23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was offered pandemic assistance in the form of forbearance, which I took starting in XX/XX/XXXX. I was under the assumption we would be able to move any payments not made to the end of our loan. 

We took the entire extension offered of 18 months. 

XX/XX/XXXX I submitted an application on the website to do a loan modification. I checked the next day and it seemed to no longer be there, so I submitted another request. I checked back nearly daily. It came back denied, due to a previous modification, that had been made more then 12 months ago. 

On XX/XX/XXXX, I submitted another request for a loan modification. It was denied on XX/XX/XXXX. 

On XX/XX/XXXX, I called and talked to our loan representative. She said we could do a deferral of payments on the ones we missed and they would be added to the end of our loan. She said I should make our normal mortgage payment as planned. 

On XX/XX/XXXX, I logged in to make the payment. It said I was denied for the federal and I could not make a payment at all on line. 

I tried called the representative I spoke to directly-I got her voicemail. I talked to someone else, who was extremely hard to understand ( he was muffled-I asked him more then once to unmuffle ) for an hour. I came out of the phone call with no resolution. I guess the deferral was denied because it would take 30 days and at that point I would be 19 months behind on my loan, even though I was told to make a payment XX/XX/XXXX. 

I called my representative again and left a voicemail after the hour long phone call with the other agent. At this point, there is 4 days left of the month ( 2 business days ) and Im not sure whats going to happen. I dont know if foreclosure proceedings have started, I dont know if I can try to pay the forbearance payments over the course of 6-12 months on top of a regular mortgage. I have no resolution or actions to take. 

It takes at least 24 hours for someone to get back to me. While I understand its a business and there are other people in line, I should be able to talk to someone who could actually help me.
Product: Credit reporting or other personal consumer reports

I have previously requested that XXXX and Equifax investigate the accuracy of XXXX account # XXXX, and please remove inaccurate information. Both credit bureaus list a different date opened for the account. An incorrect balance, the high credit limit is different, the last reported date is different, the date last active is incorrect, and the date of last payment is wrong. They both show various information. XXXX shows nothing at all
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ; XXXX ; XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 ) Hard Inquieres XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX  ( XX/XX/XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

In XX/XX/XXXX, I contacted Gm and asked to skip 2 payments due to financial hardship. In XX/XX/XXXX, I contacted Customer Service to make my final payment and was advised that my account had been paid in full. On XX/XX/XXXX, I received a threatening letter from GM which, stated that a payment of {$2000.00} was due immediately. I contacted GM and asked why the automated system stated the account was full paid yet, I had a balance due notice in hand and was advised that in XX/XX/XXXX, I was granted 2 skips and the payments were added to the end of the loan. The balance owed was the interest that was due. I contacted Customer Service who advised that I needed to sign a new contract immediately or, Collections would repossess my car, I did not remember being granted the skips and requested an account transcript, GM refused. I asked to speak to a Manager to request a breakdown of the charges and the computation of the interest. They refused. I contacted the automatic system today which stated that my account has no balance due. General Motors violated my rights because they billed me for interest on the skipped payments for more than six years without first issuing an account statement to advise me of the interest due until after the loan was full paid.
Product: Checking or savings account

On XXXX XXXX at XXXX XXXX. I tried to deposit my cash amounted to XXXX dollars in my KeyBank account. The atm counted the money and showed it all went alright until it said unable to process transaction, see attendant inside. It was a Sunday so there was no way of going inside. We called KeyBank immediately and followed a complaint. I called the KeyBank at XXXX XXXX XXXX, XXXX as soon as they opened early Monday morning. They assured me that they would balance the atm and call me to let me know the status. A provisional credit was issued and I thought everything was going well until I followed up and they said they didnt find anything. I am now down XXXX dollars and dont know where to go from here. I now dont trust KeyBank and feel they did me wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a 30-day late payment to my credit report during Covid 19 Unfortunately with the stay-at-home orders, my business was shut down most of 2020. When I called and spoke to the XXXX customer service person regarding my payment for XX/XX/2020 being paid late, I was told that as soon as I could bring my account up current that they would remove any late payment history from my account, as long as it was within the time frame we set, which was no more than 30 days. My account was paid late for the month of XX/XX/2020 however, was brought current by XX/XX/2020, within the 30-day time frame we had agreed upon. Now after the fact, XXXX is reporting a late payment still for XX/XX/2020. I have tried contacting them to have this removed as well as filed a CFPB previously since I could not get a response back by mail. The response that I received from the cfpb complaint from XXXX was that they will not remove the late pay : '' XXXX did not cause the error of reporting status '' There was no acknowledgement of anything that should have been taken into consideration with my account. This is not a normal practice for me, I am a business owner and pride myself on paying my debts on time with a good history. With the nation trying to get back on track financially, one would think that a large corporation would be much more willing to help a consumer with removing one late payment off of the credit history especially when the consumer has a XXXX balance and made the account current as stated within 30 days. Very disappointed
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings : It's been over 20 years of negative reporting on my credit report. 
The problem concerning this issue has to do with XXXX, which will not fix this problem. 

I'd requested information about the person that's using my name somehow and has a car in my name. I do not own a car and never have. XXXX was warned not to give nor share any information about my account using my SSN at anytime. They are not authorize to do so! 

I would like the head of this company or any other legal personal to look into this matter!
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to Spring oaks capital llc. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Product: Mortgage

I am trying to refinance ; I locked in a rate over a week ago.

I currently have my mortgage through Ditech. The title company requested a pay off quote from Ditech 2 weeks ago.

Nothing was received.

I called Ditech on XX/XX/18 for the payoff and they said 3-5 business days.

We have called them daily, no payoff.

In addition to the title company and new lender calling daily, I called yesterday and spoke to XXXX and explained the situation yet again, she was escalating to her supervisor and would get the document sent over yesterday. We still dont have it.

I attempted to print it online but it said a payoff is not available for my account.

My new rate is expiring.
Product: Debt collection

I recently discovered a collection account on my credit report from National Credit Adjust ( Account Number : XXXX ), which was originally from XXXX XXXX I do not recognize or acknowledge this debt as valid. I have formally disputed the debt with the collection agency, requesting debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Uniform Commercial Code ( UCC ). 

I have asked for : Proof of the original contract or agreement. 
Detailed accounting of the debt, including any fees, interest, or other charges. 
Evidence of assignment contracts or agreements showing the legal right for National Credit Adjust to collect on this debt. 
Despite my request, I have not received proper validation or verification. I believe this debt is either inaccurate or not legally enforceable. Until validation is provided, I request that all collection activities and reporting of this account to credit bureaus be halted. If validation can not be provided, I request immediate removal of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Loanme filed a complaint against me in the Superior Court of California , County of XXXX XXXX. Case Number XXXX. 

They contacted my employer numerous times harassing human resource department, threatening to visit my employer. 

They sent someone by my employer and tried to serve me at my place of employment twice. They actually served papers to my human resources department. 

The continued their harassing calls to my employer and this cause undue hardship with my employment and threatened my employment. I could of lost my job. It did do damage to my reputation as a XXXX and for this I am marked by employer as not being financially stable. 

Fair debt collection practices laws were violated and I am seeking a correction. 

I went to court and paid this bill in full. This bill was not charged off but paid in full. 

I want this account totally removed from my credit report. I paid over the amount that I borrowed. I called the company and tried to work out a pay off of the account, but when I called they would not take allow me to pay off the account. Then the collection activity started. I have proof that envelopes were sent to my place of employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. They addressed the envelop to my employer so they would open it and read it and know all my personal affairs of this loan and the complaint that was filed in Superior Court. 

This is a direct and planned strategy of LoanME and should not be tolerated.
Product: Debt collection

I had a call from a XXXX  number that was a spoofed number. When I answered the lady asked to speak to me. I said yes. The next question was what was last XXXX of my social. I told her was not giving that. She then told me my whole social and address. She has no right giving my social over the phone. She then got irate and started screaming that she was going to have her company sue me. XXXX minutes later I received an email from XXXX XXXX in XXXX XXXX saying they were going to sue me. The letter is trying to collect triple the amount of debt.
Product: Credit reporting

I submitted a copy of my state 's driver 's license and social security card to the agency to verify my identity and to remove the different variations of my name, incorrect addresses, incorrect telephone numbers, incorrect social security number, and non factual unauthorized hard inquiries from the following : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.I received a response 4 days after my dispute it can be assumed that there was no investigation. I am submitting this complaint due to the lack of investigation of my original dispute of incorrect identifying information and for non factual unauthorized hard inquiries that does n't belong to me. I did n't sign for anything this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/XXXX to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
DEPTEDXXXX  XXXX Balance : {$5800.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$68000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$31000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$17000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$6600.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$4800.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX  XXXX Balance : {$10000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX  XXXX  XXXX Balance : {$400.00} ; XXXX/XXXX  XXXX Balance : {$380.00} ; XXXX XXXX  XXXX Balance : {$510.00} ; XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$260.00} ( XX/XX/XXXX - XX/XX/XXXX )
Product: Student loan

Loan was deferred. I was told by a customer service rep that the deferment would be retroactive for the XXXX payments while completing the process. My credit report now shows XXXX late payments for XXXX loans during that period. I have disputed several times and sent emails but they will not communicate on what happened or how we can get it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRELLIS COMPANY has been previously notified to verify my account to be accurate and complete. I have noticed that TRELLIS COMPANY has been violating my rights by reporting inaccurate and incomplete information on my credit report. TRELLIS COMPANY is reporting different information to two different credit agencies for the same account. TRELLIS COMPANY has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that TRELLIS COMPANY has NOT researched and verified these accounts in violation of my rights. Needless to say, their willful and continued disregard for the law has caused me damages.
Product: Credit card or prepaid card

American Express has been sending me emails promoting a " Plan It '' program with no interest payments when using their credit card on a qualifying purchase. 

On XX/XX/20 I went to Am Ex website ... 

https : //global.americanexpress.com/lending/installments/calculator ... and used the online calculator to find out what terms would be for {$3000.00} It showed options for repayment of no interest for either 12, 18, or 24 months. 

On XX/XX/20 I called Am Ex customer service and confirmed my intended purchase would qualify for this " Plan It '' promotion. I when spent {$3000.00} using American Express. 

When the charge posted to my account on XX/XX/20 I tried to use the " Plan It '' promotion but the options were now 3, 6, and 12 months. 

On XX/XX/20 I called Am Ex customer service and spoke to XXXX. I explained my situation. He used the calculator and got the same times of 12, 18, and 24 months. 

He put me on hold and spoke with the " Plan It '' team. They declined to offer me what their calculator had saying the calculator was just an estimate. 

In the fine print of the offer terms it did state the terms could be changed because of credit worthiness. 

I have kept my Am Ex account in good standing for years. 

My balance on the card is well below my credit limit. 

I have a high FICO score. 

There was nothing in the fine print of their terms, nor in my credit history which could have suggested to me the terms would be anything other than what was shown by their online calculator. 

I consider this to be a highly deceptive promotion, especially during the coronavirus national emergency.
Product: Mortgage

I am now {$20000.00} in the rears with my mortgage with Ditech i have been behind since XXXX.. I had XXXX XXXX in XXXX.I lost my Job of 10 years because of losing time from work. That is how i became behide. I now I am able to pay my mortgage and have submitted a Modification 2 time. Both time they were denied with Ditech. The reason that they denied me is because of the programs that they have to follow. This is where the problem comes in. I have attached the 2 denials for your review. What i have a problem with is that being that i am a Certified XXXX XXXX myself I have seen the Modifications that lenders offer clients.My interest rate is 6.75 % and has been so since 2004 rates are much lower now. Most modification that I have seen come across my desk have lowered the rate to 2 % 3 % so that the # s would work. I have since them also give a Balloon Payment of 15 years. This would give the mortgagor time to get on their feet. This option was not offered to me. I know that this option is available but the lender is not trying ever possible option to keep me in my home. Again my rates in 6.75 %
Product: Debt collection

Its been over a year since I received a loan from speedy cash in XXXX, Texas at XXXX XXXX XXXX. Now, theyre calling my family members and threatening to call my job and apartment complex in an attempt to collect a debt of {$360.00} by next Friday.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Mortgage

I have called mortgage company multiple times to let them know that they pulled the funds out of my partner 's account for the mortgage payment yet they are stating that they never received the funds. The account owner of the account the funds came out of went to their bank and had the bank call their back office team to confirm that the funds did in fact get withdrawn by the mortgage company. 

Chain of events : XX/XX/year> : Payment in the amount of {$2300.00} tried to process through the account and was returned for non-sufficient funds on XXXX XXXX XX/XX/year> : Funds were returned due to non sufficient funds XX/XX/year> : Charge in the amount of {$2300.00} was re-processed by Mr. Cooper through the account and successfuly paid
Product: Student loan

my fed student loan was discharged in XX/XX/2023 for public loan forgiveness. i have made XXXX payments ( XXXX required ) which should be refunded. I have contacted XXXX and they replied Mohela needs to deal with it. Mohela has not responded.
Product: Credit card or prepaid card

I was at a club lost my wallet and and my card got charged XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 bankruptcies showing on my credit report. After contacting the court in which they stated that they dont share information through third party
Product: Checking or savings account

On XX/XX/XXXX I noticed about {$2100.00} in authorized charges come out of my business account. I called the company, and listed each unauthorized charge mostly XXXX charges that were unauthorized. 

I was told within 24hrs I would receive contact and they said they would send me another card. 

The new card came, I activated the card, but noticed that my money was never credited back to my account. 

XX/XX/XXXX I noticed a {$450.00} charge that was unauthorized and they said they would expedite another card. But when I questioned them about the staus of my provisional credit, they said it wasn't processed and they could submit a hardship, I was FURIOUS! 

They couldn't give me any answers and panned it off to some nameless faceless department that seemed like they were beyond getting any explanation, meanwhile that is my business account and now I will be short payroll. 

So not my total loss is over {$2500.00}, now I am told it will be 24-48 hrs for me to here of a " Decision '' for them to give me back my own money that was taken and got passed their security.
Product: Credit card

In XXXX, XXXX and XX/XX/2021 I became extremely XXXX  with XXXX. I was hospitalized in later XXXX to early XXXX, then on XXXX XXXX, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a relaps and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.