23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased a new home in XXXX, XXXX. Our mortgage company is ServiceMac. Our house was taxed that year as an empty lot ( {$600.00} ). Our mortgage company gave us an option for them to pull higher escrow during our first year to combat any significant mortgage increase after the first year our house got taxes as a home ( XXXX ). We said yes, please take more to have us not have a huge increase in our mortgage/escrow. The company told us that their estimating team estimated our XXXX taxes would be $ XXXX and pulled escrow accordingly. Our XXXX property taxes ended up being $ XXXX, XXXX more than their estimate. Because of this, the company is now raising our mortgage 25 % ( from {$4100.00} to {$5100.00} ) to make back their underrun ( understand that ), and to pay our XXXX bills, PLUS would be holding on to another $ XXXX $ XXXX to have a future buffer in escrow. 

Because of their mismanagement of my escrow account, I would like to close my escrow account ( after getting to neutral and paying them the amount that the account is currently overrun by, which will only be {$400.00} as of XX/XX/XXXX ) so I can manage my escrow myself. They have denied me because my loan has not been with them for 5 years and because my remaining loan balance has to be 80 % or less of my original appraisal amount. I'm not sure why those are two legal thresholds to force me into keeping an escrow account. I just want to manage my own bills and the company will not let me.
Product: Credit reporting or other personal consumer reports

My privacy is being violated by EXPERIAN, XXXX & XXXX, these company 's are reporting personal information, accounts, and one inquiry that is reporting inaccurately on my consumer report, this is identity fraud as I the consumer, did not consent. In pursuant to 15 USC 1681b2 these company 's are violating my privacy rights and consumer rights. In addition, EXPERIAN, XXXX & XXXX are also reporting late payments, on my consumer report accounts violating 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ). Also, after further investigating further it looks like EXPERIAN, XXXX & XXXX deleted accounts off my consumer report, claimed to have done a proper investigation and then reinserted the deleted accounts back on consumer report resulting in even more discrimination. This is a violation of 15 USC 1681a ( e ) as these company 's do not have any right to perform an investigation. and violated my rights are the consumer and natural person, as I did not verify the accuracy of these items 15 USC 1681 i ( 5 ) B ( i )
Product: Credit card

Dear Representative, I am writing to move forward with a formal complaint against Capital One Dispute Department. My mother had signed up for a free trial with XXXX from XXXX XXXX XX/XX/2024. I permitted her to use my credit card to create an account and sign up for a free 30-day trial. On XX/XX/XXXX, my mother informed XXXX that she did not want to sign up for a yearly subscription and notified XXXX to discontinue the service once the trial was over by selecting a discontinue box on their website. XXXX automatically charged an amount of {$100.00} on XX/XX/XXXX to my credit card despite the request to cancel the service. XXXX has refused to process a refund. After speaking with them, they informed me that the service was canceled but because it was not canceled within 30 days, they will not issue a refund. There were several attempts made to cancel the service over the phone within those 30 days. Every time an attempt was made to resolve the charge with XXXX, the merchant did not answer the phone, and my mother and I endlessly waited on hold. 

I submitted a dispute case on this charge for the full amount to Capital One Customer Care Team. Capitol One issued me a temporary credit on XXXX and opened up the investigation. On XXXX, my dispute was denied by Capitol One because the merchant responded and told them I authorized the charge. I made a second attempt to re-open the dispute and sent documentation that I did not authorize the charge which was denied again by Capitol One. On XX/XX/XXXX, I called Capitol One and spoke to a fraud specialist who canceled my card and re-issued me a new card so that XXXX would not be able to make future charges to my card. The specialist reviewed my case and understood the frustrating situation with XXXX. She told me to submit anything I had that showed proof that the subscription was canceled. She acknowledged per my last dispute letter that I was not informed of a refund policy at the time of the sale. She told me that once I re-submitted a dispute with an email from XXXX showing a confirmation of cancellation and a letter stating that I was not made aware of a refund policy at the time of sale, Capitol One would re-open my case and re-apply the credit of {$100.00}. I submitted this documentation on XXXX. On XXXX, it was denied a third time by Customer Care and they are refusing to open the dispute case. 

I had provided supportive documentation the fraud and dispute specialist asked for, such as an email showing proof of cancellation/return, a dispute letter that described how I made several attempts to resolve the dispute, and an email that does not inform me of the refund policy at the time of sale. Capital One refuses to re-open my dispute and help me get my money back for a canceled service. At this time, I am requesting that a complaint be filed against Capitol One and a resolution be reached.
Product: Student loan

I recently submitted a complaint about how my loans were handled by Great Lakes. I received their response, and feel that they didn't provide responses to all of my issues. Since I didn't feel they were clear, and neither did a family member, my family member called this past XXXX  XX/XX/XXXX to try resolve what outstanding issues I had. First, The manner in Great Lakes does reporting of the loans payments and interest being applied is quite confusing and borderline deceptive. Its difficult to see a true balance of the loans after a payment. With every other creditor I have, I can see exactly what amount I paid, how it was applied, and an ending balance. I don't see this with my loans with Great Lakes. It is quite confusing to track and follow a loan, when the creditor doesn't show a true balance after payments are applied. Secondly, my account summary indicates I have XXXX payments remaining. During the call on Friday XX/XX/XXXX, it was learned that I have XXXX payments remaining but ONLY if I pay {$540.00} for XXXX months and $ XXXX for the remaining months. There is no place on the account summary that displays that information. That is very deceptive and misleading on my account. Thirdly, there is no place on the website that alerts me to recertification and the process. If the recertification process is important it should be outlined and dates of recertification should be clearly visable to the consumer. My family member was told that I would get an email XXXX days before it is due. Why doesn't Great Lakes reveal a date, and why is when you call in, they say " XXXX days before its due ''? Why is this not listed as a " DATE ''. I can put a date reminder on my calendar, but its clear that a date is vital in the capitializled interest process. The previous response did NOT outline a date, and neither did the call rep until we insisted on a date. Why do we have to insist on a date, and why didn't the person responding to my previous complaint list a date? Again, a person can't help but feel deceived. Lastly, I show a payment was made on this account of {$500.00} on XX/XX/XXXX and I don't see it listed on the report that was sent to me with my previous complaint.
Product: Debt collection

This is reporting in violation of my rights. I would like this removed from my credit. Otherwise, please provide me with your documentation showing that this account does indeed belong to me.
Product: Credit card or prepaid card

I have had my Walmart Credit Card since 2016, good standing and great payment history. Walmart was recently bought out by Capital One. Within a month of changing over accounts, capital one completely closed my account with no notification and I still have a balance. I contact them to see what was the problem and they stated because of a previous account I had with them which was only late or return payments when I was laid off work. Although my history has been great these last 3 years they still closed my account. I'm very upset because I couldn't get the job I was going for due to my credit score decreasing because of this card. Capital one is very horrible with customer service, they do not care about their customers and charges extra interest on everything. They're still charging me interest on a closed account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate or misleading information contained in my credit file, specifically concerning an unauthorized inquiry that had been reported. I did not request this lender to inquire about my credit report, and I am concerned about the accuracy of the information.XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Website and Mobile application both have my " Browse offers we've selected for you '' section have an offer listed that im trying to take advantage of. Both electronic avenues just said " thank you '' when attempting to get a referral. The offer states " Earn up to XXXX bonus points per year '' by referring a friend. I have called 3 times to inquire about the error with no resolution. I have also advised 2 CSR 's and 1 Supv of the situation including having screenshots of the writing on both the mobile app and full site. Chase made no effort to correct or rectify the error and advised we can not assist you.
Product: Credit reporting or other personal consumer reports

My information was bought and sold illegally because I was a victim of XXXX data breach.I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothin.please help me delete these illegal accounts from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, In 2015 I filed for chapter XXXX bankruptcy. Since I filed- XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have not been reporting correct information to the credit bureaus. They list charge-offs after my bankruptcy up until as recent as last month. They also were reporting an accurate payment in past due amounts shortly after I filed for bankruptcy. 

I filed a dispute the dispute came back and nothing was corrected in fact it was made worse. I contacted the credit unions and they basically told me everything was correct. I spoke with XXXX at preferred credit Union who is the head of collections and she said the information was correct there was nothing she could do. I spoke with the team at XXXX XXXX and they said the same thing. 

It is my understanding that they can not report charge offs after I filed for bankruptcy. I would like this information corrected. 

I contacted my bankruptcy attorney and they suggested that I file a complaint. So that is why I am filing this complaint today.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC1692 ( A ) 4 I XXXX XXXX, I AM THE ORIGINAL CREDITOR-IN-FACT/ALL PERSONAL DATA AND SIGNATURES HOLD AN UNLIMITED VALUE/SO CALLED CREDITORS LISTED ARE DEBTORS IN FACT/XXXX, XXXX, EXPERIAN, THE DEPARTMENT OF EDUCATION AND FEDERAL STUDENT AID DOES NOT HAVE MY EXPRESSED CONSENT TO MY EXPRESS WRITTEN CONSENT TO FURNISH MY DATA/SEE UCC CERTIFICATE NUMBER XXXX ORDER NUMBER XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All hard inquiries on my credit profile are fraud and I dont recognize. Please dispute all hard inquiries to validate permissible purpose.
Product: Credit card or prepaid card

I want to open a complaint against Elan Financial Services which is located your state. About three months ago it appears XXXX Credit Card went from Visa to Master Card. As it happens, I had set up auto-pay on my account to handle payments. Lo and behold, Elan Financial took over payments processing unbeknownst to me and it appears my auto-pay process was nonexistent. Now, to add insult to injury they called me after the 30 days but not before and they reported the late payment to the credit bureau. I have a stellar payment history with XXXX credit card and these people are known for this type of behavior. I was told that I needed to dispute their reporting of past 30 day due with the credit bureau myself and that they would not guarantee that Elan Financial would side in my favor, despite the fact that in the migration the autopay did not migrate. I was also charged several late fees and which some were removed but not all of them. Also, when I asked why I was not called on the phone and XXXX said that they would not call. However, they waited past 30 to call, coincidence probably not. XXXX said they initial send email and post mail, now when I check my emails under XXXX correspondence, I did not have any emails. Then, XXXX said that it might be under a different email, so I need to know that as well. It is my opinion and based on their reviews that Elan Financial is the business of destroying customer credit and charging late fees.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX XXXX sold the debt to XXXX Loans. 

XX/XX/XXXX, XXXX XXXX balance shows XXXX. 

Proof : XXXX ) I have a letter from XXXX indicating there is no balance with them, yet they are still reporting a balance of over XXXX. 
Transunion is ignoring the hard documentation issued by the XXXX. 

XXXX ) XXXX portal shows no balance as of XX/XX/2023. 

Disputes Resolved disputes You've previously resolved 10 disputes with TransUnion You've previously resolved 10 disputes with TransUnion DEPT OF ED / XXXX Submitted on XX/XX/2023 Not Changed DEPT OF ED / XXXX Submitted on XX/XX/2023 Not Changed
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report, I have identified XXXX inaccuracies reported by TransUnion, which are in VIOLATION of my rights as a Federally protected consumer. I filed an identity theft report on XX/XX/XXXX, indicating that an individual has falsely assumed my identity in relation to a bankruptcy filing. These items must be promptly removed due to inaccuracies in reporting, as mandated by 15 USC 1681e subsection b, which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Furthermore, in accordance with the Privacy Act of 1974, No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 
The company has to provide me with the date, time, name of the person spoken to, and my wet ink signature authorizing the furnishing of this disputed information. 
If this information is unavailable, immediate removal is imperative. I am not requesting verification of the accounts ; rather, I am demanding compliance with the law, given that an identity theft report has been filed with law enforcement. Notably, this information is NOT being reported by other major credit bureaus, as evidenced by the attached documents. 

Failure to comply with the law will leave me no choice but to pursue LEGAL ACTIONS for these violations.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit card

I applied for the XXXX XXXX XXXX issued by Synchrony Bank on XX/XX/2024 and XX/XX/2024. Both applications were denied due to a security freeze at XXXX. I contacted XXXX and checked my credit report to confirm that no security freeze was in place at the time of applying.
Product: Credit card or prepaid card

A transaction was cancelled in the amount of XXXXThis was an order for a pair of shoes thru XXXX XXXX.The order was cancelled within 2 minutes after it was placed.The transaction went thru using XXXX. 
American express put a hold on my account for XXXX on XXXX XXXX.This was supposed to be released by Amex today XXXX.They have not.Now they are blaming XXXX XXXX for the hold. 
I spoke with multiple people from Amex, including a person maned XXXX that stated hes a supervisor.All he did was lied to me regarding the issue. 
There's no reason for Amex to lied regarding availability of funds. Its terrible that they DO NOT PROTECT credit card holders from fraud, when they are the guilty ones!!! The XXXX its fraudulent charge and I want the money back into my account. No excuses. 
In closing this is not the first time that I had this issues.10 days ago, I made a a purchased and they charged ( amex ) twice.I had to spend many hours with them to get it resolved.
Product: Mortgage

JPMCB XXXX is reporting on my personal credit file. This is showing to be late but it also says its been transferred. Additionally, the balance is already {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( JPMCB XXXX XXXX )
Product: Student loan

XXXX XXXX XXXX ( a unlicensed debt collection agency ) on behalf of Transworld Systems and XXXX XXXX XXXX XXXX XXXX filed several lawsuits that resulted in default judgements between XXXX-XXXX and one lawsuit in XXXX/XXXX where I was provided with incomplete information showing ownership and chain of custody. This deceptive information included an affidavit stating that XXXX owned the loan in question along with a promissory note and other documents. I have never been given the requested chain of custody/assignment that shows XXXX owns the loans in question per y numerous requests. I have filed unsuccessfully motions to set aside these default judgments. I have since been garnished of both my state income refunds and paychecks. I have received debt collection letters dated XX/XX/XXXX & XX/XX/XXXX from Transworld Systems and XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding these loans. XXXX is a servicer who is reporting these loans on my credit report as of date that included incorrect information. XXXX stated in a prior complaint filed with CFPB that they only have information from when they obtained these loans in question in the years XXXX-XXXX, however, upon calling XXXX they were the servicer on all loans upon date of origination on all loans in question. XXXX is reporting on my credit report to contact current furnisher, without knowing who truly own these loans its impossible to do so.
Product: Debt collection

LVNV funding never provided me a dunning letter. I tried several times to get them to provide proof of the debt with them and they have not been able to provide proper proof. I also recently had dispute comments removed from my credit report and LVNV funding has placed them back on there without my consent. I demand that this account be removed from my credit reports asap
Product: Credit card or prepaid card

On XX/XX/2021 my CitiBank credit card was used for a fraudulent {$1200.00} charge which Citi alerted me about, canceled my card, and said I would not be held responsible. After over 1 month and 4 phone calls to Citi the charge is still on my card and my account lists it as being settled and that I am being held responsible for the charges. This is despite the fact that every time I call the operator tells me that according to their system the merchant already refunded the {$1200.00} to my account, it just isn't showing up for an " unknown reason ''. I have called 4 times and have been told this every time, I've also been told it will be resolved in 4-7 days every time I have called ( which it has not ), I've been told it will be correct on my statement at the end of that billing period ( which is was not ), and 3 of the 4 times I've been told someone else has to look at it and I'm transferred to a phone number that hangs up after 2 rings. 

At this point Citi has made it clear that while they have recovered the {$1200.00} they are making no effort to refund it to my account, which sure seems to be some form of fraud or theft.
Product: Mortgage

I had been denied from 2 other mortgage companies to purchase a home. Listing agent wanted me to get a 3rd opinion from her preferred lender which at the time I was not aware they were close/best friends. 

In good faith I sent lender all my personal information to overview the file. And ask to not run my credit if there wasn't a good chance at getting approved. After reviewing the file, he verbally told me over the phone that I wouldn't qualify for a conventional loan. He then told me that he had a non-qm bank statement loan with similar interest rates. I sent my bank statements in good faith not knowing this was a trap. 

Before lender got back to me, I sent in writing that I didn't want him sharing any of my personal information, finances, options or anything pertaining to me with anyone. 

Lender than asked me to send him my XXXX XXXX XXXX  1099 's. I called him, he didn't pick up and texted him to call me but didn't get a response. A few minutes after not getting a response I texted lender that I didn't want to look at any alternative options anymore. 

After receiving this text from me he kept on being very persistent that I would be approve with a conventional loan. I repeatedly told him I was no longer interested and yet this lender kept messaging me and even provided a " conventional pre-approval letter '' but leaving out bank statement non-qm loan wording out. On this email he states that he still needs a hard credit pull and an application signed. 

A couple days later I received an email from listing agent with this " conventional pre-approval letter '' demanding I close on a house I don't qualify for because this incompetent lender shared my personal finances and violated my confidential privacy as a consumer.