23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a XXXX XXXX  working with a homeowner with Dovenmuehle as the servicer of her mortgage. The homeowner and I worked together to piece together her loss mitigation assistance application which was deemed as complete on XX/XX/XXXX. In XXXX, my client was informed that she was turned down for the assistance and I called to find out why- being that her income was adequate, her credit was fair, and her budget was very streamlined. For an entire week, I made calls daily to get answers regarding why she was turned down. Finally, I was able to get transfered to a manager who stated that my client 's expenses make the mortgage unaffordable to the homeowner. When I asked about what they had listed as expenses, the manager at Dovenmuehle stated that they do not have access to that info as it is complied and researched by a private 3rd Party company. I was able to get the name of the company but when I called, I was told they do not take phone calls. I reached out to XXXX XXXX XXXX XXXX at XXXX XXXX and explained the situation- being that the loan was originally a CDA loan, I figured the State of Maryland would be able to point me in the right direction. I was given contact info for XXXX XXXX, also at XXXX. He was able to find out that the 3rd Party firm calculated my client 's monthly spending on food at {$700.00} dollars for the month. XXXX XXXX requested that I piece together the clients expenses and provide bank statements that coordinate with the months in question. I submitted these documents to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX stated to me that the documentation was sufficient and he would follow up shortly. On XX/XX/XXXX, my client received a letter from Dovenmuehle. The specific language of the document states : " You May have been approved for a standard modification ''. Weeks went by and the homeowner and I were not contacted. The only updates we can get are from XXXX XXXX and only when we ask. Dovenmuehle didn't even have it documented in the system that XXXX was working with them to resolve the issue. 
Here we are 90 days after I was told no further documentation is needed and the homeowner still does not have a response from Dovenmuehle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and EOS CCA and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked for this company for 3 months and witnessed many infractions of the FDCPA. Two of the most common : - Debtors are supposed to be notified in writing of the debt being collected on. The owner of ATG Credit decided this was too expensive, so only sent letters on certain dollar value accounts, or to clients we were able to speak to verbally. However, the debtors who were not sent letters were still pursued via skip trace and countless calls. 

- Questionable debt. There were a couple of clients we were forced to collect " debt '' on, who did not seem to be able to prove the debts were owed. These debts counted in the 1000s, contained low balances and were very old. No written letters were sent to debtors for these clients unless verbal communication was made first, and we were not allowed to open disputes on the debts for anyone who asked that be done. Instead, we were forced to close the case ( upon threat of write ups ), meaning this debt could still be collected on and resold, without the dispute ever being researched.
Product: Credit reporting or other personal consumer reports

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. AS CONSUMER, I AM REALLY SO FRUSTRATED THAT NO ACTION IS BEING TAKEN BY THE FOLLOWING BUREAUS : XXXX : XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX Code XXXX ( a ) ( XXXX ) ( B ) and ACCOUNT NAME AND NUMBER must be removed.. 


EXPERIAN : XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and { ACCOUNT NAME AND NUMBER } must be removed. 
XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXXXXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and this account not mine must be removed XXXX : XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and this account not mine must be removed
Product: Credit card or prepaid card

I disputed a series of charges against my account totaling {$31.00}. 

Upon review of my last two statements, I see that I have been charged a late payment fee of {$27.00} on XX/XX/22 plus a {$2.00} interest fee on XX/XX/22. This was AFTER my payment in full of {$27.00} was paid and processed on XX/XX/22, as clearly shown on the statement I was sent and verified by the account summary on your website. Also, despite this balance being paid in full by me on XX/XX/22, which was an error on my part and I should have investigated instead of allowing it to be paid by my bank automatically, I was AGAIN charged a {$2.00} interest charge on XX/XX/22 with no outstanding balance on the account. 

I sent a letter in writing to the company on XX/XX/22 and received no response, my account shows no change, and I am unable to get through via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

MADE PAY TO DELETE ARRANGEMENT WITH XXXX XXXX. DELETE. IT HAS BEEN OVER 30 DAYS. I WANT TO FILE A LAWSUIT AGAINST EXPERIAN.
Product: Vehicle loan or lease

I have been trying to cancel a warranty and service contract with Lithia and their dealer XXXX XXXX XXXX XXXX ( TX ). 
I have called Lithia dealer complaints for the warranty and they told me there was nothing they could do as the dealer sold the warranty. 
The service agreement that was a Lithia product they said they could cancel that one but I had to fill out a form and Fax it to them. They would Not take the information over the phone nor email. 
I fe at this LOI t that they are making it intentionally difficult as these cancellations will cost them and their dealer money. 

I Just want it cancelled so it can go towards my insurance remaining balance dorky Driveway financial, this finance company who continues to try to collect money from me but they wont even help me cancel a product that will reduce that balance, post insurance. 3 Lithia entities are just taking advantage of me. I just want to products cancelled and the money to go to them. 

This is a last resort post. Ive been trying to cancel a warranty and service contract for 3 weeks. No exaggeration, Ive left the sales person 2 notes, multiple messages, two notes for the manager, called Lithia dealer complaints and still no action. This costs them money so no wonder no action. My sales guys was terrible but I had faith in management. No more, sad. I guess last option is to drive up there and wait until someone actually is forced to deal with me. Do better.
Product: Checking or savings account

Car insurance paid on XX/XX/20, charged {$35.00} overdraft fee. Completely unrealistic because direct deposit credited to account prior to XXXX on XX/XX/20. Why does Bank of America insist on being so XXXX with low income people especially during this time?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital One charged my Walmart credit card {$400.00}. The charges were part of a fraud investigation. They claimed that the {$400.00} was credited to my account during the investigation. That's a lie. They did not credit my account {$400.00} during the investigation. So now they added the {$400.00} back on my balance. They also have destroyed my credit by reporting that I was late 30 to 120 days. I want the {$400.00} on my account credited back to my account not to the balance. I also want them to retract the late payments on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX loan # XXXX in the amount of {$5000.00} originated XX/XX/18 has been paid off in full on XX/XX/18. Equifax and XXXX is still reporting that I have a balance of {$5000.00} which is not true. Equifax updated their report on XX/XX/18 and showing a balance of {$5000.00}. Because of this false reporting my credit score dropped 50 points! I want this false reporting of {$5000.00} to be corrected to {$0.00} immediately! This account is in good standing.
Product: Money transfer, virtual currency, or money service

I have an Apple Mastercard. The Apple Card had a wallet app. Since the XXXX of XXXX I have been unable to see any individual charges on my credit card but the balance on my card is not impacted. I have contacted XXXX multiple times ( XX/XX/2015, XXXX ) and nothing has been done. I am unable to see a breakdown of my balance or individual purchases in the XXXX app and on the website.
Product: Checking or savings account

I opened a checking account with Ally bank for the express purpose of using it to deposit and spend which is what checking accounts are for. I funded the account from my XXXX account with {$10000.00} direct software transfer which Ally had no problem taking in my deposit. 
Then on XX/XX/year> I did a wire transfer for {$10000.00} leaving the {$100.00} to cover the {$20.00} fee and sufficient to keep account open for next deposit. 
On XX/XX/XXXX, I received a call from Ally representative that questioned me for 16 minutes. I answered all of their questions and instead of completing the transfer, said they didnt like the amount I was transferring and referring it to their fraud department for a review that would be completed by XXXX close of business that day. 
Then for no reason, the wire transfer was cancelled, my account was locked with no way to see a status what was going on. It appeared to me this was Ally Bank attempt to steal/swindle me out of my money operating unethically if not illegally simply because they didnt like me spending my own money. 
I then called the fraud department trying to understand what happened, what was their process, when will it be done, where is my money, how do I get it out of them. 
There answer is always the same : Call the next day to see if there is a status, The people working in the fraud department have no idea what their process is, how long it takes or even who the phantom investigator is that has no name, no contact number, no stated reason for what or why their investigating. 
I need your help to get Ally Bank to stop this criminal behavior and release my {$10000.00} immediately. I want my account closed after my money is returned to me. 
The unethical behavior at best is : 1. Unilaterally determining how and when I can spend my own money. 
2. Locking my account to where I am not allowed to see status or even the agreement that supposedly allows them to whatever they feel like with my money.

3. Having a fraud department that can not state what their process is or how it works.

4. Appointing a phantom investigator that has no name, no contact information and has not reached out to me for 6 days after stealing my money. 
Please help me get my money ASAP so I can part ways with this SCAM of a Bank and do what you can as their regulator to get them to develop and follow written policies and procedures so this dont happen to anyone else. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ally Checking Account ending in XXXX. Because account XXXX XXXX XXXX locked cant get full number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX emailed me saying there were fraudulent charges on my credit card. I called them that day and had a very confusing hour-long call with a representative from their credit card services department. She accidentally closed my entire credit card account and reopened it the next day, XX/XX/XXXX. I received a letter from XXXX XXXX about my account closing the same day I received a new credit card in the mail and a notice to pay my balance for the month. A week later around XX/XX/XXXX, I checked my credit score with XXXX and XXXX, and my credit card history is completely missing from my credit score. 

I am in the middle of trying to buy a home and getting a mortgage, and the adverse affect this is having on my credit score is delaying and potentially derailing the entire process. I have filed a dispute and a complaint with XXXX XXXX, but they are unresponsive and unable to give me any answer or next steps as to what I should do. I have contacted XXXX, specifically, and they told me that it is XXXX XXXX 's responsibility to report my credit card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a recent late in XX/XX/XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.
Product: Checking or savings account

XXXX XXXX who opened my account did so without giving me full details of the account type and obligations of me opening the account or the full account details therein. This young lady claimed to have been a temporary transfer at the time and repeatedly asked for assistance from a coworker to aid in opening the account since there was so much information she just didnt know and claimed they did things differently at her bank, which made no sense as banking institutions tend to follow the same procedures by law. There were bulk loads of misinformation given to me such as that Citi bank did not offer secured credit cards but rather only credit cards I could apply for. She also did not tell me that I had to maintain a minimum of XXXX dollars in the account to avoid the XXXX monthly service fee as it was explained that police to me today XX/XX/2020 appx XXXX CST to XXXX XXXX  CST on a recorded phone call. This information had never been previously made aware to me. This account I feel was opened under fraudulent terms in which I feel I was taken advantage of because I am a XXXX individual ; I also feel that due to my XXXX Ms. XXXX did not feel it necessary to explain the full account details to me in a way that I could understand. This deceptive customer service tactic has led to several ongoing issues with the bank from misleading customer service to outright flagrant disrespect and dishonesty in customer service representatives and the information they provide me as an account holder.
Product: Mortgage

We currently have a mortgage on property in XXXX PA XXXX with Chase. Chase regularly misapplies payments and will apply payments to principal rather than to the normal payment due. Chase will then contact us to tell us that our mortgage is past due and threaten foreclosure. This happend approximately XXXX month sago and after a conversation on the phone they finally fixed their error. This has now happened again. I contacted Chase on XX/XX/2016 and after a long discussion their representative advised that they had misapplied the XX/XX/2016 payment to principal, would reverse it and issue a new statement within XXXX hours. On XX/XX/2016 i received a new collection notice stating that we were XXXX months behind and we still owed additional funds. Since we pay our mortgage every month this seems quite impossible.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX decided to sell my loan without telling me in XX/XX/year> XXXXXXXX XXXX plotted to perform another escrow analysis on my mortgage of less than 6 months well-knowing they were selling my mortgage undenounced to me at the time. 
XXXXXXXX XXXX XXXX  as a result of their new unknown escrow analysis, increased my mortgage. 
XXXX XXXX never notified me of the mortgage increase. 
XXXXXXXX XXXX then sold my mortgage after notifying me of a late payment. 
*Upon receipt of the late payment notice, I contacted XXXXXXXX XXXX and they notified me on the phone of the mortgage increase due to their new escrow analysis and the sale of my mortgage and could not help me any longer, stating that they no longer owned the mortgage. 
XXXXXXXX XXXX sold the mortgage to XXXX XXXX XXXX in the interim of the sale, XXXXXXXX XXXX would not take my phone calls or letters nor was XXXX XXXX due to the new mortgage company account being setup with XXXX XXXX XXXX 
*The terms of my mortgage sale states that for 60 days I shall not be penalized nor any credit bureau reporting in a negative fashion. 
XXXXXXXX XXXX notified the credit bureaus of a late mortgage payment while in parallel not giving me notice of the same mortgage increase or proof of same. 
*I have no mail, email, written or otherwise any oral communication to me, with proof of service that XXXXXXXX XXXX increased my mortgage, while in parallel making my mortgage payments in full, plus adding an additional {$150.00} to my mortgage payment to my new loan servicer XXXX XXXX XXXX after the fact I discovered due to a late notice that my mortgage increased without notification prior. 
XXXXXXXX XXXX  charged me numerous late fees, interest and late charges plus notified the credit bureaus of a late payment, which was {$67.00} short, but not notified to me. 
XXXXXXXX XXXX shall be fined and reprimanded and further, XXXXXXXX XXXX should be made to correct the fraudulent credit bureau notice.
Product: Debt collection

Last year, I filed a complaint about XXXX XXXX who called from the late summer of XXXX into the spring of XXXX. Our phone message asks four questions of all callers : ( 1 ) a full name ( 2 ) a legitimate callback number ; ( 3 ) time of call and ( 4 ) a detailed message. The message further says if you give us this, we will call you back. 

We know the debt collectors are looking for someone we do not know. The debt collectors have been looking for this mystery person since XXXX. When you stopped XXXX XXXX from calling, we had about a 8-10 months peace and now Portfolio Recovery Associates calls all the time. 

Since Portfolio Recovery Associates does the same thing- will NEVER leave a message but call every week day, sometimes 2-3 times per day- we are growing tired of it. If they would follow the prompts and leave the information for which, we ask, we would speak to them, tell them we do not know for whom they seek, and then tell them NOT to call but they continue disrespecting us. We OWE NO DEBTS to anyone other than what we are currently paying. 

XX/XX/XXXX, XXXX- call at XXXX XXXX hang up XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX. hang up. XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX We receive other calls from private callers as well as ones with similar area codes but no one ever leaves the required answers we request to speak with them. This has been ongoing for a long period of time ; I have been slow in keeping a diary as I thought when the CFPB got rid of the XXXX XXXX onslaught of calls, we would be done with these people. Apparently not.
Product: Mortgage

My bank has forced flood insurance for 3 years in the amount of over {$5000.00}. I was incarcerated at the time. I have gone through FIMA and have gotten off the flood map. They have put this on the back of my mtg.. I'm a XXXX veteran and can not get a loan through the VA or any other bank as they are holding me XXXX for this money. The fees are extremely excessive. They don't answer their phones. I can't even get a record of the fines and penalties broken down. This is Regions Bank. They lost a {$50.00} XXXX dollar settlement in 2016 for doing the same thing. Please help me with this as I'm at my wits end. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX One Main Financial XX/XX/XXXX