23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My escrow amount was amortized over 60 months. Suddenly, Capital One decided to shorten the amortized period to 48 months. This has caused extreme financial hardship for me. Today, after numerous attempts, I spoke with one of Capital One representatives, XXXX ( ID number XXXX ) who told me there is no supervisor or Customer Advocacy Team member to speak with me regarding my complaint that my escrow payment was increased. 
Furthermore, the correct escrow amount is {$28000.00} NOT {$33000.00}.
Product: Student loan

Nelnet has combined my subsidized and unsubsidized student loans without permission. I used to have a Group A and Group B student loan that I paid to them. Now -- -I have only a Group A. I intend on going back to school next year -- -so, I intend on only paying the unsubsizided since the interest will still accrue. They have done so without my permission. I have tried to call multiple times -- -and have gotten no resolve. I am on time AND ahead -- -but I have every right to pay either loan in advance by law. How many times are they going to manipulate my loans?
Product: Bank account or service

I got paid and paid my bills over the veterns day holiday long weekend. When I checked my account on that Monday, it indicated that I was overdrawn. After reviewing the charges I noticed XXXX unauthorized charges at gas stations for a total of XXXX. I contacted the bank and they opened an investigation. They are trying to deny the claim. ( XXXX XXXX a small car and it takes less than {$25.00} to fill it up )
Product: Credit reporting or other personal consumer reports

Im stunned and disappointed to find wrong accounts on my credit report this morning. Ive always kept a close eye on my credit, but this time, something was seriously off. When refreshing the browser didnt remove the errors, I knew it wasnt a glitch. Because of this, I am requesting a thorough review of the documents Ive submitted, so I can feel confident this will never happen again.
Product: Vehicle loan or lease

I purchased a XXXX XXXXXXXX from US AUTO, they went out of business, sold the loan to another company that doesnt honor the warranty or anything and want me to continue to pay for everything
Product: Credit reporting or other personal consumer reports

Dispute Letter, Debt Validation Request & Immediate Update Request XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX : Account : XXXXXXXX XXXX XXXX  : Account : XXXX XXXXXXXX : Account # XXXX ( Note that none of these are currently collections accounts, but they all contain many inaccuracies in each account that reflects negatively against my credit ) I am writing regarding the above-referenced accounts, which currently shows a balance and was reportedly charged off due to non-payment during the COVID-19 pandemic. Under the CARES Act, individuals and businesses were provided relief measures to mitigate the financial impact of the pandemic. My financial difficulties during this time were directly attributable to these unprecedented circumstances. 

Dispute of Balance & reporting : I respectfully request a thorough review of this account. The balance shown does not appear to accurately reflect the provisions of the CARES Act or the potential assistance I may have been entitled to during the COVID-19 period. I request documentation showing the exact charges, credits, and adjustments made to this account during the relevant time frame.

Request for Form 1099-C If this debt has been canceled or discharged, I request that you provide me with a copy of IRS Form 1099-C for the account in question, as required by federal law. This form is essential for my tax reporting purposes and to confirm the status of this debt.

Debt Validation Request Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : 1. Validation of the debt, including the original agreement establishing this account. 

2. A detailed accounting of the current balance, showing how the total balance was calculated.

I trust that you will address this matter promptly. Please respond in writing within 30 days of receiving this letter. You may reach me at XXXX if additional information is needed to process my requests. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX [ XXXX, SC, XXXX Exeter XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX am writing to formally request that you review my account [ XXXX ] under the provisions of the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1665, as it pertains to the reporting of late payments on my auto loan. I believe that discrepancies or errors in the reporting and application of my payments may have resulted in unjust late fees and negative reporting on my credit history.

The Truth in Lending Act requires that lenders provide accurate and clear disclosures of loan terms, including the correct application of payments and any associated penalties. If any errors or violations of TILA have occurred in the reporting of late payments or in how payments were processed, I respectfully request that these discrepancies be investigated and corrected immediately.

If there has been any failure to comply with TILA 's disclosure requirements, or if payments were applied incorrectly, I am requesting that any late payments reported be removed, and my account be updated to reflect the correct status.

Please provide a full review of my account, and if any errors are found, kindly issue the necessary corrections. Additionally, I would appreciate a written response confirming the actions taken to resolve this matter, along with any adjustments made to my account and credit report.

Thank you for your prompt attention to this matter. I look forward to your response and to a timely resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

My mortgage was purchased by Lakeview loan servicing shortly after my purchase of the home in XXXX of XXXX. On XX/XX/XXXX I received a letter informing me that my homeowners insurance policy was expired and that on the XXXX they would purchase a policy on my behalf at a {$1900.00} premium instead of my {$620.00} current policy. After contacting progressive I learned that the policy had been cancelled due to non-payment. XXXX informed me that they did not have Lakeview as the mortgage holder. XXXX also informed me that I was no longer eligible for a " rewrite or reinstatement ' due to their new policy of not taking on new " non-bundled business ''. I then called Lakeview to speak with them and was informed again that until I provide proof of coverage I would have to pay the {$1900.00} premium. Hours of phone calls and being transferred and hung up on multiple times, missing a day of work, Lakeview and XXXX continue to point fingers at each other while assuring me that I was not at fault but without accepting accountability. As a homeowner that pays the mortgage on time every month I have been failed and brushed aside. I appreciate that there is an avenue for me to voice my concerns. Thank you
Product: Credit reporting or other personal consumer reports

This account was charged oof on the following date : XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX - account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that is not mine and was the result of fraud/identity theft ( XXXX XXXX XXXX from XXXX of XXXX, as stated in the FTC identity theft report attached ). I noticed it in XXXX of XXXX at which time I disputed it ( I did not know the proper way to fix identity theft with the credit reporting agency at the time, I wasnt aware that disputing wasnt the Way to fix ID theft fraudulent accounts ). When I got the info back they were not deleting the account I spoke with an agent on the phone who informed me I needed to send in the FTC identity theft report ( which I had already filed the same day of the call ) and my drivers license and social security card. I sent the ID theft report from the FTC off with my drivers license and social security card the next day, priority mail XX/XX/XXXX. It was received four days later on XX/XX/XXXX. They sent me an investigation result stating this account XXXX XXXX that was disputed is verified as accurate and will remain on your report. The problem arises when they noted this as a dispute and not an IDentity theft request to block under The Fair Credit Reporting Act Section 605b. The FCRA 605b requires credit reporting agencies, such as Transunion, to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. They have done neither. The fraudulent account is still on my credit report and is keeping me from being able to apply for credit, among other things. This needs to be fixed, Ive sent in every single piece of information that the FTC said was required for this to be blocked from my report and Transunion has still not done their due diligence. Please help! Its crazy that they sent me a notice of my rights as an identity theft victim but didnt treat this as identity theft is supposed to be treated. 
All relevant files have been uploaded including the Driver license and Social Security card info I sent them along with my FTC ID theft report the priority mail receipt for the mailing of said documents, screen shot of USPS tracking info stating when the mailing was delivered and picked up by an individual, as well as the dispute results and a copy of the packet of of theft rights they sent me. 

Thank you for any and all help you can give me as this has upset me to no end. Transunion not treating this as if theft is almost as bad as the od theft to begin with. It shouldnt be this hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a FTC report along with 605B letter and the credit bureau will not delete inquiries and collection account off my credit report. They refuse to follow the fraud guidelines that they have laid out!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of this year, while on a business trip to XXXX I tried to withdraw {$2000.00} from a Bank of America ATM. After submitting my card, passcode, and request, the ATM flashed a screen that stated my transaction was denied and my account was now locked and that I should call the number on my card for assistance. This made sense to me since I was trying to withdraw a lot of money from many states away from where I live. So I called the number for BofA and confirmed it was me. The bank instructed me to try it again. I did try it again and the same denial happened. At this point I gave up trying to get my money. I tried calling the bank again but was on hold for so long I had to give up to catch my flight. I then logged onto my bank account and noticed that while the first {$2000.00} debit to my account had been reversed, the second {$2000.00} attempt was debited from my account even though I had received no money. I filed a complaint/claim with Bank of America XXXX XX/XX/XXXX, but today, 12 days later there has been no refund and no contact by Bank of America XXXX 

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

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted an online application for a VA Home Loan to XXXX XXXX, Sr. Mortgage Consultant, Affinity Mortgage, LLC XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , KS XXXX Direct Phone : XXXXFax : XXXXEmail : XXXXXXXXXXXXVisit our website and apply online at www.affinityhomeloan.comAnd, I would like to report them for possible fraud.
Product: Debt collection

XX/XX/year> {$16000.00} Affecting my credit lower my credit score
Product: Mortgage

I am a single mother of XXXX children currently living in my home in Pennsylvania. Me and my husband divorced 2 years ago. When my home was refinanced in 2005, unbeknownst to me I was not put on the loan document, only on every other piece of paper. Now that I am divorced and living in the home, and paying the mortgage, did I find this out. Ocwen will not assist me in anyway in getting the home out of my ex-husbands name, and into my name. I pay the mortgage, taxes, and maintain the property. I am on the deed and my ex is willing to sign everything over to me but nobody will help. I can not refinance because the house is about 70k underwater due to the economy. I do not qualify for HARP because its not owned by XXXX or XXXX. What are regular people supposed to do in these instances? I pay my taxes and bills on time and now I 'm stuck. I do not want to be forced to do a short sale or deed-in-lieu and Ocwen has got to be the worst company to deal with hands down. I have been through XXXX and back with these people over the last 5 years. They have redone my mortgage only to " forget '' to add the taxes/insurance into the payment and then ask me after a year for the 6K and try to forclose on me..I tried modifications with them only to get 2 years of run around and missing paperwork, again almost putting me in foreclosure. I can not take them anymore..how they stay in business is criminal. 

I need help, and I have no where to turn. I would appreciate someone guiding me in some direction for help of any sort at this point. 

Please..I 'm begging..help the rest of us homeowners who are underwater, scared and about to lose everything because of the big banks shenanigans. We bailed them out ... who is helping us?
Product: Credit card

so I made a purchase that I authorized in XXXX of this year. It was for a blocker app for my phone. However, after a few months, the app stopped working and then I found out the app was not updated since XXXX of last year. 

I contacted the developer in XXXX he beats around the bush and pretends not to know what a refund is. I have seen app developers make apps to make money off of them and not maintain them. 

So I decided to contact TD Bank Credit Card Services. It has been one big pain in the XXXX. I told them what happened so they opened a dispute a few weeks later they denied me. So I went back to TD Bank 's local branch with an absolutely outrageous letter that I had to write. Included a screenshot of the app and last updated version. 

I get denied again. I asked for information on how they make their decisions they never sent it to me. Their only argument was that I authorized it. Well, my argument back at TD Bank is this. They are stating if someone steals my card and pretends to be me and authorizes it I will be held accountable for the purchases. 

I just want my XXXX dollars back because the app is broken and the app developer has been a creep. Anytime I ever had any issues with stuff not working when I paid with XXXX card I might get a lecture but never this much of a run around like I have with TD Bank Credit Card service. This company should be looked into for their terrible practices and using snail mail to deliver notices is unacceptable because I had multiple letters crossed in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is being reported with an inaccurate information. 

This letter is in response to my letter mailed and dated ( XX/XX/XXXX & XX/XX/XXXX ) to XXXX, XXXX & Equifax. In my letter that was dated XX/XX/XXXX, I disputed names associated to my report. My legal and correct name is XXXX XXXX XXXX. I provided copy of my social security card, driver 's license and copy of a utility bill. 

I requested that all these names are deleted to any consumer credit reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was notified of this supposed debt by the collector. I contacted my cell phone service provider, XXXX, to inquire about its origin. They initially told me the debt had already been sold, so they no longer had access to my account. I asked to speak with a supervisor and was put on hold until the toll-free number hung up on me. So I called back. The next customer service rep accessed my account, and told me that when my girlfriend and I combined accounts, my account was canceled, and the remaining balance on the phone I had purchased had not been transferred over to the new family plan, as they call them. I called the collector back. The collector representative said the balance due was from XXXX services that had been billed to me incorrectly after the combination of accounts. I called XXXX back to verify. The XXXX representative I talked to said that I had only been billed one month 's service in error, and that half of the balance in collections was my final bill generated after combining accounts with my gilfriend. I was told they would submit a claim on my behalf, correct the balance, and then I could work with the collector to pay off the remaining balance due. One month later, I receive a letter from the collector that says they discussed the matter with XXXX, and XXXX had rejected my claim. That same week, the agency reported this debt to the credit bureaus. I am convinced that this is all due to a clerical error on XXXX 's part, that I do not owe anything, and that it should be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report with the three credit agencies, XXXX, TransUnion, & XXXX with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted more explanation on. 

I am not 100 % sure if the following accounts are accurate or indeed even mine. I received the disputes back and they did not provide any documentation stating these were indeed my accounts. 

I also noticed there are inconsistencies with what is listed per agency ( see attached documentation ). 

Per the Fair Credit Reporting Act whereby law, I have the right to challenge anything I am not sure is accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX  # XXXX 15. U.S.C. Sec 1681i ( a ) States if the credit agencies can not provide proof, the accounts must be deleted. I did not receive any proof or verification showing that the accounts were indeed mine.

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. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

Thank you so much for your assistance with this matter. 

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

on XX/XX/XXXX I sent a dispuite to Equifax about the following accounts : XXXX ) XXXX XXXX XXXX, which you claim I owe {$9100.00}. 
XXXX ) XXXX XXXX XXXX XXXX {$30000.00} DATA OPENED XX/XX/XXXX XXXX ) XXXX XXXX. XXXX. {$1300.00} DATA OPENED. XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX ) XXXX XXXX ) XXXX XXXX, BEST B It's been 45 days since I sent this dispute and they have not answer as they are required by the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the effort to delete some of the items from my file that were allegedly obtained through identity theft, but I still need to delete a few more. Any goods identified on an ID THEFT REPORT must be removed in accordance with FCRA section 605 of the law. This report was originally included in a prior letter, so I'm including it again. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate noncompliance. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$570.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX