23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, I obtained a mortgage security for XXXX XXXX XXXX, XXXX, Georgia, using my VA eligibility certificate. Unfortunately, around XXXX, I was wrongly foreclosed upon, and my case was included in a federal class-action lawsuit against SunTrust, where they were found guilty of mortgage fraud. Due to the class-action nature, I only received {$320.00} as compensation. Consequently, I became a homeless XXXX veteran, suffering from XXXX and XXXX issues as a result of the ordeal. I was informed that my entitlement would be restored, but I received no notices from SunTrust or the Veterans Affairs Regional Loan Processing Office. 

In XX/XX/XXXX, when attempting to retrieve my certificate for a transaction, I discovered that it was never restored. This not only left me liable to the VA for a repayment of {$36000.00} but also prevented me from using my entitlement to purchase a home. I contacted the VA over the phone and reported the issue to the representative in the regional loan office, but no action has been taken to investigate. I then sent certified mail to the Veterans Affairs Loan Processing Center requesting an investigation. Although the agent in their office signed for the mail on XX/XX/XXXX, I have yet to receive a response. 

The loan number is XXXX, and XXXX XXXX XXXX the Loan Specialist notified, has not responded to my request for an investigation into why I wasn't notified to correct this issue back in XXXX or whether SunTrust is still involved in securities fraud. They sold and traded that mortgage, probably continuing such activities, while taking away my entitlement, constituting securities fraud. I only received {$320.00} from the traumatic event, assuming that my entitlement was restored. I am seeking justice and an investigation into this matter. The contact information provided is no longer valid : ( XXXX ) XXXX. 
XXXX Claims Administrator National SunTrust Settlement Administrator XXXX XXXX It is unclear who to seek damages from for securities fraud
Product: Mortgage

Rocket mortgage reported my account 30 days delinquent. I never received a call or letter notifying me that my loan was behind I am set up on auto draft and funds are pulled biweekly. I received notification from my credit monitoring that a report showing over XXXX was reported on my mortgage account. I do not receive any monthly billing statements at all that is due to auto draft. They confirmed my information and have had my email and cell number and never called. I have never paid my loan late. Or any mortgage for that matter. They are still holding a partial payment and after I spoke to them I made up the difference the requested. I am extremely upset that I was never told of the auto draft issues. I want this removed from my credit bureau immediately.
Product: Credit card or prepaid card

This is the second time in XXXX days I've had trouble using my card. They set up a new card yesterday and mailed a physical card however that card isn't working either. I'm getting the same error message as before. I've tried reaching out to support once again with no response. My direct deposit goes into this account this week and I have no way to physically access money or a card to pay online. I couldn't buy food or my prescriptions on Thursday and still can't. There's a transaction for {$5.00} made at XXXX that I never made. This has been more than inconvenient. I've changed my password to access both the app and website.
Product: Mortgage

I currently have a mortgage with Cross Country Mortgage LLC, I received a check from my home insurance company for a claim that damaged my kitchen. It had both my name and the the mortgage company on the check so it needed to be endorsed by the mortgage company. I sent the check to Cross Country and was told it would be mailed back in 5-7days. Since I was told that, I had the contractor complete the work. Well after several calls of them lying every time, the check has still not been mailed out. They received it on XX/XX/XXXX ... .Now they are saying I should receive by XX/XX/XXXX ... .how can I even believe them as they lied every time I call. I have a contractor waiting for a lot of money that I can't pay without that check.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received an email from Paypal saying that my account had been limited because they received a restraining order related to my account. They gave me the name of the lawyer who supposedly sent the restraining order. I contacted him, and he said that he had made no request related to me or my account. 

I told Paypal customer service this through their messaging system and by phone call. The people I talked to could not provide me with a copy of the restraining order and said they could not remove the limitation on my account. They told me I would need the lawyer to request the removal of the restraining order ( which the lawyer said he never made in the first place ). 

I have a balance of {$53.00} in my account that I am unable to withdraw or transfer.
Product: Money transfer, virtual currency, or money service

I called Venmo regarding two pending transactions. Both charges are from XX/XX/2024 and XX/XX/2024. I was advised the transactions were pending because XXXX did not release the charges. I was advised to call XXXX. I immediately called XXXX that stated they would investigate the issue. On XX/XX/2024 that the charges were released for payment immediately and to call Venmo back and ask for a supervisor. I called on the XXXX XXXX, not speaking with a supervisor, but a specialist. This person was curt and flippant with me, indicating it takes 30 days for pending charges to drop off. I call back today, XX/XX/2024, speaking with a supervisor who stated he would listen to the call and transfer me to the correct department that could reverse the charges. After sitting on hold almost 5 minutes, the call was disconnected. I decided not to call back because theres many prompts in order to even get to a rep. I took to social media ( XXXX  ), and sent a message at XXXX EST to the support account. I have yet to hear anything as of the filing of this complaint. I also had sent an email on XX/XX/2024 and have not heard back via email either.
Product: Credit card

I applied for a Chase CC, the application process and receipt of the card was seamless. The issue is the double hard inquiry. I have one hard inquiry on Chase and another on Transunion. I requested for documentation regarding why XXXX hard inquiries instead of one would be applied to a consumer for a CC and I could not get any answers. I also requested if XXXX inquiries are needed to solidify information why isn't XXXX of them a soft inquiry instead, again I could not get any answers. 

XXXX of these hard inquiries should be removed, I have not had any bank perform XXXX hard inquiries at the same time for XXXX line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tryin to clear up some incorrect items on my credit report. For some reason I can not get he credit bureaus to answer my disputes and send me that out come of their findings. I do not understand why they arent working .They are reporting late payments which i have never been late on anything in my life. I filed disputes and on all the incorrect items and i have attached those disputes so you can see what I am disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account # XXXX Account # XXXX Account # XXXX MONTGOMERY WARDS, ACCT # XXXX Account # XXXX Account # XXXX 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 an account without my written instructions.

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

15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Account XXXX. Hi, I have fully paid off my lease as of XX/XX/23. I have been unable to get my title from Ally. They keep promising I will receive it on a certain date but never do. Then they promise it went out XXXX but again never receive it. I sent them {$50000.00} and now I have a car that I still don't own, don't need and can't do anything with yet continue to pay for insurance. I have contacted them over 25 times with no luck. All I want is my Title for the vehicle I own. Seems reasonable. 

Thank you very much XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX was paid off on XX/XX/year> in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to report XXXX account for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAPRemove the account immediately. Thanks. 

XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the period of XX/XX/XXXX through XXXX 2017, Equifax allowed consumer data to be compromised and accessed by unauthorized parties. Due to the security breach, my social security number and other personal financial information have potentially been proliferated into the possession of scammers and criminals. A company whose business is to keep record of your financial history has a duty to safeguard that information on behalf of the persons from whom it is collected. Equifax failed in their responsibility, inevitably causing material financial harm to those effected.
Product: Debt collection

The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company CREDIT PROTECTION ASSOCIATION, L.P. to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XX/XX/XXXX, provided onXX/XX/XXXX a  fraudulent debt that leads one to the conclusion that XXXX has on file an account number confirmed to be different from the " Original Creditor ''. The information CPA provided contains False and Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ] in what seems like an attempt to start a whole new contract with the consumer. This is not the consumer 's wish.
Product: Debt collection

This is not my debt. ref XXXX Attached you will find details of the payment, made by XXXX, at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my own initiative ; no outside party is involved. HOW IS THAT POSSIBLE IF THE LAST REPORTED DATE, LAST ACTIVE DATE, AND OPEN DATE ARE NOT CORRECT? MY ACCESS WAS PROPERLY INVESTIGATED, THE CREDIT BUREAUS STATED. MY RIGHTS UNDER THIS JUSTIFICATION FOR REMOVAL WERE VIOLATED BY THEM, TOO. I HAVE A RIGHT TO PRIVACY under Section 602 A of 15 U.S.C. 1681. A consumer reporting agency is prohibited from providing an account without my express written consent, according to the law ( 15 U.S.C. 1681 Section 604 Section 2 ). PLEASE REFER TO ATTACHED LETTERS.
Product: Credit card or prepaid card

Capital one is decreasing credit limits on a mass scale without notice. I have been a customer for many years and pay an annual fee for my credit card. Without notice my credit limit was decreased from {$9000.00} to {$2000.00} on XX/XX/2020. I called Capital One today and they stated that my limit was reduced because I was not using the my available credit. This is in direct contradiction to our original agreement where I was told my account would be reviewed every 6 months for a credit line increase. As a result of this change my credit utilization will significantly increase and my credit score will significantly decrease. This will cause irreparable harm to my financial status. Moreover, it is socially irresponsible for Capital One to reduce limits in a time when people will need to depend on their credit the most, when CapitaXXXX Once has been afforded the opportunity to make massive profits in our economy.
Product: Mortgage

- Started refinancing my existing mortgage on XX/XX/2021 - Received a closing estimate and a notice to close on XX/XX/2021 - Lender is Bank of America - Actual closing happened on XX/XX/2021, without any explanation and with a dishonest and disrespectful behavior of loan agents and his supervisor throughout the process - Called the Bank of America to file a complaint several time and sent various emails regarding the extreme delay in the refinance application process by the Bank of America which caused me several financial losses ( including time opportunity cost and losing other options with low rate mortgage payment opportunities over the past 7 months - my estimate is at least {$20.00} ) and all these caused other challenges in our family and life planning throughout this year. A summary of what i kept mentioning to the Bank is as follows : 1. Time opportunity cost for 7 months as of XX/XX/2021. I had to continue paying my current mortgage at the rate of 3.5 % which I could save if there was not such a long delay in my refinance process with BoA 2. I have received several offers for a refinance payment rate as low as 2.0 % 3. I have received several emails, letters and calls from other lenders ( including XXXX XXXX, my current lender ) with guaranteed closing dates, lower closing fees, which I had to turn down because of my ongoing application with BoA. 

4. BoA has performed a hard check on my credit twice which has caused damage to my credit score thereby charging higher rates. This is true if I now want to go with other lenders as well. They are going to charge me higher rates. The need for the second round of the credit check was because of the extreme delay on the BoA side. 

5. BoA is going to charge me with another {$920.00} fee for the title as an additional cost which is not my responsibility at all and hasn't been discussed in the offer letter and throughout the process. 

Last but not least, the Bank never respond to my complaint with a prompt reply. And I have observed dishonesty throughout the process. 

I am writing this on XX/XX/2021 and the disbursement date is on XX/XX/2021. But I haven't heard back from them. 

After so many follow ups the loan officer sent me a complaint case number, XXXX, which is the number they use to track my complaint. I have tried to call BoA 's customer service and other numbers to track the complaint and find out about the status. But all I heard was that they can not place such a tracking number and no success at all.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX  through XXXXXXXX XXXX card services offered me a settlement in the amount of {$890.00} to settle my account in full of the payment was posted by XX/XX/2022. I called prior to the date and on that date again to advise I was posting the payment online. I posted the payment and received confirmation of the payment. 

Recently I received notification from Jefferson Capital Group saying they were collecting on it and my balance was {$2300.00}. I disputed it saying I had settled in full and sent them the email confirmation of payment I received. They sent me a response saying I didnt not provide proof. Im not sure what more to provide. I did exactly what XXXX asked and paid the amount in full.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX on XX/XX/2023. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Product: Debt collection

There are 2 collection accounts on my credit report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case XXXX XXXX is attempting to collect as XXXX  XXXX XXXX  and CKS PRIME INVESTMENTS is attempting to collect as XXXX XXXX.

These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my credit report.
Product: Student loan

I am nearing my XXXX payments for student loan forgiveness through MOHELA. 
MOHELA placed me on forbearance for my student loan in XXXX and they are now not counting it This payment should count as they are the ones who placed me on forbearance. Now they are asking that I pay for XXXX, and then re-upload my employment verification. 
Please help!
Product: Payday loan, title loan, personal loan, or advance loan

Item was purchased in 2016 and then after 3 month company went out of business and I was not informed of who to contact in regards to payment nothing was sent to me or reported to me
Product: Debt collection

I wrote a cease and desist letter and letter validate the debt on XX/XX/XXXX after discovering the acct on my credit files without prior notification on XX/XX/XXXX, and after failing to notify they received this acct XX/XX/XXXX. I sent this letter certified. They did NOT respond to my letter to validate within 5 days in accordance to FDCPA. They have never provided, acct information, payment history, balance when received, interest accumulated, payment history,, they have violated my consumer rights under Section 1692g ( a ) of the FDCPA by including the validation notice in the initial communication. 
If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 
I NEVER received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were recently found on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). These items are as follows : XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry, and I am concerned that it may be fraudulent. As such, I am requesting that it be removed from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX Similarly, I do not remember authorizing this inquiry, and I am worried that it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry either, and I am concerned that it may be fraudulent. I am requesting that it be removed from my credit report immediately. 

XXXXXXXX XXXX Account Number : XXXX I am questioning the validity of this account 's name and number. I request that you either clarify this information for me or delete the account immediately from my credit report. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I believe that these negative items are impacting my credit score unfairly, and I hope that you will take the appropriate action to remove them as soon as possible. 

I kindly request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a written explanation of the results of your investigation, as required by FCRA Section 611 ( b ) ( 2 ).

Thank you for your prompt attention to this matter. Please contact me if you require any further information or clarification. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On or around XX/XX/XXXX I received a notarized letter from a representative of capital one stating that Capital one had no open lien on my vehicle. I called capital one and was told that a mistake was made and I had been paying on a different vin number than my XXXX XXXX. I asked for clarification. They said that they accidentally put the wrong vin on my documents and that I was paying on the wrong account. They then went back and retroactively edited my payment history and changed the account numbers. I feel that this is absurd. That they shouldnt be able to go back and edit an agreement that was made. Im very upset and confused.
Product: Debt collection

I disputed the accuracy of information thats on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. I also asked them to remove the collection from my report because it is inaccurately posting a past due balance. I havent received any verification that the debt it mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's is reporting erroneous lates on my credit file. These lates are for the months of XX/XX/20, XX/XX/20, XX/XX/20. I made my payment online & it kept giving me an error even though it said it went through. So, I called you guys to confirm, after waiting on hold for over an hour for a representative they told me they didnt see a payment & they took my payment over the phone! This is not my fault and I am not sure what is going on over there, I gave all my personal info for the payment to your representative, why wasnt it set up? Were they working from home & now they have my info? Please remove this late.
Product: Credit reporting or other personal consumer reports

At this time, I ask that any fraud alert that exists on my credit bureau to be lifted at once. I never requested one, and it was placed by a third-party without my complete approval and authorization. Please remove at once. 

I am at this time requesting my free annual copy of my credit report as mandated by the Fair and Accurate Credit Reporting Act. 

Please send my free credit report to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX XXXX