23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

About 2 year ago my father passed away and I assumed the loan for his house and was making the payments.

~6 months ago I lost access to my online banking as this was my primary way to pay my mortgage.

When I Called I was told that the people who have assumed loans across the company have lost access to their account and was told to wait a couple weeks for them to resolve the issue. I have been calling almost every month for updates and continue to get told different things.

The last two months I have called I have been met with incredibly rude faculty and was just recently told that it is a known freedom mortgage company policy that anyone who has assumed a loan will NEVER get access to their online account due to a security issue. 

There has been no policy published that shows this is accurate and I was told while assuming the loan that I would have full access.
Product: Credit reporting or other personal consumer reports

The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did set up my account on XX/XX/2020 as an automatics payment. They sent me a confirmation email. The reason why I didn't that is because I was traveling a lot for a camping site where I didn't have internet all the time. So in XXXX a got an email from XXXX saying that my credit decreased and that I had late payment. I got in chock. I have been control all my account for my passed 4 year because I'm looking to buy a house. And I haven't delay any payment. I do have money on my bank account so I didn't need to delay any payment. I tried to contact the XXXX XXXX and they told me that the account number I added to be the automatics payment were wrong. I asked them why they didn't call me, sent an email or mail telling me that the payment didn't went thru. They told wasn't they job to check on that. They stopped to sent email after the day I set up my account for XXXX. After all the conclusion that they couldn't help me I paid off my car and I don't want to have an account with them anymore in my life. But the 2 late payment in my credit report is blocking me to get a better mortgage. All my account are setting up automatic payment. The only one wasn't made my credit report bad.
Product: Checking or savings account

I sent {$130.00} XX/XX/XXXX to my mom via online transfer. The transaction processed however my mom didn't get the funds. She tried using the link that she received and it gave her an error message of '' uh-oh, something went wrong ''. I contacted Chime regarding this and the representative told me to let my mom call them. My mom called them XX/XX/XXXX and they told her that I need to contact them. I called them again XX/XX/XXXX and the representative filed a dispute on the transaction. I got an email yesterday that the dispute is denied. I told them already that my mom didnt get the money and I don't the money either. They refuse to help me with the situation nor give a credit back in my account.
Product: Student loan

Had a school loan with Wells Fargo that started payment in XXXX of XXXX, after I graduated. Unfortunately, in XXXX I was struggling to make payments, contacted them multiple times. Im XXXX, I had my son and decreased hours at work. I struggled many days trying to speak with someone about options : lowering my payment, deferment, etc. They said based off of how much money I made, my payment was accurate. I reiterated thats great, but thats all you see. You dont see rent, a child, child care, groceries, insurance, etc. and unfortunately told them on the phone I could no longer afford my XXXX $ + monthly payment and if it came between food and the loan, the loan wouldnt be paid. They said there was no other options. I struggled to make payments : maybe I paid XXXX $ /month. After multiple phone calls with them re explaining it to them, and not helping me they sold my loan to a collection agency. Its amazing how a XXXX $ payment I can afford but it took excessive harassment by them, feeling absolutely abandoned by them, and basically being told my life or needs do not matter and I need to pay. I do not have a ton of supporting documentation except for phone calls and my now loan I pay. Unknown because it was a few years ago if anything can be done for me, but even if it helps someone else it is worth filing the complaint.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to report that my personal information was compromised in the XXXX XXXX data breach, where sensitive data, including Social Security numbers, birth dates, and addresses, was exposed. As a result, I believe I have become a victim of identity theft. 
A fraudulent account, [ XXXX XXXX XXXX  ], has appeared on my credit report. This account does not belong to me and is negatively affecting my credit. I have attempted to dispute this account with both the creditor and the credit bureaus, but it remains unresolved. 
I am requesting your assistance in investigating this matter and ensuring this fraudulent account is removed from my credit report.
Product: Debt collection

I have disputed this account varies times to all three credit bureaus, I have sent copies of the IDENTY theft report which I was later told I needed to make a new one because that XXXX expired. Therefore I would send a new one with certified mail ensuring I was notified when they received it. I have requested information in XXXX and in XXXX of XXXX from the original company XXXX XXXX XXXX and to this day I still have not received anything verifying I owe this debt. This account is part of IDENTY theft and I have sent them copies of everyone confirming this.
Product: Credit card

Capital One called that someone was trying to purchase something online and that my data was breach. All my credit information was stolen and all my credit cards from different banking institutions were compromised. 
XXXX XXXX, XXXX, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022.
Product: Debt collection

This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means. I have previously attempted to resolve these issues directly with the company. However, they are in clear violation of my rights. I am entitled to compensation of {$1000.00} for each violation listed. I am formally requesting that they either remit payment to me or immediately delete the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A RE- INVESTIGATION MATTER. AS YOU CAN SEE FROM MY CREDIT FILE I HAVE HAD IDENITY THEFT BEFORE. SOMEONE HAS REQUESTED A INQUIRY ON MY CREDIT FILE AND IT WASNT ME. I HAVE SENT LETTERS TO ALL THE CREDITORS LISTED BELOW ASKING FOR REMOVAL OFF MY CREDIT FILE. FOR INSTANCE WHY WOULD I REQUEST XXXX XXXX TO PULL MY CREDIT BACK TO BACK NUMEROUS TIMES IN A 2 DAY PERIOD. DOESNT MAKE SENSE. I AM REQUESTING FOR IMMEDIATELY REMOVAL OF THESE UNAUTHORIZE INQUIRIES THAT I DID NOT AUTHORIZE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM XXXX AND DO NOT DRIVE DUE TO A INJURY IN XXXX THESE ARE AUTOMOTIVE INQUIRIES PLEASE REMOVE FROM MY CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 
Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a Notice of Adverse Action from XXXX XXXX XXXX. I have attached a photograph of this letter. They checked my credit with TransUnion. As you can see from my photograph, they used only TransUnion and you can see under the Reason category a comment that says " Serious delinquency. '' This is absolutely false. I have no delinquencies at all. 

I have also attached a copy of my TransUnion member dashboard. I pay them money so I can access my TU credit data whenever I want. As you can see, it clearly states " XXXX '' in the " Delinquent '' cell. I also got a full printed copy of my TU report in the mail. No account in the report contains a single negative payment annotation let alone a " serious delinquency. '' I contacted TU to get this corrected multiple time. I was consistently forwarded to account representatives, some of whom I couldn't understand as an English speaker, that simply provided repetetive an unhelpful replies. They gave me no means to correct the problem. Somehow TU provided false information that I know was included in the evaluation of my credit. TU will tell you that they only provide a report to a 3rd party, and the 3rd party does what they want with it. However, the information you can see for yourself can only be provided or derived from data provided by TU. I want this corrected. I never want to see a " Serious delinquency '' comment on any information provided from or derived from information TU originates, and I want an explanation.
Product: Student loan

I have been paying on this loan with NelNet for 13 years. The original loan was for {$16000.00}. I have paid {$13000.00} yet the current balance is {$13000.00}. Recently I began to pay the interest amt shown plus an added {$100.00} hoping to see the balance go down only to find that it went UP instead!

Since interest accrues daily, the moment I make a payment, it's applied in such a way that the principal rarely changes, then interest eats up whatever I paid.

I'm sure I'm just wasting my time in submitting this complaint but I'm XXXX  years old & my income is only SS. It's wrong that despite paying all these years, the loan balance has barely changed. That means I'll NEVER be able to pay it off. I can't get another loan to pay it off & from what I understand if I can't make payments, my SS will be garnished, meaning I can't pay my rent & utilities, etc.

Knowing that everyone who's a victim of this lender is in the same boat doesn't make me feel any better. Frankly, the Dept. of Education has done a great injustice to all of us XXXX  enough to take out a student loan.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I had a failed payment to repay my loan. I submitted a secondary payment to cover the missed amount, but Empower still charged the original amount of " {$180.00} ''. So now instead of Empower receiving {$180.00} they now have {$370.00} of my money. Empower has refused to refund the overpayment of {$180.00}, but says I can borrow that money and repay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account : EXPERIAN 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
Product: Mortgage

I was approved 2 months ago ( XXXX of XXXX ) by the HAF for 18 months of forward payments. Despite being told this, and also being told that the payment was sent to my lender a week prior, the payment for XXXX was not applied to my account onthe due date of XX/XX/XXXX. I then called and emailed whomever I could at all organizations trying to figure out when the payment would be applied, as it was now past the due date and was just sitting there unclaimed. 

I finallygot an emailed response from someone at the XXXX, who is the companyresponsible for dispersing the funds to the lenders. The person I made contactwith at XXXX said they would reach out to their high level contact at Flagstar to have the payment applied and it was, within the hour. This finally took place eleven days past my due date. ( XX/XX/XXXX ) Fast forward to today ( XX/XX/XXXX ) whichis the second month of this. It is now 4 days past my due date and the payment has not yet been applied to my account again, despite Horne telling me that it was ACH transferred to my mortgagecompany a week ago.

My issue is that my lender, Flagstar bank, has these funds sitting in their coffers, and no one that I have spoken to at the company has any knowledge of the program, or how to then apply these funds to my account. Since the XXXX was able to almost instantaneouslyget the funds applied last month after an eleven day delay, I am sure there is someone at this company who knows what the program is and how to apply the funds, but I can not contact them. 

The person at XXXX is unwilling to divulge this info or to write to them again to get this payment applied. Every time i call, I have to tellmy entirestory from the beginning to the new rep, who then puts me on hold for XXXX minutes and comes back and sends me to another dept which is supposed to be the right dept. It never is and I just spendhours a day on the phone being passed around from wrong dept to wrong dept. The last time I called today, ( XX/XX/XXXX ) I was put on a lengthy hold, only to be hung up on. My only option would be to call back again, start over again, and experience the same stressfulfrustration. I need to knowwho I can directlycommunicate with at Flagstar to fix this recurring problem without all of the unnecessary stress and wasted time.
Product: Credit card

Fidelity was undoubtedly negligent in handling the dispute against XXXX for the amount {$350.00}. 

Detailed evidence was provided to Fidelity in a timely fashion contained within the forms and subsequent photo evidence and that supported the following : **in response to my reaching out to return the product**, XXXX had promised in multiple formats ( communication with their agent XXXX ) not to worry and that a refund would be issued ( website plus communication with their agent XXXX ). XXXX ultimately prevented my being able to use the very return policy that they themselves detail by failing to provide a return address ( and return ID ) upon explicitly contacting them regarding returning the defective merchandise. The return address ( and return ID ) are minimally required for sending back and tracking any return to XXXX 's large network of warehouses. XXXX never provided these necessary details, despite the evidence explicitly demonstrating that I did reach out to XXXX regarding returning the defective merchandise. All of this was also explained to Fidelity Cardmember Services agents over the phone multiple times in great detail. 

Fidelity also claimed that the case processor was " unable to reach [ me ] or leave a voicemail '' ; this is despite a ) other callers were able to both reach me and leave voicemails without any issue during this same period, b ) no Fidelity numbers were blocked, and c ) at least one Fidelity Cardmember Services agent confirmed over the phone that this is a common problem that they hear from other Fidelity customers despite these customers having working phone lines and voicemail boxes. 

Kindly note that the section 45 of the enclosed Cardmember Agreement that your team references does detail small claims court as being exempt from the arbitration process. " The merchandise was not returned '' because it physically could not be returned by the customer due to the merchant 's failure to engage in and provide, upon request, order-specific return details ; hence, " rights to assist [ the customer ] further through the Visa Dispute Process '' do remain. Fidelity 's negligence in investigating this dispute also remains, as do the customer 's rights to pursue Fidelity for those losses irrespective of the merchant 's actions. Your team 's actions in response to this complaint will be important in determining next steps associated with this investigative negligence.
Product: Vehicle loan or lease

XXXX provided me with an advertisement claiming they could lower my car payment from {$600.00} to {$420.00}, saving me thousands in interest. XXXX has both my credit report and the VIN number and mileage of my car, however after I applied, I was told I needed a $ XXXX down payment to complete the loan request, which was not mentioned in the advertisement. After spending the last few years struggling to rebuild my credit, this loan request has caused a hard inquiry on my credit report that I really can not afford to have without the savings to my car loan interest. 

The company I've been working RateGenius and XXXX on this inquiry.
Product: Checking or savings account

The XXXX XXXX XXXX had an account with First Horizon  * ( who acquired XXXX XXXX ) for about XXXX years. During the pandemic several board members passed away and we went into arrears with the account and shut down the company. I contacted First Horizon in XXXX to identify the amount to pay. I paid that amount via XXXX and requested that the account be closed. 

First Horizon did, in fact close the account and then admitted to me that they re-opened the account because the deposit to cover arrears was about {$1.00} too much. I was not notified that the account was re-opened. First Horizon then started charging monthly fees and other charges. Now they are harassing deceased board member families as well as myself for fees they charged the company because they re-opened the account. We feel this is fraudulent and feel that First Horizon should be criminally charged for this behavior.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX - XXXX - {$2000.00} XXXX XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX  {$2400.00} XXXX - XXXX - {$970.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} Late Payment XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$460.00} Personal Information Employers : XXXX XXXX XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX
Product: Debt collection

Collection account from LVNV FUNDING with account # XXXX and a balance of {$400.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I am a victim of identity theft and this debt is not mine. 

Collection account from LVNV FUNDING with account # XXXX and a balance of {$800.00}. The original creditor is XXXX XXXX XXXX XXXX 
I am a victim of identity theft and this debt is not mine. 

Collection account from LVNV FUNDING with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX. 
I am a victim of identity theft and this debt is not mine. 

This is what i sent in and Its still on my credit report. I am a victim of identity theft.
Product: Mortgage

Has to do with complaint number # XXXX. According to the Florida Hardest Hit Program includes two assistance programs, an Unemployment Mortgage Assistance Program ( UMAP ) and a Mortgage Loan Reinstatement Program ( MLRP ). The HHF Program will provide assistance in the form of a subordinate mortgage loan. ( HHF Loan ) to the homeowner. The HHF Loan will be evidence by a Promissory Note, a Rider to Promissory Note, and a Subordinate Mortgage ( collectively, the Loan Documents ). The Loan Documents, including requirements contained in the HHF Approved Letter, contain the terms and conditions that will govern the HHF Loan. With that said, once Nationstair Mortgage and/or Mr.Copper accepted these terms set by HHF Program, then under those terms and conditions. Under the Rider to Promissory Note Section D. : ( The owner or servicer of the Borrower 's First Mortgage Loan must agree to accept and apply the HHF Loan proceeds to the contract payment due under the Borrowers First Mortgage Loan, and where the HHF Loan proceeds are advanced for reinstatement, must agree to reinstate the First Mortgage Loan. also under the UMAP & MLRP you receive a maximum payment of {$18000.00} towards the installments of principal, interest, mortgage insurance, escrow amounts for taxes, insurance and homeowners association fees. Which also where included for the next year monthly payments. Paid out by Florida Hardest Hit Program. Therefore, as you stated in your response letter to me, The funds provided were not enough to bring the account to current standing. The Florida Hardest Hit Program would not have continued to make payments towards anything that would have to due with the Mortgage. Furthermore, if you accept the terms they provided, then under these terms, you have to make due with what you got. And bring the account up to a current statues.
Product: Debt collection

This debt is about two years old ; Navy Federal has given the debt to another company, XXXX XXXX XXXX XXXX XXXX XXXX took a payment from me, saying they could settle the debt. Navy Federal refused and said they wanted the total amount ; when I asked for proof of said debt, I was given the runaround, and mind you, I have two obligations with Navy Federal, and they will provide nothing. XXXX XXXX XXXX reached out about two weeks ago, saying Navy Federal agreed to the settlement. I contacted Navy Federal, and one rep stated, No, we do not agree and will not settle. The other said, We agreed to the settlement but didn't know the terms. she put me on hold and transferred me to another lady who said the same but gave the amount of XXXX. Navy Federal took money out of my bank account and honored some of the refunds I disputed. Navy Federal went on to close a credit card with a deposit of XXXX  and has all but refused to explain where that money went. They have already sued me and continue to cause emotional stress, at this point nobody is on the same page and we have mediation tomorrow.