23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I spoke to XXXX at New Rez Loan Servicing at XXXX XXXX  this eve, XX/XX/XXXX regarding forbearance on my loan # XXXX. I applied for Forbearance/Deferment as per the CARES ACT online on XX/XX/XXXX and uploaded all required docs as per their website. 
1 ) New Rez Borrower assistance form 2 ) DODD FRANK disclosure 3 ) XXXX 4 ) Bank Stmt 5 ) LOE on my income loss Tonight when I spoke with this representative via phone she used scare tactics with me and alluded to the fact that I can ONLY get 3 months forbearance and that she knew nothing about the CARES ACT and that after 3 months my options would be : 1 ) pay back the 3 months in full 2 ) Loan Modification for a 40 YR term and add 3 months to principal 3 ) Payment Plan I am gravely concerned because the CARES ACT specifically states up to 180 days and not 90 which this lady indicated.In addition, how does one pay back this amount in 90 days when they have 100 % loss of income a a sole proprietor? I do believe she was trying to get me withdraw my application by giving me grim hope of any relief and help. In addition NEW REZ is asking for documents not required by the CARES ACT to provide if hardship was due to COVID19. I am attaching their doc request forms directly from thier loan portal and proof I uploaded this. I have also received correspondence asking me to sign authorization for credit and income. WHY? this is not required. See all uploaded docs and screen shots of what I provided and mailed back. 

CARES ACT reads : if you experience financial hardship due to the coronavirus pandemic, you have a right to request a forbearance for up to 180 days. You also have the right to request one extension for another up to 180 days. You must contact your loan servicer to request this forbearance. There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship. 

I am asking for CFPB to investigate this servicer and their internal practices of FEAR based lending to their borrowers. It is especially important now more than ever when many of us are vulnerable, feel helpless and need financial help so as to keep our home. I would much rather be working and paying my bills then having to feel lost and abandoned. It is unfair and somewhat discriminatory against those of us who are in this position to make us feel like we have no options and to ask for documents not legally required in CARES ACT. They should be fined for this privacy issue.
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXX XXXX - XXXX - {$23000.00} I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Mortgage

Statebridge company LLC this mortgage company do not cooperate with anybody or anyone. 
After I fell in foreclose I did everything to try to save my home. Every where I went to do the harp program I did qualify for this program. But statebridge say differently. After reviewing all my income for this qualification which I got a proof. Statebridge still say no. So I did what anybody will do. Get it for short sale. They still gave short sale center an hard time for there cooperation. They refuse to help the short sale center for any information that they made need. Please help me Because I have a sale date for XXXX XXXX, 2015. I want to same my home and making the suitable mortgage payment. Thank you ....
Product: Credit reporting or other personal consumer reports

I have identified errors on my credit report, which fall under the scope of 15 USC 16c-2. The information provided is inaccurate and is affecting my credit rating.
Product: Credit reporting

This is for a phone bill that I do n't believe I owe. When I first received notice I wrote them and asked what it was for and proof that I owed it. I received no response. I am unable to find my original letter that I sent. However if whoever this is that is damaging my credit report can prove that this is legitimate bill I would gladly pay it. I would like this damaging information off of my credit report. 
Thank you.
Product: Debt collection

I never received a thing but a summons from Midland Funding , LLC ( Encore Capital ). I was never able to dispute anything. I answered the summons with my election for contractual arbitration and even sent Midland Funding a letter before I sumitted my answer to the court here in Arizona. 

Midland answered back with a motion for summary judgment. Midland ignored my letter electing arbitration per XXXX cardholder 's agreement. Midland forced me into litigation when a clause in XXXX 's cardholder agreement protects any alleged consumer from litigation. 

MY QUESTION TO MIDLAND FUNDING IS THIS : Why did you drag me into litigation when I invoked arbitration from day one? You ignored me. You denied my due process. 

CURRENT SITUATION : I was unlucky enough to get a superior court judge that does n't know arbitration laws and he gave Midland a summary judgment against me. I fought the litigation as much as possible, but the irony is that the arbitration clause protected me from litigation and yet Midland kept dragging me through it. 

Now there is a summary judgment that I am appealing to the Court of Appeals, who I hope knows the arbitration laws. 

WHY WAS I PUT THROUGH LITIGATION EVEN AFTER I INVOKED THE ARBITRATION CLAUSE? Why is it okay you ignore my rights as a consumer that is invoking the arbitration clause? I want answers. You have really ruined my health and denied my rights.
Product: Credit card or prepaid card

On XX/XX/XXXX I booked a plane ticked through Bank of America Travel Center for a multi-segment trip ( departing XX/XX/XXXX XXXX and returning XX/XX/XXXX XXXX ). On XXXX, the Travel Center notified me that my return flight would be on XXXX which would mean missing work and incurring additional hotel expense. I call the phone number on their email to make changes or request refund on XXXX - spoke to an agent for 45 minutes who promised that he would get back to me. He never did. I emailed later that day and never heard back. I called twice today on XX/XX/XXXX and the line was hung up after waiting on hold about 15 minutes on each call. I then went to the Bank of America ( parent ) Credit Card division to dispute the charge and the website indicated that I could not do so. I called XXXX XXXX and they said that I had to go through Bank of America Travel Center. I called Bank of America ( parent ) Credit Card division and they transferred me to the Travel Center. I have now booked a new flight and can not use this ticket. I need a full refund. I have easily invested about 4 hours of effort in trying to get a refund. I will be closing my Bank of America Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of ED/Nelnet is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the Department of Education dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XX/XX/XXXX and " will remain in that status pending further direction.. ''
Product: Credit card or prepaid card

I disputed 3 charges made by a scam company who never rendered the services paid for. The credit card issuer issuer is CitiBank. On XX/XX/2018 I disputed the 3 charges ( all made on the same day by the same company. I still do not know why they insisted on breaking it into 3 charges instead of one, because the payment was for one contract for services. ). The disputes were acknowledged by Citi and given 3 different dispute numbers by them. They issued conditional credits. The basis of my dispute is that the services paid for were not received in whole or in part On XX/XX/XXXX they sent 3 letters through their system ( which they can send correspondence through, but I cant reply through ), and oddly all 3 letters were different, but basically saying the investigation was closed and credit reversed and advising I could submit further information by XX/XX/2018. I'll try to attach copies of these letters. No merchant provided documents or information was provided to me at any time. 

I did submit more information by XX/XX/XXXX ; a letter dated XX/XX/XXXX and attachments of dispute letters, merchant contract, written communications with merchant by me, copy of cash payments, copy of unidentified trucks, copy of unidentified driver picture. I'll also try to attach a copy of this. 

XX/XX/XXXX and XX/XX/XXXX I then received surprising letters from Citi saying basically the merchant didnt agree to a credit, therefore the investigation was again closed. However, I also noticed 2 of the 3 charges were again credited to my account, so I thought maybe this was in response to my letter of XX/XX/XXXX. However, I again received last week, an email from Citi saying there was a message in their system. This message said again that the matter was resolved because the merchant refused to give a credit, therefore my remedies would have to be pursued against the merchant separately. 

I am certain the merchant can not prove they rendered the services because they ceased to exist during the time period they could have done so, because their principals were indicted by the XX/XX/XXXX for their scam practices at that same time, because in fact they did not render the services and because we paid thousands of dollars in cash to others, not affiliated with XXXX XXXX XXXX, to eventually ransom our things out of the hands of strangers. 

To see if I missed anything, and because this process has been so mystifying, I live-chatted with Citi today before filing. They again reiterated that they consider their function to be simply to contact the merchant and get a response, " not just give a credit. '' They have never provided documents provided by the merchant nor said anything contended by the merchant other than they refuse to give a credit. The burden of proof has oddly been on me the whole time, and they never said I did not prove my dispute, just that the merchant refused to give a credit. I am completely confused by this process ; how disputing a credit card charge became just the card issuer asking the merchant if they want to give a credit or not?!
Product: Student loan

Made a XXXX $ payment on XX/XX/year>2024. The payment reversed for no reason, I did not notice at the time. Then tried to pay off the student loan in full which was {$3700.00} on XX/XX/XXXX, 2024. the bank advised it would process for a few business days then go through. When looking at my student loan history it had a payment reversal on both payments I made on the days I made them. I called and was on hold for hours until the call was just ended. This is absolutely ridiculous and unacceptable, these loans collect interest and I was trying to pay in full so it could be done and paid. Getting ahold of anyone is impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I had a late payment on a XXXXXXXX XXXX XXXX XXXX because I was sick with XXXX  I contacted the company because a late payment was put on to my credit report the company said that they would do a Goodwill adjustment and that they would adjust the late payment in their system as well as with the credit bureaus so that it would not hurt my credit since then they sent me a letter saying that they would do so but they did not to this date they have not I have contacted them several times and each time I got the news saying that they had already corrected it in their system and they had already sent the information to the credit bureaus after contacting the credit bureau several time and putting in disputes they kept coming back saying that the company was still reporting the payment as late after contacting the company yet several times again kept getting the same story that it was the credit bureaus that were lying and had not corrected the file as of this morning I find out that XXXXXXXX XXXX did not do what they said they would do in the letter and are not willing to after all this time I have been a customer of their since XXXX and have never missed a payment they had agreed to this and now they're going back on what they agreed to I have a letter stating such and after contacting them yet again this morning I got a very rude supervisor who pretty much yelled at me and raised his voice and told me they had no plans on doing anything and that he spoke for the whole company XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Recently, I became aware of an unrecognized charge to my PayPal account from XXXX XXXX XXXX XXXX for {$9.00}. I disputed the charge and was informed that it was initiated by an authorized user of my account. Upon checking it out, I learned that it was not authorized by the person XXXX claimed to have initiated the transaction, and the authorized user of my PayPal account has attempted to dispute the charge with XXXX directly as well. XXXX offered a credit in the amount charged. However, XXXX refused to acknowledge the transaction dispute and even went so far as to confirm the validity of the charge with XXXXayPal previously without making any legitimate confirmation. In doing so, PayPal has ceased to investigate my dispute claim and has left me with no other recourse. It is {$9.00} in question, and the nature of the transaction stems from fraudulent activity and poor oversight. Both companies, PayPal and XXXX, have failed to take proper action and accountability. This is of great concern. Continued abusive practices like this may lead to millions or more dollars being generated from unsuspecting consumers by large companies alike via erroneous subscriptions and fraudulent unauthorized transactions. Your assistance in resolving this matter would be greatly appreciated. 

XXXX XXXX ID : XXXX Amount : {$9.00} Date : XX/XX/2023 2023
Product: Vehicle loan or lease

I've already forwarded this to the New York Attorney General 's Office. 

* Loan is paid off. 

XXXX Attorney General, Regarding your lawsuit against Credit Acceptance Corporation, I bought a XXXX XXXX XXXX XXXX XXXX XXXXXXXX from XXXX XXXX in XXXX, LA on or about XX/XX/XXXX. VIN # XXXX. Credit Acceptance Corp was my lender. The vehicle 's sticker price was around {$17000.00}. I gave the used car dealership ( XXXX XXXX ) approximately {$10000.00} for a down payment, as I didn't want to pay for the vehicle for too long. By the time the paperwork was drawn up, said used car dealership had informed me that XXXX had added a substantial amount to the principal balance and that they, the used car dealership, couldn't do anything about it. After giving said dealership {$10000.00} for a down payment on {$17000.00}, the principle balance of the vehicle had ballooned to a whopping approximate amount of {$20000.00}. 

" The vehicle motor just went out in XXXX XXXX. And I am currently without transportation right now. '' Credit Acceptance Corporation Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am a victim of identity theft. Due to the Corona Virus PandemiXXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Product: Mortgage

Never once missed/been late on a mortgage payment. I contact 5/3 Mortgage ( my mortgage lender ) notifying them of a job transition that was going to leave me without a paycheck for about 5 weeks. I asked for a two week extension on my mortgage, of which they said that would not be a problem. My mortgage was promptly paid two weeks later. After that two week extension I have remained current on my mortgage like I always have. Turns out - they reported me to all XXXX credit bureaus as delinquent. I called and asked for a request for correction, to which 5/3 issued a denial letter stating that it was reported accurately. My attempt to speak with a human in the Mortgage Dispute department have been violently sequestered, providing me only with a fax number. My new job is in a new city - now with this on my credit I ca n't qualify for a loan on the house we have been looking at.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 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 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 Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Product: Mortgage

I started a home mortgage with Wells Fargo in XXXX when I needed to pay off a home equity line of credit for XXXX and they can not give me documentation of my my mortgage started at XXXX. After making almost 20 years of payments and a mortgage statement dated XX/XX/XXXX for the amount of {$140000.00} When I finally sold the house on XX/XX/XXXX, I owed supposedly {$150000.00}. 
I have been trying to contact Wells Fargo since XXXX and Ive spoken to at least a dozen specialist that can not give me answers on why my original mortgage started out at {$170000.00} XXXX contacted the title company and first they said that there was cash given out to me at the time of closing, which is totally false, and I know for a fact that the title company does not give out cash when refinancing. 
Please contact me on my cell phone XXXX if you need any help or further information. 
Respectfully, XXXX I had the loan almost 20 years with Wells Fargo. 
Around XX/XX/XXXX I was facing forclosure after being told by Wells Fargo that I would qualify for XXXX of their repayment plans because of the coronavirus, but was forced to sell my property to satisfy the loan that was very fishy & included over {$56000.00} worth of payments which I paid through my bankruptcy in XXXX. 
I honestly believe that they took a vantage of me and I was charged over {$50000.00} in additional mortgage principal
Product: Mortgage

I am in the process of refinancing and the Mortgage Company will not release the payoff info to the Title Company. The Title Company has been requesting the info since XXXX. They followed up once and then reached out to me for assistance. This is the second problem I have had with this company, ref complaint # XXXX. I have missed XXXX deadlines to conform with a court order due to errors and delays on the mortgage company 's behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to get my free annual credit report from the bureaus but they refuse to issue me one because i d'ont live at the address on my licence.please help in concerning this matter cause i need to know any negative items on my credit report.
Product: Credit reporting or other personal consumer reports

This is my second endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX