23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. My loan was consolidated without my consent 2. The Specialized Loan Servicing LL are not providing me with monthly statements 3. I have asked of copy of past monthly statements and have been denied.

4. I have asked for payment history and loan agreement and have not received it.

5. I have received inconsistent answers from their customer representatives regarding my concerns.

6. I have been told that I have an excess amounts on my loan but have also been told that the interest on different months is past due.

7. I was told by one representative that they were not ready to receive these loans from XXXX XXXX XXXX and that is why there are so many discrepancies since their system was not set-up for these loans and funds and payments are not being applied correctly.

8. I sent a letter with my original concerns, they acknowledged receiving my letter, XX/XX/2020 but their response letter was dated until XX/XX/2020. Over one month before a response was provided. 
This situation has cause me grief, frustration and unnecessary stress.
Product: Debt or credit management

Midland is trying to sue me for account that i tried to pay off and the have written off on there taxes and been repaid for and gave my info to a collection agency without my permission to do so.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} DXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

Loan # XXXX On XX/XX/2022 I submitted an application for mortgage assistance. We recently fell behind on loan payments due to medical for a baby that is due soon and this resulted in us missing payments. I have never received any phone calls or communication from my loan advocates. I submitted all required documentation to LoanCare within two days. They received the bank statements on XX/XX/2022. I received a letter on XX/XX/2022 asking for documentation on income. I submitted the requested information that same day. I have tried multiple times to get a response from LoanCare. I have requested my escrow statement to weigh my options and yet have I received that document. I am in California and the deadlines are approaching for the relief. LoanCare stated today the only recourse is a loan modification with a substantial rate increase. LoanCare is impeding my way to restoring my home loan and home retention options. They have continued to hang up, ghost, and ignore my requests. I have asked to do a partial claim several times. LoanCare stated that they closed that program on XX/XX/2022. They stated that they will not open any other options for my situation. This is odd that they are making these decisions without completing the packet. To my knowledge the VA partial claim is open until XX/XX/2022. I believe LoanCare is attempting to put veterans through modifications rather than partial claims due to the amount of interest accumulated over the life of the loan. LoanCare needs to adhere to all laws and regulations of VA home loans. XXXX # XXXX wouldnt let me speak to supervisor. He also refused to transfer to any supervisor or resolutions. He also stated that me making this complaint is going to far. XXXX # XXXX of resolutions is very rude and condescending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several charges from south Carolina im from Ohio never been there.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Between the months of XX/XX/XXXX to XX/XX/XXXX Credit Karma has been sending me notification from their websites stating that I was preapproved for XXXX credits, cheaper auto loan refinance and a personal loan for up to {$5000.00}. I applied and has been denied from all of them. I have been stressed and at those times I really needed the money. This has caused harm to my credit report and has cause me to accrue more damage to my credit.
Product: Debt collection

I noticed that late payments were showing on my credit reports. By law debt, collection agencies can not report late payments. Please REMOVE all inaccurate information from all 3 credit reports and stop reporting late payments. I never signed a contract with you for payment arrangements. 
Also, I noticed that my balance keeps increasing each month. Can you send me documentation that you can legally keep increasing the debt you have reporting on my credit report? I also would like a copy of the original documents with my signature and the amount the vehicle was sold for that is deducted from the amount you claim that I owe. If you can not provide me with this information please remove the inaccurate reporting from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid {$150.00} to Capital One. This was to close the account ending in XXXX for a lesser amount. The account was closed but yet to be charged off. Capital One had emailed me with the offer and I took it. Upon payment, I was no longer able to access account or details within the app, it now stated charged off after I paid the agreement amount. It was then put on my credit report as charged off. I was in a pre-approval stage of buying a home. After the incorrect entry on my credit report, I lost approved status. I can now possibly face homelessness with my family. I was trying to do the right thing and it back fired. I believe this is predatorial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have hard inquiries on my acct that do not belong they are listed below. I would like them removed because they do not belong on my credit report. 
XXXX - CITIBANK NA, XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX
Product: Vehicle loan or lease

They said it would be closed out on the XXXX of XX/XX/XXXX. My monthly payments are not showing. I have this paid off and it needs to be shown as being paid off. So the monthly payments should show monthly from XXXX of XXXX to XX/XX/XXXX when it was paid off. So my account should be paid off. I want this to be reporting correctly to all the credit reporting agencies.
Product: Debt collection

The first debt collection letter I received was XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  stating it was a collection agency for LVNV Funding, LLC & Original Creditor was XXXX XXXX ( acct ending XXXX XXXX XXXX XXXX  for I called XXXX XXXX and they confirmed that the debt was not mine ; ( verification by my address & SS # ) I wrote a letter to XXXX  and stated they had the wrong person ; they are " debt tagging ''. On XX/XX/XXXX I received two separate letters ( dated XX/XX/XXXX ). The first letter was Resurgent Captial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) stating they manage the account for LVNV Funding LLC and are trying to collect the same debt. The second letter, dated XX/XX/XXXX provided a XXXX XXXX from XXXX. When I called the court f they advised me the case had my first initial & last name but different address
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach which has resulted in unauthorized accounts and credit inquiries appearing on my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of all fraudulent accounts and inquiries listed below from my credit file. 
The following accounts have been identified as fraudulent : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$XXXX} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$XXXX} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$XXXX} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$XXXX} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$XXXX} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$XXXX} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$XXXX} XXXX. XXXX XXXXL o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$XXXX} Additionally, the following credit inquiry was made without my authorization : XXXX o Date of Inquiry : XX/XX/XXXX
Product: Bank account or service

I hired a usbank mortgage banker to give us a mortgage for a house we bought in XXXX California. Our mortgage banker recommended that we apply for a HELOC and use it to complete our down payment for our house. We told him for a period of XXXX months that we do not need it and we would be okay just paying the balance before escrow closes. 
At the day of the closing, my mortgage banker told me to go and get a check for {$29000.00} because the underwriter " goofed up '' and the HELOC will only be availbale After escrow is done. Even thought we did not really want the HELOC, we wanted to make sure it will have the promotional rate of XXXX % for XXXX months according to the flyer we received at the XXXX branch. After speaking to his boss XXXX, I discovered that a HELOC can not be used for a down payment. It is a good thing that we had the money and a personal relationship with the branch XXXX in XXXX to get that check only an hour before we were suppose to sign the escrow papers. 

Theses are the issues : ( XXXX ) We were told that we can use the HELOC for down payment. If we did n't have {$30000.00} in our account, we would have fallen out of escrow. 

( XXXX ) The HELOC rate we received was XXXX % instead of XXXX % on our statement. 

We were in escrow since XX/XX/XXXX because the house was in construction with XXXX, We supplied all the paperwork and payments over a period of XXXX months. We were always told that we should sit back and relax. At the last XXXX weeks of escrow, we were anything but relaxed because everything was going wrong. 

After we finally closed escrow and got the keys we thought it was all behind us but we were wrong. Not only the we did n't want the HELOC and we have multiple emails to prove it. We were told that we should get it and use it for the down payment, which we did n't want to do but we thought that the rate of XXXX % was great and allow us to have more cash in the bank to do necessary repairs on the house. Then, we found out that the underwriter goofed up and the HELOC was n't ready. So, we had to run and get a check for nearly {$30000.00} an hour before escrow meeting. a month later, we receive a statement with 5 % interest rate instead of XXXX %. Then, after speaking on the phone with XXXX, he told me that we could n't have used HELOC for down payment and he is looking into the matter. 

I feel that we were duped into getting a HELOC that we did not want or ask for.
Product: Debt collection

I was in the Care by XXXX program for my XXXX XXXX XXXX. This is a subscription-like program for leasing vehicles that wraps your payment, vehicle servicing and insurance into one monthly payment through Volvo Car Financial Services . After making 5 payments, you can return the keys and vehicle to the dealership at any time. 
I had the vehicle for about a year and decided to trade it in for a new lease. The dealership sales manager at XXXX XXXX in XXXX, AZ advised that I did not need to make my payment the month i was returning my vehicle. I just needed to return the vehicle, put new money down for the new lease and I would be good to go. ( I have this in writing from the dealership ). 
XXXX XXXX XXXX Volvo Car Financial Services ) notified me I had an outstanding balance for the payment and I spent so many efforts trying to get this resolved but because they didn't receive money I did not know I owed and the dealership had told me I did not owe, within 120 days, they charged off the account so now I have a vehicle charge off on my credit that has made it impossible to get a personal loan, credit card, etc. to attempt to help me with my debt due to being unemployed for a major part of XXXX. 
The lender wrongly informed me and neither the dealership or corporate is willing to help rectify the situation for solution.
Product: Debt collection

According to my online doctors portal, I have paid everything that I owed. Now I have bills from the same company saying I still owe {$290.00} as well as them submitting a complaint to collections. Collections says I owe {$170.00}. The portal shows I owe nothing to the company. With the collections letter, it includes an account number that I do not recognize.
Product: Credit card or prepaid card

It makes no sense that by the time you add your pictures you're logged out and have to start all over. The Consumer Protection Bureau should automatically save a complaint you start instead of having a person start all over. I always try to resolve issues with companies before filing any consumer complaints. 

My credit have been ruined because of these 5 companies. I'll be filing 5 consumer complaints on 5 different companies that have reported FALSE information to the Credit Bureaus. My credit score have dropped over 100 points within 30 days due to these companies. The Credit Bureaus allow companies to report anything including FALSE information without allowingvthe customer to fix it before they report it. Therefore i'll be also filing a consumer complaint against all 3 Credit Bureaus with the Attorney General 's Office. 


I have a Care Credit Card with Synchrony Bank. I was very embarassed when i was due to have a much needed XXXX XXXXXXXX in which if i don't have this XXXX it could XXXX XXXX XXXX  XXXX  and i could die. O was also embarassed when i couldn't get my kids much needed medical things for my XXXX XXXX Child and my XXXX Child. Synchrony Bank lowered my credit limit from {$970.00} to {$230.00} which makes the card not worth having if you're financing anything. I called Synchrony Bank to ask why they lowered my credit limit only to laughed at by one of their Sarcastic employees. Even when i told Synchrony Bank i was a victim of recent Identity Theft they still kept my credit limit lowered preventing me from having much needed dental needs and medical things for my children who have XXXX XXXX as well that our insurance doesn't cover. Synchrony Bank only told me after the fact they lowered it that my credit limit was lowered. Lowering my credit score caused my credit score to drop as well as increase my usage which i kept at 30 % or lower.
Product: Debt collection

Professional Placement Services refuses to cease their illegal defamation of my character by alleging I owe them a debt. Their stalling tactics have exceeded 30 days as required by law and is now going on XXXX months since they promised to validate this alleged debt on XX/XX/2021 with the CFPB as my witness.They NEVER communicated with any of the credit bureaus to report this as disputed per federal law. They never even sent anything in the mail to the address they have on file for me and are impeding on my right to extend credit. I have been denied credit because of this horrible blemish on my credit report. They are committing aggravated identity theft by continuously reporting this false information to third parties. This is my last attempt before litigation is pursued. Give this the attention it deserves.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

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

I am writing to formally dispute the fraudulent account ( s ) that have been reported under my name. I recently discovered that the following account ( s ) do not belong to me and were opened without my authorization : Account Number ( s ) : XXXX Date Opened : XX/XX/year> Amount Charged : {$2500.00} I am a victim of identity theft, and I did not open, authorize, or use this account. As such, I request that you : Immediately close and remove these fraudulent accounts from my record. 
Cease all collection efforts related to these accounts. 
Provide written confirmation that the fraudulent account has been closed and removed. 
Notify any credit reporting agencies to correct or remove any inaccurate information associated with this account.
Product: Credit card or prepaid card

I have a EDD card with Bank of America and My card was blocked after few returns from the store as it seems like they consider it as a fraud if there are returns back to the card?! And I have spent at least 7 hours on phone to unlock my card but every time I am connected to another department they pickup the phone and disconnects the call as if they are wontedly blocked my card and now they dont want to unlock it. This is a fraudulent and abuse of customers rights.
Product: Credit card

I recently signed up for the American Express Delta Gold Credit Card. Upon signing up. I was given an offer for XXXX BONUS AIRLINE MILES after reaching an eligible spend of {$2000.00}. I hit this spending rather quickly after waiting to sign up for home improvements, and using the card for trips. I love the card, and XXXX XXXX. I have reviewed every word, and action of my offer terms, and I have spent every dollar correctly. Its been XXXX weeks, and still no bonus miles arriving in my account. I have called numerous times, Ive been placed on hold multiple times, Ive been disconnected on multiple times, Ive been awaiting my miles as promised in my offer. This will be my last American Express card I have. 

I want was is promised to me as would anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.
Product: Debt collection

I contacted XXXX  hospital.and know money is owed for this date of service to any providers.Contact XXXX  for any further questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sense that my credit score is being manipulated and played with for no apparent reason. I personally have about 6 personal credit cards, and 2 store cards, which gives me about {$11000.00} worth of credit. Of the {$11000.00}, I might be utilizing roughly {$2300.00}. The creditors report to all 3 major credit bureaus. Equifax credit services has reported a 19 point decrease over the past 30 days when there has been little to no change within the past month or reporting period. I do not have any open collections, garnishments, bankruptcies, etc. I have paid all of my bills ( over the past 10 years ) on time with no late payments. With the exception of ONE 30 day late credit payment in XXXX. I have NO pending legal obligations, yet my credit score is still at XXXX. Just last month, Equifax had it listed at XXXX. There hasn't been any change or negative impact that should've caused a 19 point difference. My credit have been consistent for the past year with little to no change in usage or status. Let with no other alternative, I'm submitting this complaint in efforts to have this looked at a bit more closely. I have a bday of XXXX, and last XXXX of SS # is XXXX.