23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I was served with a lawsuit from XXXX XXXXXXXX XXXX on behalf of Velocity Investments LLC. The following business day I contacted the law firm to gather information and attempt to settle the debt. Since the initial contact, I have presented the law firm with XXXX settlement offers. On XX/XX/year> the collector I have been working with stated that their client, Velocity Investments, had declined my good faith offers and stated that her counter offer presented was a " final offer. '' She stated that I should no longer submit additional offers as " they will not accept even {$1.00} less '', claimed to have no knowledge on the pending judgment and stated to " call back in XXXX weeks for a status update '' rather attempting to come to agreement. I was escalated to a supervisor upon my request who admitted to me the collector had provided false information and confirmed that I was misled during settlement negotiations. The counter offer presented was not final as the collector stated. I believe that the collector and law firm are in violation of the FDCPA in their attempts to collect this debt by presenting misleading information and stating false information as fact. At this time I am requesting this suit be dismissed with prejudice due to the mishandling of this account.
Product: Mortgage

I bought my house in XXXX 2005. I bought it for {$520000.00}. I only had a little over {$50000.00} for a down payment, so I had to get XXXX mortgages. The XXXX was an interest only loan. The terms as they were explained to me at the time were that I would have to pay interest only for 10 years. After the 10 year period was concluded, I was told that I would be paying interest and principal. I was never told that the principal payment would be in addition to what I was already paying. My mortgage was sold 3 months prior to the 10 year period conclusion. A couple of months before the 10 year period, I was advised by the new mortgage holder that my payments would be changing and that I would be paying interest as well as principal. The wording of the notice made me worry that the payment amount would change, so I called the company, and a customer service representative explained to me that I would not be paying more, but that now part of my payment would be going to paying off the principal. While I waited, he roughly figured an approximate amount that would go towards paying down the principal. I was relieved and waited until the first payment where this would take effect. When that day came, I received a bill that raised my monthly payment by nearly {$1000.00}. I sent the company an e-mail, which took XXXX weeks to be replied to, in the form of a letter. They stated that all was in order per my original loan 's terms and even sent me a copy of a document signed by me 10 years earlier, which actually stated that my mortgage would " not '' go up after the 10 year period, but would in fact, slightly decline ( from {$2000.00} down to {$1900.00} ). I have attached the first page of that document, which clearly says this. Subsequently, I read up on Interest Only Loans and found that they typically call for an increase in the payment after the interest only period is over, but this was never explained to me, and the document I signed certainly did not say this. One other point, I was also never told that my loan was an ARM. I found this out a few years later when the original company, ( XXXX XXXX XXXX ) finally obtained a website and I saw on their site, what kind of loan I had. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to XXXX, Experian, and XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023, requesting an investigation into the negative items on my credit report. To date, they have not provided any evidence to support these negative items, nor have they removed the items. 

Per the FCRA, the negative items on my credit report must be validated by original signed documents or removed if these accounts can not be validated ( by providing documentation ) within 30 days. In the past, the CFPB have closed this request because you said it has been answered in the past. I disagree with that reasoning and it is my right to request a re-investigation. 

I am requesting one final time, these accounts be deleted or I will have to see legal action due to violation of the FCRA. The accounts are included in the attached letters that were sent on XX/XX/2023.
Product: Credit card or prepaid card

XXXX ( XXXX ) & XXXX XXXX XXXX Please see attachments. We have contacted the toll free number twice ... once on XX/XX/XXXX and again on XX/XX/XXXX. At issue is a {$6.00} credit that had accumulated as of the XX/XX/XXXX statement {$6.00}. Called XXXX ( an unidentified male took the call. ) He said that he would apply BOTH the {$6.00} and the ( then due ) {$5.00} credit. This was NOT done so I called back on XX/XX/XXXX and spoke with XXXX who assured me that the credit ( {$6.00} ) would be issued RIGHT AWAY before the next statement closed. When there was no credit to our account I elected to go this route and have the CFPB contact the company. Attachments are demonstrative of the sequence of events. XX/XX/XXXX Statement, XX/XX/XXXX Statement and the XX/XX/XXXX Statement as well as, screenshots of the two calls I ( XXXX XXXX ) made to the toll free numbers.
Product: Credit card or prepaid card

Got a faulty dryer twice from XXXX XXXX. We wanted to return it and get a refund ( 2 days into owning it ) and they were very difficult to work with. After 3 weeks of communication, we had no progress. We opened a dispute with discover, and they ruled in favor of XXXX XXXX because they said they havent received the product back. I can not easily transport a dryer, so I called them to try to schedule a return and they refused. I dont know how its fair for them to win the dispute with the logic that they havent had the product returned, but then refuse to have it returned whenever we try to. We are more than willing to give it back.
Product: Credit reporting or other personal consumer reports

My most recent credit report includes accounts I did not open. I request these unauthorized accounts be blocked and taken off my report immediately.
Product: Credit reporting or other personal consumer reports

These are the inquiries on my Transunion report which i don't authorize these should have to be removed the inquiries are following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 
The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. This company sold these private records to another company in XXXX so the information on all XXXX bureaus are reporting inaccurate do to the fact the company no long owns the debt please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX continue to report inaccuracies on my report. This is causing me great anguish and preventing me from buying a home. The aforementioned accounts are deliberate attacks on my character. They have no merit whatsoever and don't belong to me. Please help rectify this situation.
Product: Checking or savings account

I was repeatedly charged a {$35.00} fee which kept making my checking account at Bank of America low, along with my savings account. I have paid over {$600.00} in these fees since I had my accounts there.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being out on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the Theft Affidavit. I am a mother of XXXX and I would like to get a home for my family and I but its been hard because of these. I would appreciate it if you guys would take care of this immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all invalid information on my credit report with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are increasing the loan overtime without explaining why it is increasing. It is hurting my credit score.  It also does does not show the date of last activity. It is inaccurately reporting and they are not in compliance.
Product: Mortgage

I had a FHA Mortgage and was doing a Short Sale with XXXX XXXX. My loan number with XXXX XXXX XXXX was XXXX and my loan number with Carrington Mortgage is XXXX and the property address is XXXX XXXX XXXX, XXXX, NY XXXX. 

The Real Estate Broker sold the property for {$240000.00} to a cash buyer ready to close but XXXX XXXX XXXX sold the property to Carrington Mortgage for {$680000.00} instead. 

XXXX XXXX and XXXX XXXX who work at Carrington Mortgage changed the lock on the house and lock the owner out of his house.XXXX XXXX tried to bribe the homeowner by promising to give {$10000.00} to the homeowner if he would sign the deed transfering the house to him.I have the email to prove it. 

Recently, XXXX XXXX broke into the house and renovated the house and listed the same house for XXXX This house is still owned by XXXX XXXX according to the property record.XXXX XXXX and XXXX XXXX should be arrested today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX  and TransUnion reports. There is a hard inquiry from a company called XXXX XXXX. ' This company has no contact info for me to investigate the inquiry. I have not applied for any credit card or loans recently or within the last two years. I believe this inquiry is fraudulent. The only application I submitted to any company was a XXXX XXXX mortgage application, however, I did not request to have any credit checks, yet. I never spoke to anyone from the company. I only ask to speak to a mortgage loan officer to discuss possible loans.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryEquifax, XXXX, and XXXX, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within 30 daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.
Product: Checking or savings account

I was ask to sent money {$200.00} through XXXX from my bank Chase for puppy deposit through XXXX email address. I was given the email address of XXXX to send once I did so my XXXX was hacked and taken over had to disable the account. All communication was cut off by the person it was all a scam. My customer service with Chase took my dispute and was told to fill a complaint through this website. They have tried to text me asking for my ID to fix my XXXX XXXX  which I have not responded the # is XXXX if that helps find them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. Experian is reporting that I am ( 30 ) days late on this account as well. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and the late being reporting by Experian is also harming my credit score. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

I have been given continuous misinformation by managers over hours and hours of ridiculous chat conversations. I was clearly told by a manager in XXXX that I needed one direct deposit of a certain amount for the team to verbally confirm my details and activate my account. I told them I would not receive this until XXXX. Fast forward to XXXX, I am now being told this is not enough, per chat XXXX, and that I need a pay stub, of which my employer is taking time to provide. EarnIn, simply verify my account, honor what I was told multiple times including on XX/XX/XXXX, and simply activate my account. You verbally confirm paycheck details all the time. Treat customers consistently and please properly train nearly every member of your team. 

Per your latest message to which I have not received a response, please see the below specifics : 1. As mentioned, I have asked specifically where these requirements are mentioned in your policies. 2. I'm aware of what a previous " community advocate '' stated, which is what caused this complaint. You had multiple supervisors directly and confidently state multiple times ( even when I directly asked that they fully confirm ) that I needed to meet certain terms. It took time to meet these terms, and that is why I spent nearly 6 hours on
chat with your team fully confirming the terms before I met them. Once these terms were met, your team then does a rug pull, refuses to honor terms clearly mentioned by multiple agents at the highest level, and then clearly does not take concerns with misinformation, mishandling of extensive chats, etc. seriously via this complaint. EarnIn is brushing over my concerns, not taking responsibility, and not pointing out where these terms are mentioned. Clearly this is causing not only confusion for me, but for your own poorly trained team.
Product: Bank account or service

I began a mortgage process with U.S. Bank. A traditional 30 year-loan with an XXXX grant assistance for recent graduates to contribute 5 % of down payment. I worked with the mortgage loan originator, various management and was able to include underwriting in all email communications. My loan originator stretched numbers in order to overestimate my ability to buy, I once found this out while in contract. For the pre-qualify portion I gave all exact numbers to know my ability and my max was around XXXX for debt to liability according to the mortgage loan originator. Although later on I found out he incorrectly entered numbers causing myself to prematurely pay off a motorcycle loan in order to get the debt to equity ratio correct to afford a XXXX town home. The loan application was filled out completly wrong and had to send back multiple revisions for them to make in order it to be correct after having already provided supporting documents. Why they kept being entered wrong? I have no idea. This is important because if myself or another would not have reviewed the application properly I could be charged with mortgage fraud because of a non caring employee. Further more, they filled out a grant incorrectly having to resubmit it for approval. I have talked to them on the phone XXXX in total in a 45 day period. After asking for a two week extension. However, I will be missing the last closing date, due to the mistakes constantly being made my the mortgage staff and management. Due to constant errors on applications, grants, miscalculating numbers all while trying to cover up numbers and problems by providing broad overviews in emails. I am a XXXX XXXX and numbers are my life which is why I always review and request exact numbers. This is a threat to other consumers that could possible lead to unintentionally agreeing to an incorrect mortgage application leading to jail time, loss of money due to a non timely close because lack of attention to detail. Every time there was a request I was able to provide material back within 24 hours if not same day. Now my money is going to waste, Im missing out on a deal of XXXX below appraisal, when similar properties in the development are being bid up XXXX above ask, and I was able to obtain at ask and below market. All because XXXX XXXX XXXX XXXX XXXX at U.S. Bank in XXXX, OH does not answer calls, does not provide exact numbers, stretches numbers, files incorrect documents, and goes by his own time frame. Its not at his loss but mine and my investments. XXXX
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX XXXX to take advantage of an interest-free term for a new phone, which was processed through XXXX XXXX XXXX Previously, I had an account with XXXX XXXX for another retailer and attempted to log in using my existing credentials. However, I was unable to locate the new account associated with my previous account until I received a notification about a late payment fee. 
Upon further investigation, I discovered that a second XXXX XXXX account had been created with new login information. I was still unable to access this account, necessitating a call to customer support for assistance. They helped me log in, addressed the late fee, and I set up auto-pay. 
Initially, I believed that auto-pay had been successfully established. However, I later learned from XXXX XXXX that auto-pay can not be set up within 24 hours of making an online payment, which resulted in my account becoming past due again. 
When I contacted XXXX XXXX  customer service to resolve the situation, I was informed that they could not remove the additional fees that had accrued due to their inadequate communication and website architecture. I was advised to submit a written dispute form via mail to contest these charges. After doing so, I received a response stating that their records regarding late payments were accurate and that they would not remove the charges. 
Approximately a month later, I discovered that, in addition to the approximately {$140.00} in late fees, XXXXXXXX XXXX reported my account as 30 days past due to credit agencies, which adversely affected my credit score by XXXX points. 
Despite multiple attempts to contact XXXX XXXX I was unable to reach a customer service representative. Additionally, their requirement for a written form to dispute charges complicates the resolution process.
Product: Mortgage

I changed my mortgage company in last XXXX due to change in interest rates. The loan is for 30 years on fixed rate of 2.5 %. I kept asking the company about the amortization statement but was only given after I signed the loan closing documents. When I received the Amortization Statement I realized that the Amerisave Mortgage is charging 84 % of the total interest in first 15 years which is half of the loan repayment period, more then 55 % in first ten years and more then 28 % in first five years. This is not fair with me. The law do not allow any business to charge interest in advance. This way I am losing my savings and profits on savings to the mortgage company. On other hand mortgage company is gaining extra profit by investing my money in their business. Please help me sort out this situation. If the loan is for 30 years then the principal amount should be charged in equal payments of 360 instalment vice versa the interest should be charged on remaining balance of every month. They are keeping the principal payments low to hide the high interest they are charging on every instalment. I have attached the amortization statement I received after the signing of closing document and also the present loan statement. I also worked out how the loan repayment should be and have submitted herewith. The mortgage company will end up charging XXXX dollars extra in interests if they follow their schedule.
Product: Checking or savings account

i tried to open up an account with citi bank they open m, y account an closed it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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 a account without my written instructions.

15 USC 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: Credit reporting or other personal consumer reports

XXXX, EXPERIAN, XXXX I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all the other addresses off my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING HE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATIONS OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX
Product: Mortgage

Payment is not being properly applied to principal, Freedom Mortgage has created a " payment due '' issue ( late payment ) after the payment was made on time ( XXXX ) and refuses to correct their accounting error after multiple calls seeking correction. This is an ongoing issue that has occurred more than once in the last year. 

After the correction is made, send an up to date Payoff amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you Amx for fixing some of the credit reporting issues on my bureaus. However, recently pulled today on XXXX, you are showing my Charge off in XXXX. That is not being reporting correctly. However, I appreciate you deleting the reporting " data '' on the other months and leaving those dates BLANK as should be done by the FCRA after the actually charge off date. Which I think is some where around XXXX or XXXX of XXXX. 

So, I am asking if you can please fix this, see image, and only show charge off on the date it was charged off, and NOTHING reporting after that. Thank you!
Product: Credit reporting or other personal consumer reports

There is an XXXX card on my credit report that isnt mine. Ive never had a credit card with XXXX. I believe Ive been a victim of fraud.