23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello - I purchased my home XXXX, XXXX. The father of XXXX little boys passed away XXXX, XXXX and I got laid off in XXXX, XXXX. In XXXX, XXXX, I was asked to come back to work with a promotion so I did. I remarried in XXXX XXXX, XXXX, and my position was abolished due to XXXX budget cuts along with XXXX other XXXX employees XXXX, XXXX. After that, it was very difficult to find a job. It was like because I had worked for the XXXX I had a " XXXX '' following me around. I still kept applying for employment until I finally found a part time job in XXXX, XXXX. My husband started being mean, hateful, and abusive to my XXXX boys so I kicked him out and after I found out his was stealing money out of our bank account and purchasing larger expensive items behind my back I ended our marriage. At that time, he left me with {$200.00} for pay bills and feed XXXX children. He took all of our money out of the accounts and closed them. It was honestly the best decision of my life, because he did n't ruin my boys. But he was out to ruin me and " make my life XXXX so I would beg for him to come back '. He tried to fight in court to get custody of all XXXX of my children which did n't work because he had no XXXX rights to my XXXX sons. My daughter he did get shared parenting with her. In XXXX, XXXX, I found a job at XXXX where I could work full time and received benefits. Financially, I lost {$70000.00} after my divorce was said and done. I was going to use that money to pay off my house. Yes, I have struggled. Yes, I have been late on payments but I still made them in order to keep a roof over my kids head. I have n't stopped applying for jobs that make more money but I have n't gotten anywhere. I have had XXXX interviews and am praying I get XXXX of them. 
The problem I am having this year is that in XXXX, XXXX I mailed a four full payments ( {$2800.00} ) that I was behind on due to having to pay for my son 's graduation from high school. Chase bank rejected it and send them back saying I could n't send four separate checks. So I wrote one big check ( for the past due amount of {$2800.00} and I sent a separate check paying for XXXX for {$600.00} again a full payment of past due and for the current month as the bill showed ) and mailed it right back to them. Then in XXXX, XXXX they rejected that full payment and said I needed to send a cashier 's check. So I went up to the bank and got a cashier 's check in the amount of ( {$3400.00} which was a full payment and I would have been up-to-date with my payments thru XXXX, XXXX. XXXX XXXX, XXXX, I received my cashier 's check back in the mail saying they rejected it because XXXX, XXXX payment was now due. Then Chase bank started foreclosure proceedings the very next day. I contacted a HUD housing agency to help me and Chase rejected the modification which would of helped me a lot right now. They said my options are 1- quick sale, 2- pay in full up to date 8 months plus all of the legal fees, etc. or 3- let them foreclose. It 's XXXX and I need help. I do n't want to lose my house I need it for my children. Please help me.
Product: Debt collection

XXXX XXXX XXXX/ XXXX / {$9100.00} XXXX XXXX XXXX/ XXXX / {$440.00} XXXX CARD / XXXX / {$2900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Debt collection

I got a notification through XXXX  XXXX  that I owed XXXX to a company called sunrise credit services, once I looked into it its a collections agency that is connected to XXXX XXXX XXXX, i do not have any accounts with XXXX XXXX XXXX XXXX and have never had them. Once I tried to dispute it and get it off my credit, nothing happened and they are still fighting saying that I owe them XXXX which I do not
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$87.00} XXXXXXXX XXXX XXXX Balance : {$4800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX : {$680.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/2019, I entered into a Retail Installment Contract with XXXX XXXX XXXX, XXXX, operating as XXXX, wherein I provided collateral in the form of a security interest to XXXX. It is imperative to note that at no juncture did I expressly authorize XXXX to vend this security interest on either the primary or secondary market. The entirety of this transaction was financed through my credit, with the vehicle serving as a gift and thereby granting XXXX a security interest. Notably, no contractual agreement was executed with BRIDGECREST ACCEPTANCE CORPORATION, nor was there any consent given for the transfer of purported debt to an entity under the misnomer XXXX, thereby restricting my legal capacity by precluding me from contracting under my full legal name, XXXX. 

A meticulous examination of Texas debt records reveals no outstanding debt associated with XXXX, XXXX  or XXXX. Furthermore, correspondence has been directed to BRIDGECREST ACCEPTANCE CORPORATION highlighting discrepancies in the Amount Financed, Total of Payments, and Total Sales Price. The incongruity between these figures raises pertinent questions regarding the accuracy and transparency of the financial terms outlined in the agreement.

The disparity between the Amount Financed and Total Sales Price is particularly concerning. The Amount Financed should inherently encompass both the principal amount and finance charge, constituting the " total of payments. '' It is perplexing that these figures diverge significantly in this instance : Finance charge {$7700.00}, Amount Financed {$25000.00}, Total of Payments {$33000.00}, Total Sales Price {$35000.00}.

Moreover, I contest the imposition of a {$2000.00} down payment that seemingly deviates from compliance standards outlined in 15 USC Section 662 unless such down payments are uniformly applied across all consumers by the creditor.

The transactional nature of credit transactions underscores an obligation for lenders to extend credit to borrowers within a contractual framework necessitating repayment rather than an immediate transfer of physical funds. Consequently, it is imperative to validate the existence and nature of any purported debt before proceeding with any further actions.

Additionally, several violations have been identified including but not limited to obscuring financing terms to obfuscate consumer obligations and misrepresenting consumer rights within finance agreements. False threats and deceptive statements have been employed towards struggling borrowers exacerbating financial distress and impairing creditworthiness.

Subsequent attempts to seek resolution through Specific Documentary Evidence requests have been met with silence from BRIDGECREST ACCEPTANCE CORPORATION regarding billing disputes and compliance with regulatory statutes such as Texas Finance Code Chapter 392 and Truth in Lending Act ( TILA ).

In light of these circumstances and in adherence to legal standards and fairness in our dealings, I request your prompt attention and cooperation in resolving this matter satisfactorily
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( XXXX U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX CO XXXX Balance Owed : {$300.00} XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and have not been investigated properly using XXXX XXXX compliance and according to the FCRA standards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX own website says it takes up to 30 days to investigate accounts. But these account keep coming back verified in only XXXX days how is that possible if you are following the laws.
Product: Credit reporting or other personal consumer reports

These inquiries was not authorized by me and I did not communicate with this under the specified
Product: Mortgage

XXXX XXXX, I paid off my mortgage loan, IN FULL, per the payoff statement provided to me by XXXX XXXX XXXX XXXX. Payoff statement dated XX/XX/XXXX, with a payoff amount of {$4000.00}. I requested an update to my credit reports to reflect the paid off mortgage loan. They updated my credit report to show a current balance of {$30000.00} and the account as closed. This must be corrected immediately as that false reporting has dropped my credit score by 22 points.
Product: Debt collection

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 XXXX XXXX XXXX. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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.C. 1681s-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: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) 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 those account 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. 


( CREDITOR NAME ) 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: Mortgage

XXXX thru XXXX Need letter for forgiveness/release for mortgage given for a mortgage loan we had thru GMAC mortgage ( now XXXX  ). This forgiveness paperwork was given thru GMAC mortgage via the XXXX  XXXX XXXX XXXX. 
This paperwork was never filed with XXXX  XXXX XXXX records to show the loan was satisfied and released and currently states no activity in XXXX  with last servicer as XXXX XXXX XXXX we need this paperwork so our title company can close our home sale. 
XXXX is bankrupt and the servicer XXXX XXXX XXXX is also bankrupt and we can not get any information or paperwork.
Product: Credit reporting or other personal consumer reports

MY NAME IN PERSONAL INFORMATION IN NOT CORRECT REMOVE XXXX XXXX  XXXX AND XXXX XXXX  XXXX
Product: Debt collection

I received a call from a sales person from Sears to sell an extended warranty on my refrigerator. I specifically told the sales person to place the charge on my Sears credit card and not to charge it to my Sears Master card, which I had never used. Citibank collections starting calling me at least 4 times a day to collect on debt that I didn't owe, I explained to them that I have never charged anything on my Master card and that they should review their tapes. After that Citibank told me that the charge they were trying to collect on was a fraud. I explained to them that I purchased a warranty on the Sears credit card and not the Master Card, but they and threaten to report me to the credit bureau. When I spoke to Sears sales person, she stated the call may be recorded ; therefore, I feel the recording should have been reviewed to resolve this issue before it has escalated to this point. Eventually, they turned the debt over to the collection agency ( XXXX XXXX XXXX XXXX XXXX ). Routinely I have {$75.00} per month automatically withdrawn from my account for the Sears Credit card ; therefore, I was under the impression that the warranty was placed on that account and that I have been paying consistently. 

I am senior citizen and I feel very harassed and taken advantage of when I have been a loyal customer and paid my bills timely.
Product: Credit reporting or other personal consumer reports

I APPLIED FOR CREDIT WITH SYNCB/LOWES ON XXXX XXXX, XXXX. THE ONLINE APPLICATION DID NOT STATE IF I WAS APPROVED/DISAPPORVED, SO I CALLED THE CS NUMBER. THIS WAS NO HELP, BECUASE THEY COULD NOT STATE NOR SEND ME TO SOMEONE WHO WOULD TELL ME THE STATUS OF MY APPLICATION. AFTER SEVERAL PHONE CALLS LATER, I WAS TOLD I HAD BEEN DEINED. I ASKED WHY AND WAS TOLD I WILL RECEIVE THE REASON WHY VIA MAIL. I CALLED AGAIN TRYING TO TALK TO A MANAGER AND THEY INDICATED THEY DO NOT HAVE A MANAGER OR AN DEPARTMENT THAT ADDRESS MY QUESTIONS. I CHECK MY CREDIT RATING VIA AN ONLINE APP IT SHOWS I HAVE AN XXXX, XXXX AND XXXX XXXX XXXX. I ALSO NOTICE SYNCB/LOWES IS XXXX TWO HARD INQUIRIES ON THE SAME DAY ( XXXX XXXX ) .AS OF TODAY, I HAVE NOT RECIEVE THE REQUIRE REASON WHY I WAS DENIEDCREDIT NOR HAVE ANYONE FROM SYNCB/LOWES HAVE ATTEMPTED TO CONTACT ME.
Product: Credit card or prepaid card

I bought a prepaid {$100.00} Visa gift card ( their # is XXXX ) at a charity silent auction in XX/XX/XXXX. I attempted to use it for the first time in XX/XX/XXXX. I was informed there was nothing on the card as the entire amount had been used to make a purchase at XXXX on XX/XX/XXXX. I contacted XXXX who confirmed the use and stated they knew who used it and it was fraudulent ( the buyer had used other cards fraudulently as well and they were investigating ). They told me to contact the card issuer for a refund. I did in XX/XX/XXXX explaining what happened. They told me to send in a copy of the card and a request to register it in my name and they would issue a refund. I did in XXXX, but today they informed me they would issue no refund because I didn't have a receipt proving I bought the card. Since I bought it at a charity silent auction I have no receipt. The organization has no record of who provided this particular gift card for the auction ( even if they could, that person wouldn't have a receipt 18 months later ). I don't think it's fair that I'm unable to get the {$100.00} put back on my card when XXXX confirms it was fraudulently used. Can you help?
Product: Debt collection

XXXX XXXX XXXX indicated that it was suspending collection activity, however, I am attaching the information for their review as it pertains to their client and how many other claims are to be processed with the insurance and their client ( s ) have already been informed that all is due is a copayment and that copayment may have already been paid. In addition to these expenses, there are corresponding laboratory expenses that have not been billed properly through insurance. Virginia XXXX XXXX  XXXX has also been paid the full balance of {$540.00} or is pending receipt. I have attached the most recent receipt with all prior money order ( s ) numbers. All medical expenses were covered by insurance and none were elective treatment ( s ) but were medically necessary. XXXX will also be notified.
Product: Mortgage

This company has been a nightmare to work with. After 6+ weeks working on our mortgage and being told " everything is good to go '' we find out at the last minute ( 2 days to go ) that everything is delayed. We are well qualified, have a substantial down payment ( around 40 % downpayment ), have provided everything they asked for, and have been assured that there are no problems. Then they dropped out of contact for about a week on XX/XX/XXXX ... We have sold our current home and the buyers are to take possession this weekend. We are scheduled to close the purchase of our new home today ( Thursday ) - the seller of that house needs the closing proceeds to purchase her new home on Friday. We have contracted with a moving company ( a 2-3 truck across state line move ) for tomorrow, Friday. The penalty for delay with them is $ XX/XX/XXXX/truck/day. I have repeatedly asked XXXX to speak with someone else at XXXX - someone who has authority and answers. I did speak with XXXX, who said he would have his boss XXXX contact us, but it hasn't happened. Although promised repeatedly, we have yet to be provided with an interest rate or closing disclosure. The processor keeps asking for one little document ( often one we've previously provided ) at a time. Then apparently everything goes back to the underwriters and the whole cycle of " we just need one more thing '' starts all over. Every day we are promised the closing disclosure and it hasn't happened. We still have no real confidence that this loan, that was supposed to close on the XXXX, will close anytime soon. We have a buyer wanting to move in our ( now sold to them ) house. We have movers scheduled for tomorrow ( XXXX ) who will charge us $ XXXXday/truck if the move is delayed or they end up with our stuff on their truck and unable to deliver because we haven't closed on the new house. We have a seller in SC waiting for us to close so she can buy her new home and move in as she's contracted to do. I am obligated to have a professional top to bottom cleaning of the house we've sold and it's stacked with boxes and furniture that we can not move. The cleaning company has to try and reschedule their other work to be available to clean here if/when we can close on our new house. We applied for this loan on XX/XX/2020 with a closing date of XX/XX/2020. I wish I had documents to attach to this, but other than emails promising we will get something soon we haven't received anything. I hope this will get their attention, and also will give a heads up to those thinking of doing business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 6 rounds of disputes for inaccuracies on XXXX, XXXX  and transunion. I have not received any results. This started on XX/XX/2020. I have demanded they remove all inaccurate information as this is hurting me financially and emotionally. I have waited 45 days between disputes to allow time for mail delivery and I am not receiving results from these disputes. I have demanded my rights for fair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo pulled my credit without my authorization resulting in a hard injury on XX/XX/2017. I did attempt to call and I was advised to send a fax to XXXX or they dispute resolution unit and that they would get back within a 30 day time frame. I have faxed them my information it's been over 30 days and yet I have still received no contact from Wells Fargo and over the phone the agents refuse and or unable to advise me why they pull my credit or an update regarding the hard inquiry. Overall, I am under the impression that this is an attempt by Wells Fargo to illegal open an account in my name to inflate there open accounts numbers and make sales quota due to the fact, they refuse why they have pulled my credit.