23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2018 My VA guaranteed loan with a monthly payment of {$1600.00} was refinanced to {$1400.00} supposedly by interest rate reduction The field on the XXXX XXXX  application that is listed in the Lender case number box with ( XXXX XXXX XXXX ) VA XXXX XXXX XXXX Loan number XXXX listed XXXX as the refinance amount in the " Amount of existing liens box '' thus lowering payments by applying a lower interest rate from 4.375 to 3.2. I  did not realize it would cost me {$10000.00} more undefined dollars when ( XXXX XXXX  loan number XXXX listed by LIC #  XXXX, NMLS # XXXX ORIGINATOR XXXX XXXX XXXX, NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Tel. XXXX FAX XXXX ) assumed the loan and issued undefined charges and then handed off to XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX acct number XXXX When I asked, I was told nothing. The amount added to my balance when all was said and done within a practice called " CHURNING ''. I had a loan of {$280000.00} dollars and after it was refinanced it turned into {$290000.00} This loan was churned with intent to take advantage of a XXXX Veterans status with a defunct VA mortgage department that did not do its job when approving this loan.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. I have been a victim of identity theft, and my information was used fraudulently, resulting in an account I was never associated with. Following proper procedures, I filed an FTC report as advised by Equifax and submitted the necessary documentation. Despite this, the fraudulent item remains on my credit report. This is unacceptable.
Product: Debt collection

I am a XXXX XXXX XXXX whose XXXX has come to a stop due to COVID-19. 

Many of us XXXX XXXX XXXX are facing financial stress, XXXX and some may consider suicide during these unprecedented times. What happened to my XXXX of 20 years due to COVID-19 is not my fault. 
NOW Im dealt another blow from attorneys seeking to generate fees in the collection of a debt that I no longer owe. 

While my mortgage payment and other bills are due. Even my lender is working with me due to COVID-19. But not these debt collection attorney firms. 

On XX/XX/XXXX I accepted a settlement offer that the case would be dismissed for no fees, fines in return I would make changes to landscaping. I have the settlement in writing. 

The debt collection attorneys at that time were XXXX XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Georgia XXXX. XXXX. 

Nowack Howard XXXX XXXX XXXX attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX The week of XXXX I was notified that another law firm Nowack Howard was added to the lawsuit. Now there are Two attorneys firms and Four lawyers trying to collect a debt that was already settled. 

The week before XXXX I received notice from the courts that a case that had been settled was now scheduled to go to trial on XX/XX/XXXX. 

I was blind sighted. From XX/XX/XXXX until XX/XX/XXXX. No activity happened on the lawsuit. I assumed it would be dismissed as agreed. 

Now these attorneys firms operating with unfair practices and have no integrity. All for collecting attorneys fees have decided NOT to honor the settlement agreement in XX/XX/XXXX. 

I have provided written evidence and asked they stop the misuse of the courts time. The only thing they care about is the financial reward of having a new client. Theres no reasoning with the new attorneys as their goal is to aggressively rack of attorneys fees. 

They reopened this case during COVID-19 the week before XXXX which gives me little time to prepare. This was rushed through the courts with the hopes I would have little time to get ready and a default judgement would be found. 

These attorneys have Not acted honestly after I notified them that the matter was settled. They are not trying to avoid non essential litigation. But proceeding with this case as though I committed a crime. 

During COVID-19 these practices from attorneys acting as debt collection agencies should stop. When a written settlement is in place, they should consider honoring said settlement. 

But for financial reward they see before this case would have stopped.
Product: Mortgage

M & T Bank mortgage. Our home is in Florida. We received one month 's mortgage forebearance after Hurricane Irma on XX/XX/XXXX because my husband was out of work for almost a month. M & T referred us to XXXX who advised us to overpay our mortgage payments in XX/XX/XXXX and XX/XX/XXXX in order to avoid having to go on a payment plan. We did so. In XX/XX/XXXX, we realized they had applied the overpayment to the principal, not the missed payment. Called M & T was assured it was sorted out. In XX/XX/XXXX, I called M & T upon making the final portion of the missed payment to ensure all the money was directed to the missed mortgage payment. Was assured that it was. In XX/XX/XXXX, we received a {$59.00} late fee, notice of missed mortgage payment. Called again. Was refunded the {$59.00} late fee and assured AGAIN that the overpayments were applied to the missed payment. In XX/XX/XXXX, had ANOTHER {$59.00} late fee and notice of missed payment. Spent another hour on the phone with rep. It now appears to be sorted out ; however, our XXXX statement of mortgage interest for XX/XX/XXXX is understated by one mortgage payment or approximately {$800.00}. Was assured on Monday, XX/XX/XXXX that the statement would be corrected and would be available in a couple of days. Called again on XX/XX/XXXX and was told the statement hadn't even been ordered. My taxes are already with the accountant and the amount will have to be estimated now. I would like to know how to report M & T for fraudulent business practices. Misreporting mortgage interest on a federal form would seem to be a crime to me.
Product: Mortgage

UWM reached out when setting up payments from my escrow account and inquired as to my consent to pay my supplemental tax bills. UWM was my loan servicer for the greater part of my first year owning my home at XXXX XXXX XXXX As such the tax bill had not updated until the following up, so a supplemental tax bill was created for me to match the property tax owed for XXXX. After getting consent, they made three payments of {$560.00}, XXXX and XXXX whose amounts I got directly from the Tax Collector for XXXX XXXX XXXX. They had made the last payment late and I never received notification of such in the mail. That late payment incurred a fee and then in turn that amount then became defaulted on, which incurred a XXXX default fee. UWM transferred my loan and escrow accounts with a delinquent balance, so I began incurring monthly fees for {$49.00} until I reached out to XXXX XXXX XXXX XXXX and investigated this entire matter. If UWM was unable to accept the responsibility of paying my supplemental tax bill, the appropriate course of action should have been to refund me that amount and allow the homeowner to pay those payments. I incurred an obligation of over {$1000.00} dollars as a result of their negligence, and in their response letter contradict themselves in stating they made the supplemental tax bill payments but that supplemental tax bills are the responsibility of the homeowner. I would appreciate some resolution and admission of fault at a minimum from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I wrote to transunion to fix my credit report by removing items that are not correct. I asked in the letter I sent on XX/XX/21 for them to send me documents signed showing I did this and they have not complied. Recently I spoke with the XXXX court who stated that they dont have any record of a bankruptcy sent to transunion, which is reflected on my XXXX report no bankruptcy. After asking transunion to remove this inaccuracy they sent a letter backed saying it was verified which is not correct. Please help.
Product: Student loan

I have tried to contact EdFinancial Every day for the week of XX/XX/XXXX through XX/XX/2023. They continue to say they will call me back and save my number in line. I have yet to receive a call back in five days. Second, I had submitted twice now, loan deferment papers because I am a full-time student. Both times when I go into the system it says my papers are not in there even though they have given me confirmation of submission when I submitted. XXXX, XXXX XXXX  does not start till XX/XX/XXXX yet they are trying to charge me a payment on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX  XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit card

A credit card was opened up in my name with numerous purchases. I was not aware of this until I seen the card on my credit report. I filed Bankruptcy in XXXX so I know my credit was n't great and had no need to check my report, but when I did and made the dispute with XXXX, Capitol One states I waited too long to report it to them. I then contacted Capitol one to report this fraudulent credit card. Capitol one will only issue credit for partial amount as fraud, this they say was because I waited too long to report it.. How was I to report credit card fraud for a credit card I knew nothing about? So my complaint is with Capitol One since they are making me responsible for the majority of the charges. I asked Capitol one for a copy of the statements from the time the card was opened in XX/XX/XXXX. This request was made in XXXX and I still have not receive them after calling numerous times for a request. In order to file the police report they said I needed proof of the fraud like the statements with the address where they were originally being mailed to. Capitol one will not even tell me if this was an online application or paper. How was this approved with my recent Bankruptcy?
Product: Student loan

My federal student loan went into default XX/XX/XXXX or something. Progressive Financial Services submitted a form requesting wage garnishment in XX/XX/XXXX. The amount listed under the original request was for {$53000.00}. My loan was for {$40000.00} the {$53000.00} included fee+interest. This collection company has taken over {$73000.00} in garnishment from my wages. My HR department has verified they were paid under the original request. This company has submitted a new request for {$35000.00}. They stated that they will take over {$100000.00} and they will continue to garnish until I stop working because they have the right to collect daily interest and fee 's even though the requested amount from my HR department has been satisfied. I need help. This loan has been paid back twice already and they refuse to stop the garnishments.
Product: Credit reporting or other personal consumer reports

there's unauthorized and fraudulent charges on my credit report, these charges are XXXX XXXX XXXX account number XXXX amount {$720.00}, date open XXXX is a charge off.
Product: Checking or savings account

This is in reference to previously filed complaint XXXX. This issue has not been resolved by the bank as we are questioning the legitimacy of the operational practices involving potential violation of The Right to Financial Privacy Act and the rights for dual account owners. The company failed to communicate to both owners of the account properly. The company stated a county court order served as a reason for closing the account without notification. A county order does not overwrite the federal rules and regulations for financial institutions in the United States. In addition, the bank failed to conduct proper due diligence and protect the consumers ' rights from false allegations and injustice. 
As such, the bank acted in bad faith and the compensation for damages is due.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a letter dated XX/XX/XXXX which I uploaded which stated that my recent application has been declined so I was completely baffled and I called PenFed and asked him what happened and they said I had asked for a personal loan in the amount of {$15000.00} for Home Improvement and I asked them if I could have inadvertently for lack of a better terms butt dialed this information and they said absolutely not you would have to input much information and I said I emphatically did not do this and and I don't want my credit hurt for this and I called them and told them is just going to hurt my credit I said I had many problems logging into the account maybe I need a new credit card but they told me that there was no fraudulent activity on that credit card also I uploaded a picture of XXXX XXXX 's receipt that was canceled because I caught it this people in New York were trying to buy XXXX dollars worth of cameras at XXXX XXXX with my name and my address as a billing address on XX/XX/XXXX and I got an email in my email address and I said I called XXXX XXXX and said what is this all about they were able to screenshot me that saying cancellation well the very next day they did the same exact thing and I told XXXX XXXX it's just go ahead and cancel my account for right now and I can open it up at some other date and I also had to go to XXXX XXXX XXXX and say get THIS SAME New York address off my phone so basically I also did a another Report with the local police for something that's other fraud that started on XX/XX/XXXX I have other reports this is just like an addendum and I also did a report with the Federal Trade Commission/ I think it went through the FBI from what I understand but this is just an addition to because it's never ending because when I did that report I could ONLY GIVE XXXX incidences so that's why and because it keeps happening that's why I chose this route because it's something else is happening and I can only report XXXX things so that's why I'm here thank you to your help in advance
Product: Debt collection

I c systems is contacting me for a debt that is no longer with Ic systems the debt now has been transferred to XXXX XXXX XXXX I have asked Ic Systems to stop calling me more than once I asked that they only contact me through the mail only the debt is no longer Ic IC systems debt please stop contacting me please
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} Collection # XXXX XX/XX/XXXX -- {$190.00} XXXX # XXXX XX/XX/XXXX -- {$110.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Apparently a credit card company sold my debt to Atlantic Recovery Solutions sometime in early 2020. Since then they call at least 4 times a day from numbers different than the number they want me to call back including using the area code for the city I used to live in. They do not tell me what they are calling in regards to except that my social has been attached to a legal case in their office. They also send numerous texts regarding this as well. Also I told a representative that I wouldn't be able to pay until probably tax time and she very rudely told me that I will keep getting the calls until then and hung up on me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments. 
XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sent debt validation to XXXX XXXX  on XX/XX/XXXX on my behalf. The company responded on XX/XX/XXXX with a letter asking me to provide basic information about me. ( Document attached ). I have sent letters with attached documents and nothing has Beem done to remove this account.
Product: Checking or savings account

My account was closed in XXXX by bank of america i had a cpl claims that at that moment made my account go negative i havent touched my account since XXXX of XXXX all my claims were approved to my favor and were paid. But XXXX neverpaid me my balance money that was in my account prior too. Its been XXXX yrs and all claims says is they cant discuss or they cant see that far back therefore i cant do nothing why they can not give me my money that is mine... all i want is whats mine no more no less i been very patient waiting on there respond. And nothing please help. XXXX in a crisis right now XXXX of this
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently checked my credit report and Ive noticed my rights are being violated. Ive disputed with the company the have still yet to removed. 
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 Ive disputed with creditors with reference of the laws and rights theyve broken. 15 USC 1681a* ( 2 ) * ( B ) & 15 USC 1602
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXXXXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX & XXXX XXXX. : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

DiscoverBank at XXXX XXXX XXXX XXXX, DE XXXX has been sending me collection notices in the amount of {$2500.00} the collection has been reported as a past due balance. I do not know this company i have never done business with this company. this company does not have a contact with my signature. 

The Discoverbank account number on my credit profile is XXXX****. Also the open dates of this account is different between the credit bureaus showing an open date of XX/XX/2014 with XXXX and XX/XX/2014 with XXXX. the mere fact alone that the open dates of this account is different and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 records 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 and XXXX  XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  phone bill doesnt not belong to me and I have disputed it multiple times with no resolve it is hurting my credit score and I want to buy a house for my kids Im a single parent
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees and returned payments that have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.