23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020 we selected XXXX XXXX/ARC with XXXX XXXX based on a review of three competing lenders to do our VA XXXX refinance. We were shown an estimate that considered all the factors ( based on our timely submission of all pertinent documents ). We also signed the initial disclosures that showed our closing cost would be a refund of {$34.00} dollars on XX/XX/2020. Fast forward to XX/XX/2020, we were told that our closing cost would now be $ XXXX. They said they would apply some credits but the closing costs would still be around {$2100.00}. We asked why the change and stated it was due to a factor that they already knew beforehand and the clarification was the timing of the loan but they also knew it would close in XXXX which it would have. I asked to go back to the initial disclosure closing cost but they only respond with the timing of the loan and that they will only extend the rate which does not help the closing costs. It is now XXXX and they expect us to fold and restart the process with another company. I dont think this is fair since we have already invested 5 months into the process. I think they should keep their promise to us.
Product: Credit reporting or other personal consumer reports

I need your help to address the incorrect account that is appearing on my credit report. This issue has affected my reputation as a customer, and I am asking for your support. Please remove these accounts as they have been inaccurately and negatively reported. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I and my mother have been getting calls from a man at  XXXX . He says his name is Mr  XXXX  and he left a number  XXXX  ext  XXXX . He is saying I owe a debt but will not say to who. He is very loud and angry and even said " you are  XXXX   years    old.  You are too old for this. '' He called my work phone twice today and asked to speak to my supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXXDispute XXXX AXXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX   # XXXXUnder Dispute XXXX XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all were filed to ftc
Product: Credit card or prepaid card

Booked a flight XXXX reservation code. Under terms and conditions, it says this ticket is refundable. However, when trying to get a refund/cancel the ticket because of a change in travel plans, chase said that I can only receive a voucher. 

I believe this is deceptive on the part of Chase because a refundable ticket and a travel voucher are not the same, and I wouldn't have booked the ticket if I had known the refund was in the form of a travel voucher. The statement " this ticket is fully refundable '' reasonably implies that the buyer will get a refund in the original payment method My request is that chase refunds to points used to book this trip back into my account.
Product: Credit card

XXXX XXXX XXXX ( XXXX ) Invalid Accuracy. 

XXXX ( did not approve of credit check ) XXXX ( did not approve of credit check ) XXXX ( did not approve of credit check )
Product: Credit reporting, credit repair services, or other personal consumer reports

for the last year and a half i have disputed a error on my credit report and equifax is still showing it on my report after the debt was not validated i have asked several time to show proof of valdation and that has not been shown
Product: Vehicle loan or lease

BMW Financial Services Account opened in XXXX at payment of $ XXXX60 months. 

In XXXX of XX/XX/XXXXaccount was at 60 days past due and facing repossession. Requested deferments to get account back on track but was denied. Vehicle was recovered in XX/XX/XXXX by BMW Financial and sold at auction. Total deficiency balance was {$2100.00} The {$2100.00} balance had shown as recent as XX/XX/XXXX on my credit. After that, the entire line item disappeared with no trace of BMW Financial ever occurring. There was no amount being reported and furthermore, no payment history whatsoever of any sort. On XXXX XXXX, a check in the amount of {$470.00} was issued to me with a reason of " miscellaneous. '' As of today I have spoken with a Sr. Recovery Agent at BMW Financial who informed me that the {$470.00} was for over payment. When questioning this as to why I would receive a check back if I still owed anything, I was told that a recent internal audit had determined that my account may not have been handled in accordance with all laws and in order to prevent anything in the future, BMW Financial went through the motions of removing all trade lines from my credit profile as well as to post a credit to my account in the amount of +/- {$2600.00} resulting in me receiving refund of {$470.00}. When asking for further information in regards to the accounting errors found in the audit, I was informed that I was not entitled to anymore information. When questioning why the line item was removed from my credit report, I was told that BMW Financial is not required to report to any of the credit bureaus. Furthermore I was told that I should be grateful BMW has not reported anything whatsoever on my credit going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent out a letter on XX/XX/2020 to Transunion to dispute some inaccuracies on my credit report asking them to remove/correct the information listed on the letter. I sent out a follow up a letter on XX/XX/2020 and still haven't received a response. To my knowledge, they are in direct violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for investigation.
Product: Mortgage

I am a XXXX XXXX XXXX veteran with a home Mortgage through freedom Mortgage. Because of my XXXX status, I have an approved 100 % property tax exemption from the state of Illinois. On XX/XX/XXXX, I called freedom mortgage to request that my escrow reanalysis occur in order to take this exemption into account. I sent the approved exemption and the new tax bill of {$0.00} to the tax department as requested. An escrow reanalysis occurred, and I received a letter stating that my monthly payment was lowered but that I still would pay a substantial amount into escrow every month for taxes. I then spent the next 3 months waiting on hold and speaking with the tax department and escrow department. EVERY person I spoke to realized the error, said they would fix it, and send it back to the escrow re-evaluation to have the escrow fixed. I would then receive a letter in the mail saying their was no change. I have spoken to the tax department, I have had my case elevated and I have had assurances that the error has been fixed. Then when the escrow research or reanalysis is conducted, nothing changes. Literally every person who I have talked to on the phone has said I am correct, but yet the problem persists. 

I then made the mistake of choosing to conduct a IRRL refinance with Freedom Mortgage in hopes that the issue could be resolved that way. I spent about 5 weeks speaking with my mortgage officer and the underwriters to get the correct closing documents showing that I paid XXXX taxes. Finally, on XX/XX/2021, I was sent closing documents showing that my escrow would not include taxes. The closing scheduler on the phone assured me that everything was taken care of. When the closer arrived today, property taxes were put back into my closing disclosure. If this is not resolved today, I will be cancelling my refinance with freedom mortgage.
Product: Debt collection

BANK OF AMERICA - This is not verified. I contacted the furnisher and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. It is REQUIRED to delete this account immediately according to FCRA Sect. 611.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX Title a payoff good through XX/XX/year> for a closing on XXXX XXXX, 2024. The 2024 XXXX taxes are currently owing which is a title requirement to pay at closing so the title company sent in the check for the taxes, the township confirmed the tax payment processed was from the title company. XXXXXXXX XXXX XXXX XXXX XXXX rejected the payoff stating it is short the amount of the tax bill that has been paid by the title company and processed by the township. This is their error, there is nobody to contact and no way to resolve this and the check will end up being returned to the seller instead of the title company. This stains the customers credit and steals money from title companies. Our title company XXXX XXXX company has had at least 3 issues in the XXXX XXXXXXXX tax season. This should be considered illegal and fraudulent and as mortgage fraud is reported to the FBI, I will be submitting a complaint there next.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account through my bank was frozen last year because there were inquiries on my credit report which I did not make. Someone unfroze the freeze placed on my account and then there were 2 inquiries on my credit report - one for XXXX and the other for OneMain Financial. I did not apply for credit from either company. 

I contacted XXXX to freeze the account again and remove the inquiries from my credit report. XXXX said I should contact the companies. I did get a hold of XXXX and tried to get a live person at One Main, but had to send an email because I couldn't reach a live person.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Westlake Financial for Predatory Lending & Wrongful Repossession Dear CFPB , I am filing a formal complaint against Westlake Financial Services for deceptive lending practices and wrongful repossession of my vehicle, which violated consumer protection laws and caused me significant financial and emotional distress. 

Westlake Financial engaged in the following misconduct : Failure to Provide Legally Required Notice : My vehicle was repossessed without prior written notice, violating C.R.S. 4-9-611. Westlake falsely claimed they had notified me about the potential repossession but I was only notified about my late payment ( not repossession ), but I never received any voicemails, emails, or mailed notices regarding the repossession and they had the correct three forms of contact information for me. ( Email, Mail and Voicemail ) Fraudulent Payment Demand : Westlake informed me that paying {$1700.00} would prevent the auction of my vehicle, cover all the repossession fee 's and clear the repossession off of my credit history. I made this payment in good faith, yet they auctioned my car without informing me.

Unjustified Vehicle Relocation : After repossession, my vehicle was first towed to XXXX XXXX, Colorado. Despite paying {$1700.00}, XXXX then sent it to XXXX XXXX XXXX, Utah, when asked why they sent it to Utah they told me because they send it to the nearest XXXX location, even though the nearest XXXX auction location is in XXXX, Colorado ( only XXXX miles away ). This appears to have been an intentional effort to make retrieval difficult. 

Westlake Never Notified Me About the Auction, Violating Consumer Protection Laws After paying {$1700.00}, I informed Westlake I needed one month to save money and travel to retrieve my vehicle.

Westlake agreed to this arrangement.

Despite this, Westlake sold my vehicle at auction without notifying me.

I received no phone calls, emails, or mail notices informing me about the auction sale, violating Colorado UCC Law ( C.R.S. 4-9-614 ), which requires written notice before a vehicle is sold.

Westlakes Fraudulent and Unfair Actions Caused Severe Financial and Emotional Hardship I was preparing for the birth of my son, and this wrongful repossession caused extreme financial and emotional distress.

Losing my vehicle due to Westlakes deceptive practices jeopardized my ability to provide for my growing family.

Failure to Provide Required Post-Repossession Notices : Westlake did not provide the legally mandated notices before auctioning my vehicle, in violation of C.R.S. 4-9-614.

Unlawful Debt Collection Threats : Westlake is now demanding the remaining loan balance and threatening to send it to collections, despite their deceptive actions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute to the credit reporting agencies regarding several erroneous accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ), I am entitled to a timely and thorough reinvestigation of disputed information. Despite this, the disputed accounts are still being reported on my credit file without correction.

As I am submitting another round of disputes today, I respectfully demand that the credit reporting agencies fulfill their legal obligations under FCRA to reinvestigate and address these inaccuracies. If the disputed information can not be verified, it must be promptly removed or corrected as mandated by the FCRA.
Product: Credit card

XX/XX/XXXX I ordered a membership for discount oversea travel with XXXX $ but then they ask me to put credit card information and the account use to transfer money to activate account, but then I dont know they got my password and charge XXXX $ and XXXX $ without my permission I try contact them but they blocked me, and then I call my bank to dispute it at XX/XX/XXXX until XX/XX/XXXX they declined my dispute, and I already contact to Remitly App money transfer they block my acc and refused to help resolve this case. I need u guys help to fix it please!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I called Capital One to see if they have a valued customer credit for the annual fee since we are in the holiday season. The representative advised that there is nothing available. Several years ago I had an issue with the annual fee with one of my other Capital One cards and a supervisor advised that they can switch my card to a Quick Silver card in which it does not have an annual fee. I am wondering why this associate could not suggest another Capital One card that does not have an annual fee. I asked if there was another card that Capital One can offer which does not carry the late fee. The associate finally did provide a solution to transition into Venture One card which does not carry an annual fee. This was done however In feel that Capital One should adjust this annual fee since I have been a loyal customer for many years and I have many accounts with Capital One.
Product: Credit reporting or other personal consumer reports

Dates inaccurate, chargedoff with balance and didn't receive 1099-C
Product: Credit reporting, credit repair services, or other personal consumer reports

GLSLLC inaccurately reporting late payments on my credit files. XX/XX/2019 and XX/XX/2019 are being shown as lates. How can the company reports a late payment when it's not past the month?
Product: Credit card or prepaid card

On XXXX XXXX 2020, XX/XX/XXXX closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with XX/XX/XXXX were in good standing and never late paid. XXXX XXXX limit XXXX with Balance of XXXX, XX/XX/XXXXXXXX limit of XXXX with balance of XXXX, XX/XX/XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.
Product: Mortgage

This complaint is related to complaint XXXX. On XX/XX/2023 a call was made to Shellpoint in which a representative stated that a streamline trial plan had been approved to begin in XXXX with payments of {$630.00}. Client was informed and very happy to get this issue resolved. On XX/XX/2023 another call was placed to ask for the plan in writing. The representative said that there was no modification. A supervisor took the call and stated that she would review the call and get back to me. Another call was made to Shellpoint on XX/XX/2023 and the notes indicated that no one pulled the call, nor made any notes, nor did any research. Again a call was made to Shellpoint today, XX/XX/2023 and again there are no notes that the supervisor is actually reviewing the situation. At this point, Shellpoint has not been honest about a modification, did not research the call upon request and failed to update after promising to do so. We believe that Shellpoint is not living up to their words and promises. We believe this is unfair and we are very disappointed in the dishonesty from representatives and supervisors.
Product: Debt collection

The Law Office of Marvel and Maloney has outright refused to give me information about the debt they say I owe. I believe this to be balance billing with has been outlawed in NJ in The Consolidated Appropriations Act of 2021 was enacted on XX/XX/XXXX.
Product: Credit card

Discover randomly decided to close my credit card after asking for my tax return information. I gave them what they asked for and they still closed my account, damaging my credit by doing so, even after using them with no issues for XXXX years. I had XXXX dollars balance on this card. 

Come to find out, my card has been getting charged payments for XXXX dollars every single month, sometimes XXXX  a month, for a year. My account was closed on XX/XX/XXXX. 

Discover did NOTHING to fix this. Their customer service is useless. Here are the charges and the dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Id like to inquire about the recent Navient private student loan settlements. Our loans were originally serviced by Sallie Mae and originated between XXXX and XXXX. I have many issues with the servicing of the loans : - Various discussions with the companies regarding inability to make payment. When contacted our loans were always steered towards forbearance. Which then resulted in the increase of overall debt due to additional interest being added to each loan.

- Assistance towards a more manageable payment option was not offered.

- Previously applied to have the cosigner released after 12 consecutive months of payments, this was denied. 

- Asked to confirm that we were given the XXXX  % interest rate reduction for automatic payment which couldnt be validated. Therefore, I stopped autopay. 

- I contacted Navient once again about payments and was offered a term rate reduction for 9 months, also with the difference added to the backend of the loan. 

The loans have been being paid for more than 10 years. With the additional interest from forbearance and the recent interest rate increases, the loan balances are not going down. For instance, one loan was originated for {$10000.00} in XXXX XXXX. The current balance is still showing as {$9700.00}. Only {$300.00} reduction in balance after 10 years of payments. This is absurd.

Ive read the detail on the internal memo by Navient senior director regarding forbearance. Why arent all loans reviewed for the same experiences? 
I would like to request that our loans be reviewed and a response to our request to have these forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get in contact with XXXX  multiple times to stop sending me their magazines and then I find out they put a hard inquiry on my credit report as of XX/XX/2018 when I dont want anything to do with them at all. They need to remove the inquiry from my credit report and stop soliciting me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX Incorrect Name - XXXX XXXX XXXXXXXX Employer - XXXX XXXX 
Incorrect Name-XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX, XXXX XXXX XXXX CT XXXX Employer - XXXX
Product: Credit reporting or other personal consumer reports

I discovered an error on my credit report stating that I owe {$310.00} to a company called Advance America. I have no knowledge of this account and have no dealings with this company. I contacted them through their website, requesting detailed information about the account and asking for its removal. However, they have not responded to my requests in any way. Since this account is not mine and they are unresponsive, I am requesting that this erroneous item be removed from my credit report immediately.