crediting the {$410.00} they applied it as a charge to my account. Because of this I missed my promotion deadline and they charged me an additional {$190.00}. 
I owed {$790.00} on a promotional purchase that was going to expire XX/XX/2023. So in XXXX of 2023 I made 1 payment of {$340.00} on XX/XX/2023 and another extra payment of {$410.00} on XX/XX/2023 trying to pay the promotional and avoid interest fees. 

So on the XXXX statement, Instead of applying the {$410.00} to the promotional amount they applied my payment as a charge and the promotional purchase went up to {$1100.00}. 

I called them several times and they said they would fix it but nothing has been done. They told me to keep on making the payments. As a result, the promotional purchase has expired and I was charged an additional {$190.00}. 

So they owe me a total of {$600.00} and I dont think anything is going to get done. I opened a complaint with them but nothing has been done.
Product: Credit card or prepaid card

On XX/XX/19 I applied for a XXXX XXXX XXXX  XXXX credit card issued my XXXX XXXX. A credit report was pulled on my XXXX  and the message was wait 2 weeks. Today XX/XX/XXXX I received a letter stating there is freeze on my XXXX  report and they are unable to verify my credit history with other credit grantors. Well the fact that they pulled my XXXX  report is clear they were able to verify my credit history. Since they said they couldn't pull the report they wanted to use I want to remove the one they did pull and didn't use.
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 U.S.C 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Has violated my rights. 

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then 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 of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I'm writing this letter to seek assistance regarding a recent unfair, and in my judgement, unlawful treatment I experienced at Freedom Mortgage. 

I was referred to XXXX XXXX XXXX XXXX by one of XXXX XXXX XXXX. We met at a XXXX XXXX XXXX on XXXX XXXX, NY on XX/XX/2019. 

XXXX XXXX glanced over our tax returns, pay stubs, bank statements, w-2 's, etc. He immediately, verbally, approved us for around XXXX without putting any information/ figures into his computer. 

He stated he would send out our pre-qualification letter next day. He then told us what differentiated him from other big lenders was the ability to waive ALL fee 's associated with closing cost except state fee 's and taxes. 

After a few months of house shopping we finally found the one. On XX/XX/2019 we met with our attorney and received an estimated closing cost of {$27000.00}. 

On XX/XX/XXXX, we were in contract and reached out to XXXX to begin the mortgage process. We sent out all requested documentation. On XX/XX/2019 we received a closing cost worksheet, from XXXX, around {$27000.00} as we expected. 

Through out the two months our mortgage was being worked on, XXXX disappeared. We were left in the dark. We were expecting a walk through during this whole mortgage process with updates as needed. We were consistently writing emails and texting to find out what was going on. It was very difficult to get a response and if we did, it was a one word answer. 

Around mid XXXX we spoke with XXXX again double checking our closing cost fee 's. He reassured us it would definitely be a lot less than the {$27000.00}. 

Now it's XX/XX/XXXX and we receive an email from XXXX about origination fee 's costing 1.529 % and we are locked at a rate of 4 %. We are due to close the XXXX of XXXX. 

Our closing cost fee jumped from {$27000.00} to {$39000.00}. {$12000.00} more than we anticipated. This was very alarming. We referred back to our commitment letter and the origination fee to Freedom Mortgage was only {$1200.00}. This was a very distressing experience as first time home buyers. 

It was never explained to us what locking a rate meant and when it was a best time to do so. It was never explained to us we would incur a {$10000.00} origination loan fee nine days before our closing date. 

I feel XXXX had an moral obligation to disclose all fee 's up front. He robbed us from the opportunity to compare prices with other lenders, robbed us from the excitement of owning our first home, robbed us of our rights. 

I did some research and I see there are laws in place to help protect consumers like myself against deceitful, untrustworthy mortgage officers.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report. The address listed is not associated with any account of mine, and I believe it has been reported in error.