23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As of XX/XX/XXXX CMG Financial released a check of {$8200.00} which never arrived. Upon not receiving till XX/XX/XXXX, CMG Financial released a second check on XX/XX/XXXX after stopping the first check. 

The second check hasnt arrived as of XX/XX/XXXX ( beyond 14 days committed time ) since it had been sent to incorrect address. 

CMG Financial had been updated with multiple emails with the problem since XX/XX/XXXX and in return CMG confirmed in written that it indeed had my correct address ( to which the loan had been granted and all other communications had been sent ). 

As of XX/XX/XXXX, CMG still fails to confirm of initiating the check payment to the correct delivery address and is ignoring to pay off {$8200.00}. CMG Financial has been incorrectly holding my escrow refunds for the last 3 months which is devoiding me of this capital and limiting my liquidity to pay my housing taxes.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$6.00} XXXX XXXX Balance {$26000.00}
Product: Money transfer, virtual currency, or money service

I used the company XXXX to make a payment to my golf club, XXXX XXXX XXXX XXXX. I made the payment using a credit card in the amount of XXXX and a transaction fee of {$170.00} for payment due on XX/XX/XXXX. It was an additional charge to make the payment for next day!!!! 

But, the payment to my golf club was not received until XX/XX/XXXX!!! And my golf club says that my payment was late and therefore as a result I was penalized. 

I want my fee paid to this company returned and the company fined!!! Imagine if the company did this every time XXXX times and how much the company would make by forwarding the payment two days later than promised!!!! 

I have proof of the payment and date of promised delivery of the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your letter on XXXX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid.

I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item.

According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary.

Furthermore, you have the ability to change the listing since you are the information furnisher.

Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP!

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Capital One to discuss the fee on my Venture credit card. I am not traveling due to COVID-19 and do not want to pay an annual fee ( {$95.00} ) for a card that I am not getting benefits from. I asked for my options, and they said they could not do anything until the annual fee posted and call back. I asked if could downgraded then and that they could prorate the annual fee if I decide to change products, and the customer service rep said " absolutely, no problem whatsoever ''. Fair, so I waited until XX/XX/XXXX, as I saw my annual fee posted on XX/XX/XXXX. I called without success to have the fee waived or get a retention offer, and when I tried to product change, they now claim that the fee can not be prorated! This is pure deception by Capital One, and is predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated Account XXXX XXXX XXXX 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  was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit card

AMERICAN EXPRESS CLOSED MY ACCOUNT AFTER SEVERAL PAYMENT. THEY WERE SUPPOSED TO ISSUE ME A CREDIT REFUND CHECK. I HAVE A LIEN ON THE ACCOUNT. I PUT THEM ON NOTICE THAT I REMOVE THEM FROM FIDUCIARY AND RECEVICERSHIP. I TOLD THEM I PUT THE IRS ON NOTICE THAT ANY DECISION WOULD HAVE TO BE ADDRESSED TO THE NEW FIDUCIARY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed account with XXXX before and yet accounts somehow are still being reported to them with violations in which theyre supposed to verify the accuracy of which the reportings are and remove them if found. XXXX XXXX XXXX is reporting inaccurate information on the reporting and even so reporting a past due on this account which is a violation per the FCRA. This is considered a collection account and collection accounts can not report a past due balance which in this case they are. This account also has inconsistencies with the balance being owed for XXXX {$3300.00} and TransUnion as {$3300.00}. They both have the same account number # XXXX but yet reporting different balances when theyre getting the same information from the creditor but differ. 

XXXX XXXX XXXX  Has another account for which its reporting a past due balance and is violation. Account number # XXXX which I will provide documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this!!
Product: Mortgage

Dear Sir/Madam, I hope this letter finds you in good health. My name is XXXX XXXX XXXX, and I am writing to you today regarding a matter of grave concern. It pertains to an unexpected and, in my view, unfair and unjustifiable increase in the interest rate on my mortgage, administered by my mortgage servicer, Loancare LLC account number XXXX. 

In light of the economic circumstances caused by the COVID-19 pandemic, I was fortunate enough to benefit from the provisions of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, which allowed me to enter into a forbearance agreement on my mortgage payments. The forbearance period, which lasted for 26 months, was a great help during the financial strain caused by the pandemic. 

However, after coming off forbearance, I received a modification notice from my current mortgage servicer, [ loancare ], stating that my mortgage interest rate had been raised from 3 % to a staggering 7 %. The modification letter offered no clear justification for this steep increase, nor was there any communication indicating such a change during or before my forbearance period. I proceeded to call loancare the current servicing company to complain about this increase. The initial representative asked me to reach out to the VA because they canceled the provision that allowed for the balance of what was owed to be put at the back of the loan ( partial claim ). However, I explained that I got off forbearance before the cares act ended in XXXX last year and before the VA stopped offering partial claims. I explained that the previous servicer ( XXXX  ) was actually working with me on the partial claim modification before my loan was sold to them. Loancare insisted I pay the 7 percent or sell my home.

This abrupt increase in the interest rate significantly affects my ability to maintain my financial stability and meet the repayment schedule. I am especially concerned because, as per my understanding of the CARES Act and subsequent regulatory guidelines issued by the CFPB, my mortgage servicer should not make such drastic changes without adequate notice and reasoning. I also understand that any increase in interest rates should be in line with my original mortgage contract or stated in the forbearance documents, which in my case does not sanction such a drastic hike. 

I kindly request the intervention of the CFPB in this matter, given the potential violation of the regulatory framework governing mortgage forbearance under the CARES Act. I would like to understand the reasons behind this increase and whether it complies with the provisions of the CARES Act and relevant mortgage laws. 
Enclosed with this letter, you will find a copy of the notification I received from Loancare, outlining the increased interest rate, along with a copy of my original mortgage agreement. 

I appreciate your immediate attention to this issue. It is my hope that, with your assistance, I can address this with my mortgage servicer and arrive at a fair and equitable solution. 
Thank you for your time and consideration.
Product: Credit card or prepaid card

XX/XX/XXXX To whom it may concern : This complaint letter is directed at XXXX credit card company. I called this company last year ( XX/XX/XXXX ) to close my credit card after paying it off. The customer rep asked if there was anything they could do to keep me as a customer to which I replied, No, I want the card closed. To date, the card is still open and active. Im sending this complaint to each of the credit bureaus and if the account remains open Im writing a complaint to the Florida Attorney General. 

Why would they continue to keep my card open after I requested it closed? I learned that the card was still active after I received an email last week stating that my card had been charged the XXXX annual membership fee. I called and had the charge removed. 

Their information is below : XXXX Customer Care PO Box XXXX XXXX XXXX, TX XXXX XXXX Please keep me updated. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I am a victim of fraud.The DOJ has convicted XXXX XXXX to XXXX yrs in prison for mortgage fraud. I happened to be one of his victims. I sent my short sale to BofA on XX/XX/2016. it was processed and XXXX XXXX the negotiator sent my realtor an email stating that until we get the fraudulent lien off the title BofA would not be able to process the short sale.My agent complied with BofA 's request and they turned around and set a sale date on my property for XXXX XXXX 2016. This is a dirty trick by BofA. I would like some help here in getting the sale date removed until I can get the fraudulent lien removed. My compliant number at the DOJ is XXXX : XXXX. The complaint was filed XXXX XXXX well before BofA declined my short sale because they did n't want my file to be in their que.
Product: Mortgage

Etrade Bank agressively marketed HELOC in XXXX. I replied and eventually signed loan documents for a HELOC on my primary residence. The line of credit was {$350000.00}. All payments were made thru the Etrade website, which was XXXX of their marketing tactics since the HELOCs were targeted for current Etrade customers. I already had a brokerage account, a XXXX IRA, a XXXX IRA, and a banking account. They sold me due to the fact that I could make payments/monitor the account online ... .all in XXXX place, with my XXXX user name, log in password, etc. I had excellent credit and was receiving many offers at the time. I went with Etrade for the convenience and because I knew Etrade to be reputable, responsible and had a well designed website and method for making payments, transferring money, etc. XXXX then took over the processing of the HELOC ; I was still able to use the website with the one username, password, and see all accounts in XXXX play. I did n't have any problems for the almost 7 years of making monthly payments thru their website. In XXXX XXXX, things changes drastically. I continued to make my payments the same way I had for years ; eventually I saw that my payment to XXXX had been put back into my checking account. I thought.. '' Well, that is strange.. '' However, by the time this had happened I had already made the next month 's usual payment in the same way I had for almost 7 years. Then, I get a threatening phone call from a company saying they were a debt collection agency, that they were taking legal action against me. I called the XXXX customer service number for Etrade and explained what happened. I was then told that a company called " XXXX '' was now " in charge '' of my loan. I said, " What does that mean? My loan is with you. '' He agent replied, " I do n't really know..I do n't really do HELOCS '' I said, " Okay, can you connect me with someone who DOES " do '' HELOCS '' He said, " Mamn..there is n't anyone. You have to call XXXX. '' I said, " Did XXXX buy the loan portfolio or are they just a servicer? '' He said, " They bought it. Well ... maybe they did n't ... '' I said, " Etrade is a reputable company. I 'm sure there must be somone who has been designated to oversee the transition for the customers. '' He said, " There is n't ''. I then called the corporate office, explained my situation to the person hired to funnel calls and she came me the name and number for an employee who would " know what to do ''. After more than 2 weeks of speaking with this person, my problem with XXXX continues.
Product: Checking or savings account

XXXX XXXX I tried to unlock my card to be able to use it when the chime app had told me my account had been closed and provided me with a number to call for further questions I called the phone number to be told that for security purposes they would not tell me why my account had been closed or give me any information when asked about recieving my remaining funds that were in the account when it was closed I was told my account was ineligible for a refund and that they could no longer assist me please help I just want my money back every time I call they say they cant help and hang up they have refused to even let me speak to a manager I havent done anything different with or to my account that I havent been doing and Ive been with them for years what is happening???
Product: Consumer Loan

About 4 1/2 to 5 years ago this XXXX lady went to XXXX dealership to buy a car and trade her van in on it and when she did n't get the vehicle she wanted they hid her van and sold her a car she did n't want for XXXX some odd dollars she took the XXXX because they refussed to give her van back that was wrong and now they are over charging her for this XXXX that XXXX said was paid off so later they repossessed the XXXX and charged her towing fees and more payments in order for her to get the car back. She once had XXXX dollars in her account at XXXX XXXX and now she has nothing because TD Finance Bank just continuing to charge her more and more money and I think that TD Finance owes her XXXX XXXX dollars plus back for upsetting her and over charging her and stressing her out. Please end this war with TD Finance Bank and Stop them for over charging everyone that is doing business with them!!!!
Product: Mortgage

The offending mortgage company is XXXX XXXX. They didn't pay my XXXX XXXX and then the policy expired. There was a storm in the XXXX, I was worried about reinstatement, so I called my XXXX XXXX and paid for the policy on my credit card in the amount of {$5900.00}. I sent the reinstatement letter and proof of payment to Shellpoint on XX/XX/XXXX and asked them to rebalance my escrow and send me a check. I followed up a month later with multiple phone calls and eventually spoke to someone knowledgeable. They verified everything and had me provide the insurance reinstatement documents to them directly. They confirmed receipt and assured me that it would be reviewed and a credit would be provided. A month later I got an escrow annual summary and they showed an " Anticipated Payment '' where they paid my insurer instead of an ACTUAL payment which was {$0.00} ( I paid them ). I assumed it was all big company right hand / left hand type issues that would take them time to resolve. I then got a letter saying my loan was sold to XXXX XXXX. Shellpoint now refuses to talk to me about it and XXXX says they can only go by what Shellpoint reported to them as my escrow balance and that they do not have an obligation to verify that the escrow balance is correct. Please help.
Product: Credit card

I 'm trying to utilize the law that states I can request my payments to be allocated to my upcoming ( 0 % 12 month interest free ) balance transfer due date ( 2 months prior to due date ) so I do n't incur interest but Chase is stating they do n't have to do that. They still put it, along with the regular purchase balance due payment they require, to my regular purchases then toward the 0 % balance transfer. They sent me letters stating they are within the law. Can you help me? XXXX followed the 2 month prior rule so I assumed Chase did too, they have caused me large amount of stress.
Product: Debt collection

I voluntarily turned in a vehicle in 2013. After the sale of the vehicle the balance owed was XXXX. The finance company continued to charge interest fees and they are showing the XXXX
Product: Credit reporting or other personal consumer reports

Request to Block Fraudulent Information Due to Identity Theft Under the FCRA I am writing to formally inform you that I have fallen victim to identity theft, resulting in the presence of inaccurate or fraudulent information on my credit report. Under Sectio

n 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I request that this information be blocked from my credit file immediately. The FCRA requires credit reporting agencies to block information identified as resulting from identity theft within four business days of receiving the following : 1. A valid identity theft report ; 2.
Identification of the fraudulent information on the credit report ; 3. A statement from the consumer confirming that this information does not pertain to any transaction they authorized.

I trust you will act swiftly in accordance with FCRA Section 605B to block this information from my credit report. Please provide written confirmation once this action has been completed.

Thank you for your immediate attention to this matter.
Product: Debt collection

XXXX  XXXX out of XXXX XXXX continues to call and leave messages for a XXXX XXXX on my phone. This is not his number, nor do I have debt with XXXX XXXX. They call every other day and leave messages for XXXX XXXX and I do not know how to contact him. I have contacted the company to stop, but they do not stop.
Product: Credit card

In XXXX I ordered some Items, using my Discover card for payment. The merchant listed the items as delivered when they were not. After contacting them several times the delivery was made and some items were listed as included but they were not. I requested to return the packages, and the company did not respond, after several attempts, I contacted Discover Card XXXX and filed a dispute. 
The merchant responded, apologized for the delay, and provided me with two return labels, generated by their company, with instructions for the return. 
And the promise of a full refund would be processed. 
I uploaded all correspondence to Discover card XXXX with full proof of the return, all emails, return shipping labels, drop off receipts, and confirmation of return delivery with tracking number. 
Discover Card XXXX  has refused to accept the proof and is claiming the charges are valid. and I am responsible for the payments. 
I have contacted Discover card 4 months with no results