23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Completed mortgage loan application on XXXX XXXX. Closing was scheduled for XX/XX/XXXX. XX/XX/XXXX was asked for additional information regarding my HELOC. Loan did not close on XX/XX/XXXX. Went weeks without any communication regarding loan. The communication I have had can not answer basic questions regarding the status of my loan, only that it is not ready to close. Received closing date of XX/XX/XXXX. When processor was asked about this closing date, she told me the loan would not be closing on XX/XX/XXXX but could not provide an answer other than the loan will not close for at least 30 days after receiving a cleared to close. She could not tell me when I would get or to expect a cleared to close. I find it impossible to find any answers. The only communication is the communication originated by me. Emails go unanswered and when they are answered, the answers are abrasive and do not resolve anything or offer any resolution.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I was wrongfully reput a negative mark on my credit reports a debit not owed it was legally removed once and it was sold off to a 2nd collection and hit my 3 credit reports I have asked XXXX collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX for verification and stated a fact I needed a signed contract that I did indeed owe this bill all the would do is send me a list of charges stating accept this letter and list of charges as proof no copy of id was given to me and signed signature and not signed contract this was sold to them by MEDICAL DATA SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Mortgage

XXXX XXXX holder of my mortgage transferred servicing to LoanCare , LLC, as of XX/XX/XXXX.Notice of Transfer said to send payments to XXXX XXXX , XXXX XXXX XXXX, XXXX, PA XXXX. I notified my bank, XXXX  of account number and address change and sent through my first payment through Bill Pay to be received by XX/XX/XXXX in the amt. of {$610.00} and then I sent a second payment to be delivered by XX/XX/XXXX in the amount of {$610.00}.

I discovered XX/XX/XXXX, that my XX/XX/XXXX payment had not been applied, and sent a communication to Loan Care. I have talked to multiple people and had multiple email conversations. My second payment has not been posted either. I sent the documentation of proof of payment that XXXX  instructed me to send from my website, I did not hear back other than another dunning call. I was told I needed a transmittal letter from XXXX  sent to them at XXXX.myloancare.com. I spoke to XXXX  and they said they would send it right over to them at the above email which they repeated back to me. I got a confirmation letter with the transmittal information from XXXX, and after speaking to another agent at ( XXXX  ) LoanCare, I sent a copy of my letter as well to the email mentioned above. One of the agents ( XXXX  agent no. XXXX ) told me they were not set up to receive electronic transfers and that the XXXX should have sent a check. There was no mention of this in the Servicing Transfer Notice.

I made an extra payment over the phone to waylay any dunning, on XX/XX/XXXX.

I have asked if I should ask XXXX to recall the payments and pay them directly, but was told they want the transmittal form. My husband and I have spoken to and corresponded with multiple people regarding this and was told this past Monday, XX/XX/XXXX that it was just sent to the area to be researched and to give it 5 more business days. I received another dunning call today, XX/XX/XXXX and I asked them to please read the history of customer inquiry and was told that the transmittal I sent In XX/XX/XXXX wasn't what they wanted. I will call XXXX again, but I don't have any faith that this will be settled by LoanCare.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint regarding incorrect information on my credit report from Equifax. My report shows two incorrect addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. This issue has caused confusion and potentially damaged my credit, which is concerning to me as a consumer. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and request corrections. I am seeking immediate investigation and removal of the wrong addresses, along with a correction to reflect my accurate information. I request a resolution where the inaccurate addresses are removed immediately, and my report is updated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
Additionally, I have attached a copy of the CFPB ( consumer financial protection bureau ) report under report number. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX  on XX/XX/2020 XXXX. XXXX XXXX XXXX on XX/XX/2020 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Credit card or prepaid card

XX/XX/XXXX - I was charged interest fees ( {$6.00} ), XX/XX/XXXX - I was charged {$5.00}, and again XX/XX/XXXX I was charged {$4.00}. Back in XXXX or XXXX my bank account that I use to make payments on this account was compromised. Someone had called the bank, with ALL of my information, claiming to be on the account. The bank then contacted me to ask if I added anyone on the account, I said no so they closed this account immediately locking all the funds I had. Then, once I went down to the branch I go a new bank account opened with a new account number. I contacted Capital One letting them know why I was unable to make a payment. When speaking with an employee, I received incorrect information regarding interest charges, I had always paid my balance in full, so when she said I only need to make the minimum payment on my account to avoid any fees, including interest. This is when I stopped making the full payment and made only the minimum payment. Now, I called on XX/XX/XXXX because I wanted my account closed and paid in full. The representative did not give me an option to do this and I was charged a late fee of {$25.00} for XXXX. The employee also sent out another card when I requested that I want this account closed forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I ask the credit bureaus to do a verification on my credit report. Upon them doing that I received an update that it was completed. After, I went and completed a thrall research myself. However, I found improper inaccuracy on my credit report after they did a thrall research. These items which has not been corrected upon my credit reporting XXXX XXXX XXXX XXXX For the amount of {$8800.00} XXXX XXXX XXXX XXXX For me the amount of XXXX XXXX XXXX XXXX  For the amount of XXXX XXXX XXXX XXXX XXXX  For the amount of {$330.00} XXXX XXXX XXXX XXXX For the amount of {$1000.00} XXXX XXXX XXXX For the amount of {$1000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried with Trans Union to obtain information about whom was reporting on my activities at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. In there report to me when I asked to see my credit report, in the report someone at this address a building complex of Co-Op that someone or those who live there, where reporting on my activities while I lived there. I was born and raised in XXXX XXXX at this address. I have trouble finding work. Whom is speaking about me to the Trans Union Report, what was reported, whom is gathering this information and how have they used this information gather process. I asked the above questions to Trans Union. they have not given me an answer. I have the right under the FTC and other civil rights to know whom is speaking to the public company since most employers asked about credit report about hiring people.
Product: Debt collection

I am writing this complaint on this collection that showed up on my credit, because I have disputed this issue with XXXX twice on XX/XX/year>, and on XX/XX/year>. I believe that is was not investigated properly, because I have no knowledge of this collection. I believe that it is continuing to report on my credit unfairly according to 15 USC 1692 G, and 15 USC 168 ( i ) ( 1 ) ( a ).
Product: Debt collection

XX/XX/XXXX ( {$270.00} ) ( {$99.00} ) ( {$100.00} ), XX/XX/XXXX ( {$350.00} ) XX/XX/XXXX ( {$1500.00} ) HIPPA Violation : XXXX XXXX XXXX did not provide me with the provider of services to release any of my medical information regarding alleged debt as well as cease any credit bureau reporting. This entry 's insertion on my credit reports is a blatant HIPPA violation and a violation of my consumer rights. These entries must be deleted from my credit reports immediately with XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Attempted to submit dispute against credit history. I filled out the online form, then clicked to upload my documents, which contain absolute proof of the creditor 's error. I selected the documents and clicked Open as usual. Then back to the Equifax screen. There was a button to skip upload, a button to go back ( and reattach the documents ),, and to cancel the dispute. There was no Submit button!

I am an experienced web designer and perfectly competent at using web forms. I can assure you I did nothing wrong ; I even retried twice just in case but got the same result.

I called customer support and was hit with offers for insurance help and medical alert bracelets. I did not press 1 ( or anything ) to hear these offers, but was sent to them anyway after about 20 seconds. There was no way to back up and get back to any main menu. 
And we trust our financial well-being to this incompetent organization! Due to a creditor 's absolute mistake, I am a senior citizen of means with a perfect account payment record and I am HOMELESS! The system is so broken. Once a company decides to ruin your life through no fault of your own, there is no recourse. What makes it especially cruel is that consumers are lied to and told that there is.
Product: Debt collection

XXXXXXXX XXXX  sent me a debt collection and the company is lying about the account and when I made a payment last. This is a paypal credit account that synconry bank bought after I had a huge issue with paypal and them not helping me with a bunch of orders from XXXX that never were shipped. This company is trying to say that the last payment I made was XXXX when in fact it was XX/XX/XXXX. I even called the bank and told them not to buy my paypal account until I get things worked out with paypal. They didnt listen. But to sell this debt and then have the buyer argue on the phone about it and that was a manager as I explained that I will not pay this debt and why she put a female manager on the phone who was yelling in the phone right away. This is against the law and now they are calling the heck out of my phone 5 6 times a day.
Product: Credit card

I lost the credit card in XXXX and has filed the police report. I notify Chase unauthorised charges on my account. Chase initially took off the charges. ; however, they bill the charges back on my account. They also shut down all my credit card, I do not why Chase would take averse action against their loyal card member. I have been with Chase for 4 years. 
I should not be hold liable for the fraud charges according to Chase policy with XXXX fraud protection. I did not know what happened when I lost the credit card. The similar merchants on the dispute should not be my fault. When I review the transaction and merchant, I found out that merchant will in fact give the cash to buy back their items. XX/XX/XXXX be, it is the theft incentive to use similar or the same merchant. 
When I look on my card member agreement, there is no clause about the undue burden or failure to protect the card. I had protect my card when look at history I 'm with Chase. During the four year with Chase, I took the very serious step to protect my credit card. XXXX is known to high rate of theft and pick pocket, I took action to protect my belonging very seriously. Unfortunately, bad luck does happen. I contacted Chase as soon as I have the mean to do so when my wallet got stolen. 
Chase should be reposible for what they advertise, XXXX liability. I think I should have peace of mind when I use credit card with Chase. Chase should honor their commitment to their customer not make customer pay for the fraudulent charges. 
Also According to Fair Credit Billing Act, my maximum liability for fraudulent is XXXX USD. I should not be billed more than the amount under the law. I have sent the police report to Chase. I hope Chase should do the right thing and protect their customer when their card got stolen. The card got stolen should not be my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account : XXXX. Since 2017 XXXX XXXX XXXX has been trying to fraudulently shake me down for a {$150.00} fee that they said they had waived. I complained to FTC previously about this and XXXX XXXX XXXX sent me a letter saying that that this fee had been waived but they sent me over to collections anyway and my XXXX XXXX XXXX Account says I still owe them {$150.00}. My credit rating is fraudulently lowered to XXXX because of this. I have three separate collection agencies in 3 different states billing me for 3 different amounts of money now : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, fl XXXX : {$150.00}, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. XXXX XXXX # XXXX : {$89.00}. XXXX XXXX XXXX  ( XXXX XXXX ), Account # XXXX, XXXX, OR Telephone XXXX : {$89.00}. I would like these adverse credit data removed from my XXXX XXXX XXXX account & all three ( Equifax, XXXX & XXXX ) credit reports forthwith. I believe this form of Consumer Fraud is endemic in our nation and adversely affects millions of citizens. This shows that the Credit Reporting industry is inherently corrupt, contrived & engineered to intentionally defraud consumers through denial of credit & higher credit rates via this form of unconstitutional legal procedural chicanery.
Product: Credit card or prepaid card

I contacted my credit card company on XX/XX/XXXX about a purchase I made on XX/XX/XXXX. I purchased three products from a kiosk, owned by XXXX XXXX, at a shopping mall in XXXX, TN. The products were demonstrated by applying them to my face and after the sales person reduced the price three times I finally purchased the products for {$380.00}, good for today only. After the purchase the sales rep said she would email me the instructions on how to use their product. When I returned home the next day I opened my products and read the instructions the sales rep. XXXX had emailed me. The first this I noticed was the instructions on the product box were different from the instructions from the sales rep. Her instructions said to use " once a week '' the box said " Daily application ''. There are other discrepancies like the sales rep saying the product contained collagen, but its not listed in the ingredients. I decided to go ahead an try the product I had because it had worked well at removing the bags under my eyes. The sales rep told me to apply before bedtime which I did. As soon as I applied the product I could tell it was not like the product she had applied to my eyes at the mall. I left the product on my eyes overnight and when I got up the next morning the skin around my eyes was irritated, red and wrinkled. This product is horrible and it was obvious the product was very different than what the sales rep said she was selling me. When I looked at the sales receipt I noticed on the bottom it stated " No Refund. Exchange only within 14 days with unopened product '' I contacted my credit card company explaining what had happened along with all the documentation and after several weeks I received a letter stating they would not issue a refund because I made an in person purchase. This made no sense because you can still be scammed in person. I contacted XXXX XXXX and was told they have high quality products, they won't give a refund. 
I feel the credit card company, Barclay, made no effort to resolve my issue even though this company pulled a bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

My income recertification on Mohela was originally listed for XX/XX/XXXX. I called them about this in early XXXX. Due to new rules ( see link and quotes at bottom ) since my recertification date was prior to XX/XX/XXXX, this should not have to be recertified until XX/XX/XXXX. I called on XX/XX/XXXX, this was escalated to a supervisor ( their ID is XXXX ) that called me back on XX/XX/XXXX. They told me I was correct and I would receive something confirming via email in the next week. Nothing came, so I called on XX/XX/XXXXXXXX  and spoke to I believe a supervisor ( ID XXXX ). Once again, they told me I was correct and not to be concerned that I should get something in the next 5-6 days. Nothing came, when I log into Mohela, then the income recertification date showed XX/XX/XXXX. So I called multiple times again, 7 times over 2 days on XXXX and XXXX, and kept transferring around and was ultimately transferred to a supervisor each time and no one picks up. A supervisor ( ID XXXX ) eventually called me back on XXXX, told me my recertification date was actually XX/XX/XXXXXXXX  so I do not qualify for the extension. When I asked why it said XX/XX/XXXX initially and then XX/XX/XXXX, he said these were 'soft dates ' to give them time to process. When I got the opportunity to log into a computer and check studentaid.gov, my anniversary date ( recertification date ) is listed as XX/XX/XXXX, so I would fall under the group that does not have to recertify until the next calendar year. The XX/XX/XXXX is the date of my next projected payment after recertification. I called Mohela back, and got transferred to 2 individuals again only to get no one were and got directed to a supervisor voicemail. 

I have spent 8-10hours/week the last 3 weeks calling my loan servicer and quite frankly exhausted and demoralized at how inconsistent agents and supervisors are in providing accurate and up to date information. No one can give me a coherent answer for why the recertification keeps migrating depending on who you speak to. At certain times, it feels like dates are being pulled out of thin air. 

I would greatly appreciate any assistance you can do to investigate the poor practices. 

Below is the guidance from Dept of Ed https : //studentaid.gov/announcements-events/covid-19 " When do I have to recertify my IDR plan? 
The earliest you could be required to recertify is XX/XX/XXXX. 

On your account My Aid page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. 

If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. ''
Product: Student loan

Hi my name isXXXX XXXX. A long story short ... .I have federal and private loans through Navient. They are indicting that I owe almost {$80000.00} in loans!!! They are saying I have 4 loans through them. However, my parents have paid, in full, two of my federal loans and they have confirmation of such. I should only have two more loans through them which both my parents and I are paying. I have had a VERY difficult time trying to set up a payment plan with them so I can actually pay them back and not ruin my credit!!!! Its becaise of them that Ill never get a mortgage in my name : ( ( they have ruined my credit because they are not willing to work with me!! And when my mother just recently called to see what is was that we owe and how much, they wouldnt give her an answer!!! Whats up with that????

Working with them, well trying to work with them, for the last 11 years has been XXXX. They are unruly. I do not make that Much money and they want like $ XXXX/month from me!!! I cant do that.

Anyways trying, begging, for help and direction on how to see if they have XXXX  me over. There is NO way I owe {$80000.00}!!!!

Please help me ...

XXXX XXXX