23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started to refinance my mortgage on XXXX/XXXX/XXXX and are one condition away from closing my loan. However, my bank and I are being denied a payoff from my current servicer. 

My new bank and I have been asking for the payoff for approximately over one month. The past two weeks ( XXXX to XXXX XXXX, we have been calling every other day to get the status of the payoff request and keep getting the " run-around ''. No one seems to be able to resolve the issue or provide CLEAR reasoning why I ca n't obtain a payoff. " it has something to do with my discharged chapter XXXX bankruptcy '', they keep telling me. I was discharged from ChapteXXXX XXXX BK in XXXX, XXXX and this servicer has still been unable to provide a payoff. I have made all my payments on time in the last 24 months and the payment history has been verified with a data agency. 

At one point, in XXXX, XXXX, I was told everything was fine. Later that week, I was notified the information given to me initially, was incorrect. Furthermore, my new bank has been able to update my mortgage and report the current balance on my credit report ... yet ... the servicer will not provide a payoff!?!?! 

I am extremely frustrated with this servicer and from what I have learned/researched, it is illegal to deny a customer a loan payoff. Please help!
Product: Debt collection

They call multiple times a day from different numbers. I have made an arrangement with them for the owed debt yet they call at Least 4 times a day minimum asking for different amounts of money than initial agreed debt that will be paid back
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Experian : XXXXXXXX XXXX  - XXXX XXXX : XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  is saying that I owe {$550.00} for a Dentist bill. I have no outstanding bills with this hospital or   XXXX   XXXX  . This was not me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I have requested that Equifax investigate XXXX XXXX because I don't have an account with them. Their results indicated the account as verified. I spoke with XXXX XXXX   briefly. I then told them that I have never heard of them. They have no Consumer Contract with my valid signature to verify this account. The Customer Service representative told me that they have my social security number as means to verify this account. I have been a victim of Identity Theft. My social security number could easily be obtained from the Dark Web. Equifax is allowing this company to verify my account using my social security number even though I submitted a written request requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the failure provide : request for information, verification of information : inability to verify information. Thus of fraud. information should of been certified-verfied when reported.
Product: Checking or savings account

I have been a customer of Suntrust for 2.5 years. I have worked for the XXXX XXXX for 28 years. Since having my checking account with Suntrust I have always deposited my payroll check either through the ATM or via mobile banking. The funds were always available the next business day. The last two paychecks have been held for long periods of time and nothing about the check itself has been changed. It is still a payroll check and not having access to the funds resulted in additional fees and bills going unpaid. I contacted the bank several times to be told there was nothing that could be done.
Product: Payday loan, title loan, or personal loan

I was told I had to pay a debt of {$500.00} on a payday loan the took my paystub vehicle registration. Shortly after I was informed because I was advertised to that it was a payday loan not vehicle registration loan the speedy cash where I regularly cash my payroll checks lied and I was informed by an attorney not to pay and dispute in court ( XXXX ). I received now 4-5years later a garnishment notice from my employer for 7 times the amount via a debt attorney. I was never served with a ceritificate of service in any form that I needed to appear. The amount 7 times more they garnished me for is XXXX cents. I was lied to decieved and have XXXX dollars taken from my payroll check 2 weeks before my XXXX young childrens expected XX/XX/XXXX
Product: Debt collection

I called Enhanced Recovery Company number and waited for 45 minutes then I was transferred to a recording. I paid XXXX in their store in XXXX several years ago. I this collection agency called again to obtain the account number so that I can write a XXXX letter and I got the runaround being transferred. My complaint is this company maybe trying to collect for a debt i paid several years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been closed and charged off since XXXX. They illegally re-aged my account and have been inaccurately reporting this account. They have also refused to delete as a result of the inaccuracies. Instead, they are updating an account when it should be deleted. The open dates are wrong. They reported " payments or OK '' status in XX/XX/XXXX and XX/XX/XXXX when no payments or contact was made. The last reported dates are inconsistent and inaccurate. The high credit balance is inconsistent and inaccurate. As a result, this has re-aged the account to benefit the credit grantor for the charge-off statute of limitations. These are major violations of the FCRA and I respectfully request that this account is deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There in accurate information reporting on all three bureaus. The balance of an auto loan was not consistent
Product: Payday loan, title loan, or personal loan

I obtained a " your tuition solution '' credit line to fund my daughters XXXX XXXX XXXX with XXXX. 

The bank that provided the line of credit in in the amount of {$2700.00} is Comenity Bank under a program - " Comenity Your Tuition Solution ''. Account Number - XXXX. 

The credit line, effective in XX/XX/XXXX, was a XXXX interest loan provided that I paid a monthly minimum amount and paid off the loan by XX/XX/XXXX. 

I discovered in XX/XX/XXXX that ( i ) every month, I paid Comenity Bank at least twice ( for most months, 3 times ) the minimum due each month, and ( ii ) Comenity Bank charged a late fee for most months in the total amount ( plus interest ) of {$250.00}. I discovered that even though I paid 363 % of the required minimum for 12 months, XXXX kept charging a monthly " late fee ''. 

XXXX  claims that, even though I paid 2/3 times more than was required each month, they had to charge late fee because they received my funds late. My records ( see Exh ) show that my bank ( XXXX ) debited my account on XXXX of each month in vast majority of cases, which was 5 days earlier than the Comenity due date of XXXX. My records also show that certain payments made within 3 days, 4 days, or 5days ( e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX of XXXX 's XXXX deadline were received on time. PLEASE EXHIBIT. Comenity Bank has failed to explain why certain payments made within 3/4/5 days were timely while other payments made within 3/4/5 days were late and deserving of late fees. I have informed XXXX that the only logical explanation is that they ( Comenity ) experience Operational challenges and I should not be penalized for that. 

Upon raising this issue with XXXX in XXXX, they reversed the inappropriate " late fee '' charge for XXXX but have refused to reverse the charges for the other months.
Product: Credit reporting or other personal consumer reports

I noticed on XX/XX/year>, XXXX XXXX XXXXXXXX XXXX XXXX reported a collection under my name which was a violation of Fair Credit Act 15USC1681B. This account does not belong to me. 



Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Mortgage

On XXXX I telephoned the loan servicer on my mortgage loan Mr. Cooper AT XXXX to ask for Financial Assistance to stop the foreclosure on my home. I asked for financial assistance and asked what I could do to stop the foreclosure. I asked if I could get a loan modification or forbearance. At first I was told that I could be sent a loan modification application and then as the call proceeded I was told that a loan modification or forbearance was not allowed by the holder of the Note because I have a FHA mortgage and that Mr Cooper only services the loan. I do not understand why I can not get Financial Assistance because I have a FHA mortgage. This information was provided by a Loss Mitigation Department employee XXXX who stated she was not required to give me her last name when I asked for it. I have a FHA mortgage and owe a little over $ XXXX on my balance. I am self employed and I have a financial hardship and need assistance to save my home from foreclosure. I want to save my home that I have lived at and been paying on for 34 years. I have paid on my home since XXXX and have a financial hardship. I need help and Mr Cooper offered me no resolution or options to provide me with any sort of financial assistance. I need the holder of the note to provide me with some sort of financial assistance to save my home. My interest rate is extremely high over 9 percent and the mortgage rates are lower than that. I really need help to save my home. Mr , Cooper says the only way I can stop foreclosure is to pay the full reinstatement amount which is over {$2600.00} and that they could not provide the exact dollar amount and would have to order the exact reinstatement amount and it would have to be paid within 24 hours. How is this any help? I can not pay that amount and need financial assistance to save my home. I feel as if they want to take my home rather than provide me any type of resolution or assistance to stop foreclosure and let me pay a reduced amount to save my home. Both the HUD website and Mr Cooper website claim they can help offer financial assistance to their customers if they have a hardship but they will not help me by reducing my loan payments and interest rate or do a loan modification or forbearance to save my home. Who can help me save my home since Mr. Cooper will not assist me with a resolution other than to pay an amount I can not afford.
Product: Prepaid card

XXXX and XXXX was opened back on XX/XX/XXXX. company asked for the most WEIRED thin I've ever heard. i have already provided all the information needed and still never send me any replacements or refund. Why you keep asking to resend my ID while i have already done that PLUS everything is notarized. Contact the police department or notarization company if you want, THIS IS NOT MY JOB AT THE FIRST PLACE
Product: Credit card

I have applied for American Express XXXX card in XXXX of this year. There was an attached bonus of XXXX Membership rewards points after spending {$3000.00} in 3 months. I fulfilled the requirements and did n't break any rules. In XXXX I converted it to Amex XXXX card, with lower annual fee. 
There was no stipulation to keep Amex Platinum open for a certain amount of time. Unfortunately, American Express took my bonus XXXX points anyway. When I called them, they said they felt like I 've abused the program ( their words ). 
When I contacted them to convert the card, at no point did the representative let me know that I 'm risking my points. In fact, he told me that I will keep my points. 
I did n't violate any rules, and there was nothing in the contract to prevent me from converting the card. They also charged me an annual fee of {$450.00} upfront, though they did refund me a portion of it. Still, I paid several hundred dollars and got nothing to show for it. I hope you can help me. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a fraudulent account was opened under my name for installment loan through Acima Credit. The loan was for {$2800.00} with monthly payments of {$230.00}. On XX/XX/XXXX I received a negative alert on my credit report stating that XXXX payments have been missed. 

On XX/XX/XXXX I called Acima Credit to dispute the account and they were little to no help. They told me that they require a police report to go any further with it. 

I have placed credit freezes on my credit through all XXXX  credit bureaus. 

Acima Credit Fka Simpl XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am writing to get some help in regards to my credit report, there are some inaccurate and fraudulent account on my report, i have disputed these several times with each bureau and I haven't been able to get back a response from any of the 3 bureaus XXXX, EQUIFAX AND XXXX, please help as this is affecting me significantly.
Product: Debt collection

I had originally filed a complaint for a debt on my credit report from a creditor ( National Credit System Inc ) A/C # XXXXThe debt collector didnt verify the debt he didnt know who the original creditor was, I also asked four ( 4 ) questions to validate the debt since I never did any business with ( National Credit System Inc ), my questions werent answered he became very aggressive and ended the call. After that experience I did my own research and according to XXXX XXXX XXXX and Florida Office Of Financial Regulation this creditor is not authorized to collect any debt in the state of Florida. Please see attachments below
Product: Debt collection

I see a collection on my credit report for {$150.00} from Credence Resource Mana. I am a victim of identity theft and this debt is not mine. I need this deleted from my credit report immediately. I have included my FTC Identity Theft report which list Credence Resource Mana.Thanks for your assistance.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I went to an emergency on XXXX/XXXX/2016 to XXXX hospital ( XXXX PA ) XXXX XXXX, XXXX XXXX, Ca n't XXXX After a month I started to receiving the bills I have paid all the bills and the situation was over.
A month ago a collection agency is calling me for a medical debt ( I though it was a scam ) I call the hospital, many many many times, and noone has an explanation for me about that debt. They said you dont owe anything.
I did a research and collection agency is true, its real, there is no scam I went to the XXXX hospital today in person, after insist with diferent departments and diferent people ( back to back calls ) They told me that for the emergency attendance I should recieve 3 diferent bills, from 3 diferent companies. 1 ) XXXX 2 ) XXXX- XXXX XXXX 3 ) XXXX the doctors I only recieved 1 and 2 bills. Bill 3 ( the doctors ) I never recieved a bill from them, a call from them e- mail from them, nothing at all.
I call them And they said, yes you owed money but, because we could n't reach you, we send you to collections, fresh and simple as that.
Someone made a mistake when the put my information, someone did something wrong. I still do not understand how 1 XXXX and 2 XXXX send me the bill without any problem and XXXX XXXX XXXX did n't found me, its a mystery.
I am totally ignorant on the medical field and how they proces a bill through diferent companies. And because of that I am in a collection agency.
To finish this complaint I want to mention that, the day that I XXXX XXXX XXXX, after hours at the hospital the doctor told me, you do n't have anything just put some Ice on it. But thats another story ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Isent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit card or prepaid card

I have a credit card with Comenity Bank for XXXX XXXX XXXX XXXX. For the past 5+ months, it has been declined. I have {$0.00} balance. I added an authorized user in XXXX of 2021 & the bank removed this person without my knowledge. When the bank did this, they closed my card for whatever reason. Ive called 6 different times & spent more than 30 minutes on the phone with them each time. The first few times I called, they could not tell me why it was being declined. The next times I called, they said it was a system glitch & were working to get it resolved. It has been months & I still am not able to use this card. Id close it if it would not affect my credit. They dont have a timetable of when this issue will be resolved. On top of that, they have not reported my balance since XXXX to the credit bureau.
Product: Bank account or service

I authorized a payment on XXXX/XXXX/15 for {$550.00} to XXXX using XXXX Pay from my Bank of America Savings account. I also took {$60.00} out of the ATM on XXXX/XXXX/15. On XXXX/XXXX/15 Bank of America took out {$540.00} and applied it to my personal checking account without my consent and returned my rent payment as insufficient and applied a {$35.00} overdraft fee to my account resulting in a negative account balance of {$10.00}. I am attaching a copy of my rent statement showing the authorization made on XXXX/XXXX/15 for my rent and the ATM receipt for the {$60.00} I withdrew from the ATM.
Product: Mortgage

I applied for a refinance with Freedom Mortgage. They received my application and they sent me some documents out for me to review and sign and return, which was done. They received another email saying they received it and needed another document showing whats called a subordination from XXXX XXXX XXXX XXXX. Then they informed me they were awaiting the subordination package from XXXX XXXX XXXX XXXX which was XXXX 2016. Freedom Mortgage continued to send me emails saying that they were waiting on the subordination from the XXXX XXXX XXXX XXXX. The last email I received from them was in late XXXX. They said they were still awaiting subordination from XXXX XXXX XXXX XXXX. Having concern about it, I called the XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX informed me they were not in receipt of the subordination and that was in late XXXX. I provided a contact phone number to XXXX XXXX XXXX XXXX for Freedom Mortgage. The XXXX XXXX XXXX XXXX informed me that due to my request and the situation at hand or words to that effect that they would contact Freedom Mortgage on submitting a subordination request. It was late XXXX that XXXX XXXX XXXX XXXX informed me they would send out the request. The XXXX XXXX XXXX XXXX contacted me to let me know that they were in receipt of the subordination request from Freedom Mortgage. XXXX XXXX XXXX XXXX further informed me that they would expedite it on my behalf. The XXXX XXXX XXXX XXXX called me to inform me that they finally received the subordination request. Approximately 2 days later, the XXXX XXXX XXXX XXXX stated that they received it and had a few questions of me. I proceeded to answer the questions and XXXX XXXX XXXX XXXX they would expedite and submit it to Freedom Mortgage. My question is why did they tell me they would submit a request in early XXXX, and did not actually submit it until late XXXX, after I called. Freedom Mortgage informed me through telephone call and some kind of post-it note I received on my door, I was authorized to miss XXXX mortgage payments, which Freedom Mortgage denied later. I sent copies of the notice I received on my front door. So I been getting the emails constantly that they found some errors in the subordination, but those errors were not on my part. Then they emailed me again saying errors had been corrected and they were going to forward it for approval to the title company and this was going on for XXXX3 weeks. Now we into XXXX and they keep saying that theyre awaiting on the approval from the title company which I believe was another prolonged setback on closing my refinance. In XXXX of 2016 I received an email from Freedom Mortgage informing me an account must be current in order to close. Due to the prolonged delays and setbacks, I missed XXXX and XXXX payment due to this setback which resulted in Freedom Mortgage that they were going to withdraw their refinance request. And I was appalled at their actions because of the prolonged setbacks.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 USC 1681. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX XXXX  ) Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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.