23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage refinance loan with Navy Federal Credit Union. Navy Federal ultimately denied my application. However, the reason ( s ) for the denial were never consistent, and Navy Federal alluded to items that were in fact not on my credit report. For example, in a letter they sent to me, Navy Federal referenced a collection account on my credit report, when there was no such item. Additionally, I was told verbally by one of their representatives ( XXXX XXXX ) that my credit score was too low for approval, but the denial based on my score was not referenced as a reason for denying my application. Navy Federal has never given me concrete reasons for my loan denial, and the reasons constantly shifted. I believe that Navy Federals denial of my application was arbitrary, careless, and possibly discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

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

XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, i have sent certified letters to Equifax asking to have fraudulent inquires removed to no avail. i requested proof of signature giving permission to pull my credit no one has supplied that nor has the creditor. they still continue to report them. i have sent several complaints
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These account are hurting my ability to obtain credit. It's my understanding that you will investigate these accounts for me to ensure accuracy Here are the accounts I am asking you to verify as accurate : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I closed on the sale of my XXXX on XX/XX/22 with a HELOC payoff amount communicated to me by Citizens Bank on XX/XX/22. Upon further review, the payoff amount quoted by Citizens ( {$620000.00} ) is roughly {$1800.00} more than I should have owed. I believe this to be due to a glitch in Citizens systems whereby some of my prior accrued interest may have been capitalized incorrectly ( even though I attempted to pay the amount due, it was not paid ). I would be willing to even accept this glitch, but even if the interest was capitalized, it should have been relieved from my accrued interest. Therefore, my interest balance on the payoff document was much too high. I have all the supporting documentation to prove this. I have attempted to resolve this issue with Citizens customer service for 4 months ( 1 call per week lasting about 30 minutes each ) and am finally giving up and taking every available legal recourse I can. I am constantly told my Citizens that their " back office is handling this '' and that I will receive a summary of the calculations justifying the payoff amount. This has turned out to be a lie. Based on my other dealings with Citizens while applying for and servicing the debt, I am starting to think that this may be due to corporate malfeasance rather than simple incompetence. Case number XXXX with Citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX MORTGAGE XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

In XXXX, I purchased from XXXX using my PayPal Credit Account which is managed by Synchrony Financial Bank. I then returned items to XXXX ( XXXX on statement ). The purchase was for {$550.00} and my statement shows XXXX credits from XXXX for {$230.00} and {$230.00}, but my account balance for the original purchase was still {$350.00} and did not reflect the full refund. I called their customer service and asked for my XXXX credits to be reflected in my account balance. After the credits, this purchase balance should have been {$87.00}. I submitted a dispute to PayPal Credit XXXX Synchrony Financial Bank ) and talked to their customer service. They said they would post the refund to my account, but it was instead posted as a PURCHASE meaning it added over {$300.00} to my balance. It is now XXXX and this is still on my account. I have called their customer service almost every month, and every month the customer service says my next statement will reflect the changes but it does not. My current balance is {$460.00} because of interest building on these false " charges '', {$0.00} of this balance are any actual purchases I made. The last time I called to get this figured out I was hung up on by customer service twice in a row. I do not know what else to do to get this balance removed from my account.
Product: Credit reporting or other personal consumer reports

I HAVE WRITTEN COMPLAINTS AND REQUESTS FOR BOTH OF THESE ACCOUNTS TO BE REMOVED FROM ALL RECORDS! DUE TO IDENTITY THEFT!!! THEY FAILED TO COMPLY AND I EXPLAINED THAT I HAVE NO PHONE, ETC!!! THEY DO NOT CARE ABOUT BEING SUED, ETC!!! I AM UNABLE TO WORK DUE TO THE STRESS OF THIS SITUATION AND I AM SICK OF BEING BROKE AND XXXX XXXX XXXX XXXX WITH NOTHING OR NO ONE!!! FIX THIS NOW!
Product: Money transfer, virtual currency, or money service

I sent some money to XXXX XXXX XXXX, via paypal, in XXXX of this year. 
At some point after that, I was reconciling my bank statement with all my other statements, including paypal. I saw a payment to paypal, in my credit card statement, so I checked my paypal account to ensure the charge was correct. 
However, there was no payment at all to XXXX XXXX XXXX, in the correct amount or otherwise, so I let the credit card company know. 
Eventually, my bank closed my card, issued another and credited my account. By then I'd seen XXXX different amounts showing in emails from paypal, so it looked like they didn't know what was going on either. 
See attached file for just XXXX example. How can I dispute {$100.00} AUD when the transaction amount ( this time ) is claimed to be {$94.00} AUD? In the XXXX  attached screenshot the amount has changed to {$97.00} AUD. 
I resent the payment that had been returned to me before I was able to speak with the bank again. After speaking with the bank, I learned that they had reversed their repayment to XXXX XXXX XXXX via paypal, so naturally, I canceled the redundant payment. 
Paypal won't speak with me about this anymore as I continue to try and clear it up. It's affecting my friend 's account in XXXX and I feel like it's all my fault, when in fact, paypal still can't keep their figures straight. 
They left me on hold for XXXX minutes this morning so I decided I've had enough.
Product: Credit reporting or other personal consumer reports

20 year customer of Bank of America and " their '' system glitches failed to autopay my account and emails failed to be delivered, many calls to customer service after I received a past due letter " weeks '' later than when printed and dated, paid same day and before due date with all late fees, BOFA cancelled my card and reported 2 months late lowering my credit score, sent letter to the VP of credit services XX/XX/XXXX and never received any response or callback, sent letter to BOFA XX/XX/XXXX requesting for card to be removed from reporting agencies and never received any response or callback. Disputed my credit report via XXXX and after whatever BOFA did lowered my score XXXX points, provided evidence to BOFA that their system was failing to send emails and never received due payment emails and was unaware autopay was no longer working, this was my longest history credit card and with the lowest limit {$500.00} and will continue to affect my credit report till XXXX. It is very clear to me that Bank of America is acting in bad faith and has done nothing to resolve this issue. I will persistently continue to challenge this XXXX or they can do the right thing and remove this card from all 3 credit bureaus.
Product: Vehicle loan or lease

I have been waiting for over XXXX months now for Hyundai Motor Finance to release my title. I fully paid off my vehicle ( ~ {$14000.00} ) and submitted the odometer reading at the end of my lease which was on XX/XX/2021. XXXX support claims the payment and statement were received and continually reported that the title would be sent out in XXXX business days. 

I have been regularly calling them every few days but I never received the title and XXXX continues to say they will escalate the issue, but I never receive any response or resolution from them. No one at XXXX seems to know what the issue is. XXXX rep even told me that the title was sent to me and then sent back to them with an invalid address. They had the right address. Another rep told me that rep was lying and that they have no record of it being sent. Literally, their support team just tells you a scripted response to get you to hang up or go away ( and if that doesnt work they make something up ). 

I still dont have a title after over XXXX months of waiting. Ive opened a case with Hyundai, which is proving useless, they dont care. Hyundai doesnt care about their customers once they hand you off to Hyundai Motor Finance XXXX Dealership also told me they wont assist me since I didnt purchase the vehicle directly through them. I bought it through XXXX. 

I am filing this complaint to get the resolution asap as I am not being able to renew my license plate and its causing me a lot of inconvenience. 
It seems like a lot of other people are experiencing the issues. PLEASE HELP! 
I need my title.
Product: Mortgage

My wife & I have a second mortgage with OCWEN Loan Servicing , LLC, bought from our original loan company of GMAC, that we have made monthly payments on since XX/XX/XXXX, never being late & never missing a payment. XX/XX/XXXX we received a letter from OCWEN stating that our payment was being increased from {$460.00} a month to {$2100.00} due by XX/XX/XXXX. The letter was dated XX/XX/XXXX showing that an official notice of only 18 days was given of this increase. We had only 11 days notice upon receiving the letter. After contacting OCWEN & explaining that we could not possibly make this payment amount we were told by their " calculations '' that we should be able to handle this increase but were offered the possibility of a loan modification. We applied for this modification immediately & each month are asked to provide new documentation of our finances with no answer as to a loan modification. In the meantime, by today 's date of XX/XX/XXXX, we have been turned down for XXXX loans due to our high debt to income, have been reported to credit agencies as deragatory on the OCWEN account even after borrowing from family {$6300.00} to bring our account with them current, and get no answer from OCWEN to work with us to keep our credit in tact. We have explained medical hardship as our reason for need of modification as my wife lost her job almost 4 years ago & is now on full XXXX. We have working with yet another mortgage lender & have now been approved for a loan to consolidate our first and second mortgage but our payment will be raised approximatly {$200.00} which will be a hardship in itself. Needless to say, the notice given to us was questionable, unfair, and this company has caused us much stress and grief in the last few months. OCWEN customer service reps have remained uncaring, unwilling to answer questions, and stay to a straight script each time a call is made and ask all the same questions of us over and over again even though nothing changes for us week to week. We were advised to file this complaint by several loan officers from other mortgage companies who have been appalled at the treatment we have received from this company. This time frame has been unfair, impossible to work with, and in the meantime, our credit is being ruined by a company who has no concern to work with us and would rather see us file bankruptcy per the letters that we receive from them.
Product: Credit card or prepaid card

To whom it may concern, You already have copies of my statements from a prior report, copies from the past year that I just recently demanded and received from American Express Blue. Let it be known that I was communicating with a XXXX, recorded on their end, who submitted a stack of statements from the past year because I wasn't receiving them. These statements were requested several times to no avail. Upon our discussion, I asked what my interest rate was and he said it was XXXX percent. I asked why when I was at XXXX percent nor did I receive any notification of such interest increase because I did not have my past statements. He said, the promotional rate has expired and based on the economy, they are required to raise the interest. I understood to a certain extent based on the economy. However, I filed a complaint thereafter based on this and now in my XXXX, XXXX ( finally received ), my interest rate jumped from XXXX to XXXX percent, On the XXXX, XXXX statement the interest jumped again from XXXX to XXXX percent. If this isn't retaliation than I don't know what is. This does not happen! A full investigation is necessary and I would appreciate it if you would ask them for the telephone recording as well as the XXXX, XXXX, XXXX, XXXX and XXXX, XXXX statements. Those letters received from my past complaint were never sent to me! Ironically, you were sent copies of letters and statements that I have been requesting and only to be told, the post office may have lost it. Surely, the postman isn't perfect, but to tell me that in entire year the postman lost an entire year 's worth of statements is unconscionable!
Product: Credit card or prepaid card

I purchased two {$200.00} XXXX gift cards from a XXXX in Washington DC on XXXX XXXX, XXXX. When I went to register them online on XXXX XXXX, XXXX, one card had someone elses name associated with it and two unauthorized transactions from a XXXX XXXX XXXX in New Jersey, and the other one was frozen. I spoke with XXXX in your customer service department who indicated that the frozen card had somehow been used in XXXX XXXX despite not being activated until XXXX XXXX, XXXX.
Product: Mortgage

I was approved for a loan modification by Shellpoint Mortgage Servicing and XXXX XXXX XXXX XXXX in XXXX of XXXXMy first payment was due XX/XX/. 
The only statement I received was in XXXX. It said that if I paid an escrow shortage of {$110.00}, my monthly mortgage payment would be XXXX XXXXXXXX. This is very close to what my original payments was before COVID and the problems after it, so we naturally figured that would be our payment going forward. Especially since a Shellpoint representative had told me that although the 3 month trial payments were higher, the permanent payments were always about the same as before. 
I paid the escrow shortage and made a payment for XXXX in the amount of {$2400.00}. I enclosed a copy of the statement, and marked the checks appropriately. Shellpoint cashed both checks. I received no communication- statements or otherwise, so I continued to make monthly payments in the same amount, all marked appropriately. I included a copy of my statement with each. Each check was cashed. I received absolutely no correspondence from either Shellpoint or XXXX until a Letter of Intent to Foreclose. Even after that, I continued to make my payments, and they continued to cash them right through XXXX.I have requested a copy of all correspondence from XXXX, but have not received it. I was never furnished a statement, or any notice of being behind on payments, or that they were going to report me late and/or delinquent to credit agencies. 
The line item amounts shown on the letter of intent to foreclose make no sense. 
In XXXX I received a letter from a reporting agency saying that my credit had improved because of my timely payments in full to Shellpoint. I thought that was wonderful, and that everything was fine. A month later I went to buy a car, and discovered that Shellpoint was marking me as delinquent. They even marked me delinquent while I was paying my trial payments last XXXX. They are now showing me as 5 months late! 
I never received any notice that they were marking and reporting me as late. They have effectively ruined my credit, and never told my why.This has had a profound effect on my life- and now I can not even refinance with another company. 
I have copies of each monthly cashed payment, as well as the statement I enclosed with the payment. I also have a credit report showing what they have done. 
I did not attach these items because of sensitive account numbers, ssn, etc., but will gladly provide everything if requested.
Product: Credit reporting or other personal consumer reports

This account # XXXX from ICS COLLECTION SERVICE is paid in full. ICS COLLECTION SERVICE refuses to remove from credit reporting. Original creditor XXXX XXXX confirmed the debt is paid and no other obligations are being requested at this time.
Product: Checking or savings account

There is no date, the company shut down my account for no reason specific , and is threatening to report me  from opening other accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am aware that I am a natural person who has protected consumer rights. My consumer rights have been repeatedly violated. My personal information has been shared and used without my written consent. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX XXXX XXXX XXXXaccount # XXXX ( appearing three times ) and XXXXXXXX XXXX XXXXXXXX account XXXX XXXX. According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent. Be advised that I am filing this complaint for my self and have had no assistance from any third party. Failure to respond adequately will result in me taking legal actions against your company.
Product: Mortgage

My complaint sent XX/XX/28 was me very frustrated after learning that the issue I had with Flagstar was allowed to be closed because Flagstar made the changes to my mortgage agreement and had a lawyer sign an affidavit to get around my signature ... Flagstar NEVER told me the issue with the contract and decided to change it without my consent because I kept asking them to send me a letter explaining the issue so I could take it to a lawyer and they REFUSED for months of my requests to do this and so I contacted you because you need to actually help not just let Flagstar tell you lies... I am XXXX XXXXXXXX and can not make decisions over the phone by myself... I need it in writing so I can get legal advice and they denied me that which is a violation of the Americans with disabilities act and I am going to pursue charges for them acting on my behalf to change my mortgage without me involved
Product: Credit reporting or other personal consumer reports

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

On XX/XX/2020 I mailed a Certified letter to Capital One Credit card requesting information to validate a debt they claim I owe. I received a 1 page letter from Capital One. This letter did not verify any contract bearing my signature, nothing was provided stating that I owed Capital One. Again on XX/XX/XXXX I mailed another certified letting you know of the day you signed for the letter and that the information requested was yet again NOT sent, only this time Capital One totally disregarded the second letter that was sent and did not event to bother responding.
Product: Vehicle loan or lease

On XX/XX/XXXX, Flagship Credit Acceptance sent me the attached letter stating that they " agreed to release the lien free title ( or SIF ) for the settlement amount of {$10000.00} '', which was offered from my Insurance company after my car was declared a total loss. In XX/XX/XXXX, they then reported a charge off amount of {$6300.00} to the credit bureaus. Upon realization of this, I contacted them via US mail, including the Attorney General and XXXX XXXX XXXX, disputing the charge off amount reflected on my credit report, as I have a letter clearly stating that Flagship Credit Acceptance accepted the amount paid by my Insurance company, agreeing to release the lien.