23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have two loans on my mortgage. the second one has 7.5 percent interest charge. i talked to E Mortgage Capital XXXX XXXX Mortgage Loan Officer / Broker and he told me that i can combine both of them with 2.999 percent. i submit all the documents and after one or two weeks Mr. XXXX XXXX XXXX. XXXX, E Mortgage Capital send me an email which Congratulations, your loan has been approved! If you could please gather the list of items mentioned below we can get final sign off and move forward with issuing loan documents and they send me phone number for an appraisal which he charge my credit card for {$460.00}. Today mr. XXXX XXXX send me an email which I am very sorry to inform you that the lender has declined the loan to refinance both loans due to the high loan to value. I will call you as well to discuss.we talk to each other and i asked him who is responsible for {$460.00} charge and he is telling me you. i called to my credit card company and dispute the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately XXXX has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681e ( b ) everything showing on my credit report should be complete and accurate. Please re-investigate the late payments showing on ( XXXX Account # XXXX ) Ive asked for these to be investigated multiple times. There are several inaccuracies. Please delete this late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are Transunion : high bal XXXX XXXX  : high bal XXXX XXXX high XXXX transunion last activity XX/XX/XXXX XXXX  las activity XX/XX/XXXX XXXX last activity XX/XX/XXXX transunion bal owed XXXX XXXX  XXXX XXXX XXXX transunion says paid on time until XX/XX/XXXX then nothing i would like them completely removed from my report these and several others cost me a mortgage and a really high percentage rate on my auto loans
Product: Credit reporting or other personal consumer reports

Requested signed documents made by me and any documentation regarding unauthorized credit card found in credit report for multiple XXXX XXXX  accounts ending in : XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint with you today to notify you that I have fallen victim to identity theft. After reviewing my credit report, I was dismayed to discover multiple items that I did not open and have no knowledge of. In my research on how to rectify this, I learned that I need to file a report with the Federal Trade Commission ( FTC ) or visit their website at https : //www.ftc.gov to take necessary action. As per Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove any accounts and information listed on an Identity Theft Report. I have attached the necessary documents to facilitate the blocking of the erroneous information that has been added to my credit report without my consent. The following items are not authorized by me and do not belong to me : 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 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 XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to block any information in a consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt.
Product: Debt collection

ON XX/XX/2020 ; I paid {$580.00} to EOS CCA ( Collection agency ) and  they told me I would receive a written receipt in 3-5 days. As of XX/XX/2020 : I still have not received that receipt for my payment. These collection agencies are quick to take your money but have excuses for why they can't send a receipt at the same time of the payment ; and then you don't get the documentation you requested.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. I thought I was making a legitimate purchase for a XXXX XXXX. The website https : XXXXXXXX Seemed legit, they sent me a contract, had me sign it. And everything was a scam. I found out from XXXX reviews they have scammed others. They provided me a fake tracking number for the kitten to be transported from out of state. 

I was instructed by the merchant to use XXXX and to send it by family and friends. XXXX refuses to refund my {$870.00}, my bank capital one who I disputed already 3 times wont refund my money and I sent every bit of proof that this was a scam. And they refuse to give me my money back And even if I did use XXXX to make the payment. The payment in my opinion should have been flagged because it was such a large amount to be spent. So no fraud protection was present.

My rights as a consumer I feel have been violated. And I will be leaving capital one bank if I do not get this resolved immediately
Product: Mortgage

I have filed for bankruptcy due to health bills and we are trying to keep the house. I have been calling for 2 weeks to get a affirmation form to give to the Judge to not include the house in the bankruptcy. I also have been trying to make a payment but cant get ahold of anyone in the Loancare bankruptcy dept. please help me. I have tried everything to get ahold of loan care..
Product: Mortgage

First, I bought this house from a hard money lender and after I finished all the repairs I did the refinance with the same lender, into a rental loan. However, this new loan company keeps harassing me about insurance. When I did the refinance the mortgage broker found the insurance company for me and everything was fine but since this new servicer got assigned they have been harrasing me. I sent them the insurance that I had paid for initially. I sent them the master policy for the community and let them know that I'm only responsible for the inside of the unit. EVerything outside is covered by the condo association. But, they keep harassing me with mail every month, they even add more insurance to my account. I think this is unfair and I don't know what to do, to get them to stop harassing me, I don't understand why they are forcing me to get more insurance than I need. I feel like this company is a scam. It has been a problem since I started my service with them and now I'm locked into a five-year loan where if I pay it off before the five years I have to pay them a penalty.
Product: Credit card or prepaid card

I tried to make a purchase on XXXX, the payment was declined on XXXX end and the item was not purchased it is not a pending sale. If I want the item, I have to make a payment. 

Paypal is holding my money for 7 days when the payment is not attached to any item or order. Thereis no pending sale. When I asked PayPal customer service to release my payment, I'm giving answers that do not relate to my situation. Like staying at hotels or pending payments, none of this applies. 

This happens to me XXXX times a week, sometimes twice in XXXX day.
Product: Credit reporting, credit repair services, or other personal consumer reports

GLA COLLECTION COMPA Opened XXXX XXXX, 2019 did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

This is my 11th 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 XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX/2023
Product: Debt collection

Disputed the debt by Fax as the Professional Account Management LLC " PAM '' mentions on their debt collection statement as one fo the method 's to dispute the debt.

When I spoke with the representative at PAM, i was informed that they have not received my dispute and the debt is still valid. They said that their fax number does not work that I sent the fax to dispute the debt.

This is a classic practice of stonewalling communication from a consumer and providing a mechanism of debt collection resolution ( in this case FAX ) and then saying their fax number does not work. This is practice is a violation of federal law on keeping debts open post a consumer dispute.
Product: Debt collection

This collection continues to be notated as valid, however no notification of this debt was provided so that I could dispute it being added to my report after being removed in XXXX. No documentation in the form of a final bill has been provided, that is required. I was sent an email outlining fees from someone that does not work for vivnt and the notification I should have received to notify me of my right to dispute is dated for XXXX although the collection was added XX/XX/XXXX.
Product: Bank account or service

In XXXX, there was confirmed identity theft using my State Employees Credit Union checking account with XXXX transactions of {$97.00}, {$69.00}, {$89.00}, and {$2.00}. All were resolved by the credit union. The amount for XXXX XXXX {$2.00} was identified by the credit union fraud prevention representative as a strategy to prepare for a larger withdrawal at some point in the future. I was told that it was identified and secured so it would not happen. I completed all credit union 's recommendations at that time. On XX/XX/2016, a transaction in the amount of {$1400.00} was drafted from the Credit Union checking account to XXXX XXXX. I did not notice the transaction at the time, as I was between employers and received my final payout from prior employer along with first paycheck for new employer. My concern at the time was my wife 's health, twice XXXX XX/XX/2016 along with XXXX Emergency Department visits. I also was caring for my XXXX son and one month into my new employer. I did not discover the fraudulant activity until XX/XX/2016 while completing federal income taxes. The State Employees Credit Union has refused to return the funds due to timeframe when reported, despite their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION XXXX  is reporting from XX/XX/17 through XX/XX/17 that I was up to 120 days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed XXXX XXXX XXXX, my trail period was extended a few times. XXXX provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,
Product: Mortgage

We are attempting to move mortgage loans from BSI Financial Services to another lender. For over 3 months we have been attempting to get BSI Financial Services to provide payoff information, book and page deed of trust for all of our properties. This information is critical for the the title company closing process. BSI is repeatedly not providing this information to our new lender. We are in danger of losing the financing and the months worth of work spent on this process. They have also charged us excessive late fees. A letter from a our attorney was sent to BSI Financial Services disputing the charges. We attempt to escalate to a manager and no one will talk to us or return our calls. The loans have matured but BSI Financial Services will not allow us to move to another lender. I spend at least 8 hours a week on the phone with BSI trying to resolve this issue. This is bizarre behavior.
Product: Debt collection

I received a letter dated XX/XX/2023 that threatened legal redress if I did not pay on a medical bill. The address of the lawyer is in a state I dont live in and have no history of doing any business in. I called the original doctors office to verify the debt, and learned that the amount listed on the letter has a fee of {$120.00} added on top of the original bill amount. I called the debt collection office and said I wanted to pay but only the original amount ; I dont think I should have to pay fees on medical debt. I spoke to 2 different women and they were very rude. They yelled at me, shamed me for not taking care of my business, refused to let me pay my original bill amount, and hung up on me.
Product: Credit reporting or other personal consumer reports

I have no knowledge and did not consent for my information to be used by these companies. Please remove the following inquires, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item us being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recall this account and it's reporting XX/XX/XXXX XXXX XXXX # XXXX in accurate information. On XX/XX/XXXXreport " Legally Paid '' with inaccurate history ; Equifax reporting Charge-off with Paid On-Time for all 2020 ; XX/XX/XXXX has No Payment History ... 

Please remove this account Fair Credit Act 611 this information and inaccurate. Please see attachements.
Product: Student loan

Dear Consumer Financial Protection : Fedloan refuses to accept, the US Dept of Veterans Affairs as a 'qualifying employer ' for purpose of Public Service Loan Forgiveness Program . 

For the past 12 years, Fedloan has contracted with the US government to manage my federal Direct Loan/student loans that I accumulated to become a XXXX XXXX XXXX  ; and for the past 10 years, I have an agreement with Fedloan, while working in Public Service, my monthly student loan payments will go toward Public Service Loan Forgiveness after I have made 120 qualifying monthly payments ( I have made about 90 or so ) under the qualifying repayment ( IBR ) plan, while I am working XXXX for a qualifying employer. 

Prior to, and since XXXX until current with no break of service I have worked for the XXXX XXXX  as a full-time XXXX XXXX XXXX  XXXX, as a XXXX  XXXX, serving XXXX XXXX soldiers, dependents and Veterans with the US Dept of Defense/US Army ( DoD ), and the US Dept of Veterans Affairs, XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

Since XX/XX/XXXX, Fedloan has refused to certify the 'VHA ' as a qualifying employer, having left my monthly payments made toward Public Service Loan forgiveness in limbo. 

I have received letters from Fedloan, unsigned, unnamed, no contact information other than Call Center. Calls to anonymous Fedloan Call Center maze have been going no where, all of the agents declining to refer my calls to a Supervisor or Manager. 

I will be grateful if you assist in facilitating the Fedloan 's understanding, that mental health professionals and practitioners working for the XXXX XXXX  XXXX  the mentally ill, is a Public Service - it pays less than working in private practice, and I work in the desert of XXXX XXXX where there is an enormous shortage of mental health providers and low quality of life ; Fedloan 's refusal to act in good faith and capriciously refusing to accept my current employer as a bona fide 'qualifying employer ' is a Public Disservice. 

Thank you for your time, sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consu mer credit plan as late for any prFost
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$920.00} XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted an credit application after I was sent an email saying that I was pre-approved for a credit card. So I completed the application and the credit decision came back a few days later saying that I was denied because my application is incomplete and needed verification. The credit decision letters are attached. The very next day next morning, I called into your customer service to complete the verification to complete my application. 

After having the call escalated the representative told me that they would have your department review this information to complete my verification. As soon as I hung up with capital one I then received another email after I got off of the phone with the representative stating that application has been denied again. This time a different date was on this letter. 

As of today XX/XX/2022 I have not heard from capital one in regards to this matter. My credit report has been negatively affected by the inquiry, causing my XXXX XXXX to decrease but also denied me for reasons that is untrue as I am a capital one customer. I have a checking account and I also have a secured card with capital one already, so there was no way that a verification process can not be completed. Capital one also admitted calling me from a blocked number after XXXX to complete this verification which Im sure most people do not answer block calls. Capital one states my denial is due to non verification when I called and verified my information and was still denied. I never received a denial letter stating why and when i called the multiple reps i have been transferred to tells me different responses.
Product: Debt collection

This is the bill that came in XX/XX/XXXX and it was from XX/XX/XXXX of a charge of {$580.00} I am on Medicare and mass health. The company put in the incorrect billing code in order to receive payment. They came back two years later with this that I contacted Medicare and they stated that I was not responsible to pay this bill. I contacted the company directly to tell them that Medicare stated that I was not responsible for the bill because they did not put in the correct billing code and was told from Medicare not to pay. Now they sent me over to a debt collector I have contacted the company several times and notified them that Medicare stated that I was not to be billed this amount. But they refuse to listen and theyre going against Medicares policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times with the 3 major credit bureaus. Transunion, XXXX, and XXXX. 

I disputed XXXX, XXXX XXXX, XXXX XXXX XXXX, as well as XXXX  XXXX. I have informed them several times that these accounts were not mines. I even sent in a police report as well. They did not respond. I also reached out to the creditors as well and I was informed that they found the accounts to be fraudulent. The credit bureaus have still refused to delete these items. I need these items deleted as soon as possible. 

Also I have contacted them with the over and abundance amount of inquiries on my reports that I did not authorize or even do myself. I need them removed.