23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a Citi XXXX  XXXX Mastercard account in late XX/XX/XXXX. I received an offer confirmation letter dated XX/XX/XXXX stating the following " Effective XX/XX/XXXX, the promotional Annual Percentage Rate ( APR ) of 0.00 % applies to each transferred balance made under this offer until XX/XX/XXXX. '' However, they began charging me interest in XX/XX/XXXX. I contacted the company at XXXX and spoke with XXXX about the error & she said they would not be able to reverse the interest charges unless I printed out a copy of the Offer Confirmation letter account & send it to them through the US mail. Now, they already have a copy of this letter & it is also viewable & available for download on my online account. Please see the attached Office Confirmation letter dated XX/XX/XXXX and my latest statement dated XX/XX/XXXX.
Product: Mortgage

I received an escrow analysis from my lender, Freedom Mortgage. 

Although my analysis predicted a surplus amount and a refund check was sent to me, Freedom mortgage raised my monthly payment amount. 

Freedom mortgage did not provide me with a shortage amount, nor did they provide me with the opportunity to pay any shortages so that my monthly house note would not increase. 

Freedom Mortgage just raised my house note, without any opportunity to pay the shortage. I attempted to resolve the matter by alerting them, but they have ignored or insufficiently responded to my inquiries. 

They have not answered the question of how they determined that I have a surplus which resulted in a refund and have my monthly house note go up at the same time because of a shortage. I received notice that I have an overage and shortage in the same escrow analysis letter. 

I know this sounds confusing, but that is why I require your intervention so that Freedom Mortgage can provide an accurate escrow analysis that shows what the shortage is, so I can pay it in full and reduce my monthly mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is NOT reporting a real estate account from Union Bank & Trust, # account # XXXX. This account is 25 years old ; opened inXX/XX/1993 ; Highest Credit {$93000.00} ; current balance approximately {$32000.00}. 

After speaking with Union Bank & Trust, they say they report to XX/XX/XXXXevery month, but this account is not listed on my credit file. The monthly bill is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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. 
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 XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my Equifax info since they obviously can not be trusted with my personal information. Today, I needed to lift the freeze temporarily to conduct business - just allow a bank to pull a credit report. To start with, there are no phone numbers or email/chat numbers for communication provided for what I needed. Then, the representatives sound like they are all from the XXXX ( which is fine ) and have questionable command of the English language ( NOT fine ). After a 17 minute wait, which is eternity for a working person, my first representative told me that it would take 15 minutes for my bank to access the report. I get a call 2 hours later and this has not happened. I call back. Another 17 min wait and then a 3 min wait. The representative continued to get stuck on the duration of the freeze lifting - initially told to me for " 24 hours, '' but which is apparently 48 hours. Fine. I just want the bank to have the report. I repeated myself 3 times. Then he says it takes 10 min to 24 hours for the freeze to be lifted. Since the second guy did n't understand what I needed the first time, I am still not clear on whether he means that it could take 48 hours to lift the freeze and whether the freeze is temporary. I do not have the time to sit on hold a third time. 
1 ) I did not ask Equifax to monitor my credit 2 ) I do not want my personal info spread all across the globe and blame them for not protecting my information. 
3 ) Companies mess up. I accept that. But now they need to make it right. They need to provide adequate assistance to communicate with the company, which means providing easy to locate telephone numbers and adequate representatives to make things right. There is also no excuse in the digital age for it to take 24 hours to allow me access to my report. 

I feel completely powerless in this situation, which I have absolutely no say in. With great profit and power comes great responsibility. When are you going to protect American consumers.
Product: Credit reporting or other personal consumer reports

I am writing to you as the surety and beneficiary in an implied trust relationship with you as Trustee and as the surety with invoked equitable rights on behalf of XXXX XXXX XXXX XXXX hereinafter referred to as the " consumer ''. It has come to our attention that there have been unauthorized inquiries on the consumer 's credit report, which not only infringes upon their rights but also poses a significant injury in equity. 

The unauthorized inquiries have directly interfered with the consumer 's ability to conduct commerce, thereby causing undue harm with denials and opportunity loss. Such actions can be construed as a violation under the XXXX XXXX and XXXX XXXX ( XXXX ) XXXX, given the organized and systematic nature of these unauthorized inquiries resulting in continued interference with commerce. Furthermore, these actions can be deemed as unfair and deceptive trade practices, which are in direct contravention of consumer protection laws. 

Moreover, it is our understanding that certain user agreements may have been formulated without proper legal oversight, leading to the unauthorized practice of law by a corporation. Such actions not only undermine the sanctity of the legal profession but also jeopardize the rights and interests of unsuspecting consumers. 

As Beneficiary, we urge Experian as fidcuairy to take immediate action to rectify this situation. We request a thorough investigation into these unauthorized inquiries and the removal of any such entries from the consumer 's credit report. Additionally, we seek assurance that measures will be put in place to prevent such unauthorized actions in the future. 

Failure to address these concerns in a timely and appropriate manner may compel us to take further legal action to protect the rights and interests of the consumer. We hope it does not come to that, and we can resolve this matter amicably. 

Inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian We appreciate your prompt attention to this serious matter and expect a response within 15 days.
Product: Debt collection

Aldridge Pite , LLP on behalf of client XXXX XXXX XXXX XXXX has my home unlawfully listed as foreclosed with a sale date of XX/XX/year>. My home does not have an active mortgage to foreclose upon. XX/XX/year> a request for Validation of Debt was made and not received. I have verified with my countys XXXX XXXX that there is not a formal notice of foreclosure, liens, or holdings on my property. Aldridge Pite , LLP listing my home as foreclosed has caused unwanted, aggressive, continuous solicitation from unknown persons refusing to identify themselves or company. The unknown individuals only state that they are working from information provided by Aldridge Pite , LLP. XX/XX/year> a XXXX & XXXX XXXX was sent and received by Aldridge Pite , LLP but the harassment continues and the foreclosure listing remains. I am now afraid for my safety and and a police report is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete the Inaccurate information and unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX unauthorized inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card

I received a prescreened offer in the mail. I did n't want the credit card. It 's for a store I never shop in. Within the materials, there was information to opt out from further offers. I called the number & they asked for my social security number & birthdate. I entered in the information since I have accounts with this bank XXXX Synchrony Bank XXXX. Then they started to ask for my address & name. I hung up. I felt like the number was a phishing scam. The number I dialed was XXXX.
Product: Mortgage

I have been trying to work with my lender but all they do is give me the run around. I have provided everything that they need and they still continue to ask for more documents that is not required. 

Their intake team or underwriters have had my loan under review for over 4 months asking for more and more documents. Each time letting documents expire and then asking for more.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing about my previous communication regarding the late opening date of my account. 

Despite my initial request to correct the opening date of my account, I regret to inform you that the issue remains unresolved. As a result, I am reaching out once again to request your assistance in rectifying this matter. I have attached copies of relevant documents, including proof of my application and any other supporting materials, to assist in the resolution process. 

I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening date. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$550.00} ; XXXX  XXXX XXXX Balance : {$37.00} XXXX XXXX XXXXXXXX XXXX Balance : {$700.00}.
Product: Mortgage

This specifically what I sent to PHH : I checked online and now it states that we are XXXX days past due. That we owe since XX/XX/XXXX. However, I would like to reiterate my concerns that the payment that we allegedly owe are payments that were made to XXXX XXXX  when XXXX was the loan servicer, we made a payment in XXXX, XXXX and XXXX before we were informed that your company had taken over. We only came to find out that your company had taken in XXXX. If those payments made to XXXX were supposed to go to PHH, XXXX why were we notified of the change initially. B. What happens to the payments that were made to XXXX that should have gone to PHH. Would it be our responsibility to request that money be returned or is it your responsibility to recover those funds. Cause to my understanding it would like we are being double billed by both your company and XXXX. I would like clarification on this matter as soon as possible. 

Also I want to point out that we can never speak to anyone in loss mitigation and the liasion that is assigned can never give us an actually answer to any of our questions. 

Also we made a payment that was supposed to be applied to a back balance. It was applied to the forbearance without answering my emails of the concerns I had with respects to it. 

I would like to point out that both my mother and I both work for a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

We entered into a construction loan with TD Bank in XX/XX/XXXX with the goal of building our dream home. Unfortunately, we have had a terrible experience with our builder ( XXXX XXXX ) and have had to fire her. In doing so, we became aware that TD Bank gave her $ XXXX from our account in XX/XX/XXXX after she submitted forged paperwork requesting these funds ( she signed in our place and without our authorization ). This was also against the terms of the contract with TD Bank, which clearly stated that no funds could be disbursed until the builder had obtained a building permit ( email attached ). For context, we still do not have a building permit today. Lastly, this follows written assurance from TD Bank in XX/XX/XXXX that no funds had been disbursed ( email attached ). 

TD Bank initially recognized their error when we brought it to their attention, and immediately reversed the funds and confirmed our account was whole ( email attached ). This upset the builder, and she is disputing this with the bank. 

Now we are receiving emails from the bank 's attorney that they believe the $ XXXX should be returned to the builder. We have made it clear that we do NOT authorize the disbursement of any funds and that we are pressing criminal charges against the builder. We do not understand the bank 's position other than desperately trying to cover their tracks for this error and force us to incur the cost of a litigator against both entities. 

At the same time, the bank is refusing to disburse any funds to our new builder until this is resolved, effectively holding our funds hostage ( email attached- same as the " no disbursements can be made without a building permit '' as described in first paragraph ). 

We trusted the bank to be our advisor and are feeling betrayed by this turn of events and the bank 's lack of support in what is clearly a stressful time for our family. What we are asking for now is assurance from the bank that our account is and will remain whole, and that the bank will handle the complaints from XXXX XXXX about the $ XXXX themselves and leave us out of it. 

We in turn will be pursuing our own charges ( criminal and civil ) against XXXX XXXX XXXX.
Product: Mortgage

I am an XXXX of 11 years. I had a mortgage account through Nationstar. I applied more than 12 times to their Uniformed Borrower Assistance Program in an effort to keep my home. My home was listed for rent and rented out, however those individuals who moved in did not make any attempt to pay their debts and resulted in an eviction through the county of XXXX XXXX. During this time I applied through Nationstars program several times with multiple failed attempts. Their process was not thorough, direct or even remotely close to customer service as it should have been. I had to make dozens of attempts for communication, I did n't know where to look for the status of the application, many times I was told I was missing information when I had already submitted it to the representative either via email or through their website. 

The end result was a Died in Lieu of which closed in XX/XX/XXXX. Recently an inquiry on my credit report indicated Nationstar had reported a 120 late payment notification as of XX/XX/XXXX. This negative inquiry in my credit report resulted in a referral ineligible when applying for a new home loan. This is an inaccurate report and very inconvenient to me and my family.
Product: Credit card or prepaid card

I have an account with Discover- this complaint is primarily about their violation of the Fair Debt Collection Practices Act but also misleading statements made during the pandemic under the guise of offering assistance. 

In the past XXXX calendar days Discover has contacted me over XXXX separate times regarding my defaulted account, on a week that included a federal holiday ( XX/XX/XXXX ) where they were presumably closed. Some days this exceeds XXXX or XXXX calls beginning at XXXX XXXX and ending around XXXX. I am aware that is within the allowable time window, just illustrating that it begins as soon as they can and goes repeatedly all day and night. The quantity of calls is XXXX the allowable amount. 

I can not remove my phone number from my account because when it was an active account I opted into text alerts, I can not opt out of those alerts though their website anymore because the account is closed. That seems a blatant attempt to try to circumvent laws by locking people into a supposed " opted in '' status without the ability to opt out. 

During the pandemic I entered a payment plan with them, the supposed agreement was XXXX of fixed automatic payments of a lower amount than my minimum payment had been and a slightly reduced interest rate. The deal was promoted to me as " the account would be suspended during the payment program and if I made all the payments on time then at the conclusion of the program the account would remain open ''. I submitted the XXXX payment on time in XXXX of XXXX. While they acknowledged I had completed the plan, and that my account showed an available credit of over {$3000.00} they never turned my card back on citing that it was pending a review. The minimum payments however still doubled to over {$700.00} a month which was more than they were before the payment plan despite my balance being reduced by thousands. In XXXX I lost my job and Discover was unwilling to make any additional deals or payment plans. By XXXX I could no longer afford the payments against a card with no credit line and it seemed clear that they had no plans to reactivate the account so I prioritized other debts and defaulted. That program seemed like a blatant attempt to collect {$7200.00} in payments from me against an account they had no plans to keep open so they could continue to charge higher interest for that year, so the {$7200.00} in payments only reduced the balance by {$3000.00}, as opposed to the closed account payment options with interest rates as low as 0 %. They are no longer willing to offer low interest settlement, the best they will do is knocking a few XXXX off and wanting payment in full within 3 months. I spent a total of 11 months unemployed in multiple stints since XX/XX/XXXX, and paid them on time for all XXXX of the " assistance '' payments during this time. They " continued '' the relationship by not upholding their end of the deal and now aggressively harassing me in violation of the law.
Product: Payday loan, title loan, personal loan, or advance loan

I have not had an income for XXXXXXXX XXXX except for a XXXX XXXX XXXX for a few months after getting XXXX and being taken off work by my XXXX  from the XXXX XXXX XXXX XXXX where I worked for XXXX years and was cheated out of my XXXX and short and long term XXXX which I am currently in the process of suing them for, at the same time I am waiting for my XXXX pension to begin as a twice XXXX XXXX and have no credit cards, and have not been able to retain a loan, so out of desperation reached out to Sun Loan to get a small loan to get me by until I get my first pension payment. They have you fill out the application on their website at XXXX, then have you upload your DL, copy of paystubs or XXXX statement, and XXXX bills with your address, which is not necessary until they approve and close the loan and dangerous to do with as much fraud as there is nowadays. I know as I used to be an XXXX XXXX for two higher-level finance companies in the past. But, since this was a request for a loan with markets themselves as a loan that does not require a pull of the credit reports, which is what I needed as my XXXX XXXX fell to XXXX due to my having to take off work and not being paid then being XXXX XXXX on top of it and not having any income for almost XXXXXXXX XXXX ( my credit was perfect until this happened ) and Sun Loan is a subprime lender NOT a bank, who charges inflated interest rates for this very reason they make loans to those of less than perfect credit scores, I went ahead and uploaded all expecting to get the loan. But instead, they took all this information under false marketing as they then denied my loan. I then went onto their website to delete my PPI and it was not on the site for me to access anymore. I think these crooked finance companies and businesses taking all this information before denying loans are selling our data. I want several things addressed, the fact that they are falsely advertising themselves as a loan option for those with less than perfect credit and that they do not use your credit report for the loans, and XXXX for taking PPI from customers when it is not necessary to make a loan decision and possibly selling or compromising that PPI via the internet and dark web. As well why is there no bank with loan interest for those XXXX years and older like me and the elderly who are receiving XXXX benefits to get loans from and not be expected to have perfect credit or pay exorbitant interest rates, as we have a stable income but seem to be discriminated against due to our age, poverty and not having a regular job!! Subprime companies should NOT be allowed and should be fined and shut down for all these reasons and should not be allowed to get away with running their business with the same expectations as a low-interest rate bank, as they are NOT a bank, they are a subprime finance company aka loan shark.
Product: Debt collection

This information does not belong to me I want to investigate when was this because I do n't have any idea. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my student loans for over 10 years. In that time period, I have never had a late payment on any of my loans. During the 2019 year I placed a loan with Dep of Ed/XXXX in forbearance. Unbeknownst to me, this loan came out of forbearance and I was never contacted regarding its status. Every account that I have with XXXX  is on automatic payment however somehow this account was not.It appears that XXXX had made a mistake with a double charge in my past and in order to prevent that in the future perhaps autopay was turned off on this account. XXXX allowed this to continue for 3 months without my knowledge and then reported a 90 day delinquency on my credit report during the time I was trying to purchase a home and completely destroyed my credit. All I have asked XXXX to do is take a payment for this loan and repair the report so that it is not showing on my credit as a late/delinquent charge. XXXX will happily take my money but refuses to give me any information regarding the status of their reporting to me and are forcing me to go directly to the credit bureaus to file a complaint. How can a company be so brazen in their handling of a student just trying to get by.