23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We ask for a modification starting XXXX XXXX, due to our loan payment going from XXXX to XXXX. We had did a modification XXXX we were suppose to have a fix rate. We was upside down in our loan XXXX and the value at the time was XXXX. We started the process of a loan modification. Due to XXXX she had gotten worse and I was XXXX. I do the communication with RCS. I was recovering it delayed the process until XXXX XXXX. RCS and I communicate back and forward about the loan modification. My point of contact person XXXX XXXX assured me that there was nothing to worry about do n't send in any payments because they was processing the loan modification. I have a letter documenting the whole process. I will upload. I received a letter from there attorney office stating they was foreclosing on our home. The sale date is XXXX/XXXX/XXXX Thank You, XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to Transunion asking for information about accounts on my credit report Im not familiar with. 
I asked Transunion to kindly please advise me as to the correct name and current address of the creditors, the name of the account holder, and the reported date of first delinquency for these accounts as any account I might have had at one time would be obsolete. 
I also asked Transunion If they can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
My request was completely ignored, and Transunion showed no regard for my concerns by just sending me a generic response to my request claiming the accounts were verified. Check attached Transunion response sent to me on XX/XX/2018 file number XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability apply for Job opportunities to take care of my family. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below since you ignored my request and refuse to properly verify defaming accounts on my credit file. 
Show me the contracts and method of verification or delete these accounts immediately. 
Please also remove your fraud alert from my credit file. I did not ask for one. 
Creditor : XXXX Account Number : XXXX Creditor : XXXX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX   XXXX XXXX  Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I lived at XXXX XXXX XXXX XXXX in XXXX, GA from XXXX - XXXX. I signed a XXXX lease. Unfortunately, out of the blue my mother passed away. Then, a month later my father passed away. As a result, I inquired with the leasing office about subletting or subleasing my unit. I had to pay for XXXX unexpected funerals ( out of pocket ) around XX/XX/XXXX and XX/XX/XXXX. I knew I couldn't afford the rent and burial arrangements for both parents. Through numerous conversations with the leasing office, we couldn't come to an agreement. So, I moved out at the end of XX/XX/XXXX. As a result, I received an astronomically high invoice of $ XXXX. In the midst of me moving, the apartments locked my smart lock where I couldn't enter the unit and charged me for cleanup. Mind you, I tried to enter the unit on the last day to clean up myself but couldn't get in due to an illegal lock out. This resulted in the staff taking hundreds of dollars in food and a few personal items I left to take at the last minute. A few months later, I received an invoice for {$5700.00}, which is now $ XXXX with additional fees. I sought legal advice for a settlement. Hunter Warfield XXXX XXXX XXXX legal company ) placed the debt on my credit and now I can't rent an apartment, nor buy a house. This debt has done major harm to my credit and my personal life.
Product: Credit card or prepaid card

ive spoken with this company about learning my report day because I was wondering why they reported a high balance I was told make a payment on XX/XX/23 because they report on XX/XX/23 and I made my payment on XX/XX/23 for XX/XX/23 as I was told the XXXX is my reporting day. today which is the XXXX on XXXX I see the same high balance reported to my credit I called about on the XXXX and now is being toldbthat my report day was the XXXX and all they can say is sorry and wait 30 days for a new report. this is giving me a life hardship on my goals and leveling up my credit ive been a responsible consumer this company I hold me back with my credit and lie journey with there lies under 15 U.S.C 1611 - criminal liability for willful and knowingly violation I was lied to by this company while they prayed on my finances to get a payment out of me and currently being penalized by my credit bureaus for having a high balance.
Product: Debt collection

Direct Recovery Services calls multiple times before XXXX local time ( Pacific Time ).

One example is XX/XX/XXXX at XXXX as logged by XXXX XXXX . 

Transcript from XXXX XXXX. 

( XXXX ) XXXX XX/XX/XXXX, XXXX XXXX XXXX and we do need to speak with you as soon as you are able to we will be available to take your call today and we are open until XXXX XXXX The phone number is XXXX. Again, this is an important message from the IRS and it would behoove you to call before we are asked to see XXXX XXXX communication. XXXX This is an attempt to collect a debt. Any information will only be used for that purpose. Please call or have your attorney to sell. Payments can be made online at w w w dot direct Recovery Services. Calm under the pay height. You will need your account number and zip code. Your account number is XXXX XXXX. And your ZIP code is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times about correcting an error on my credit report concerning a loan that I had with XXXX. I paid this loan off on XX/XX/XXXX. Both XXXX and XXXX show the loan has being paid in full. Transunion refuses to correct this. I have contacted them with the help of an attorney in XX/XX/XXXX/XX/XX/XXXX and they still have not updated the balance to reflect as {$0.00}. I submitted to them the letter showing the loan being paid in full. This is extremely frustrating. I would like my credit report updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX took over the loan on XX/XX/XXXX, my account wasn't behind. They sent a welcoming letter sayin to begin making payments. They were aware of the balloon payment. They were also aware of my XXXX XXXX XXXX 's death. They received payments until XX/XX/XXXX and the ending balance then was {$28000.00}. XXXX was asked about a payment history repeatedly ( as was XXXX ). Once asked, Rushmore began foreclosure procedures. That's when a XXXX XXXX XXXX took over. After the foreclosure was stopped, XXXX XXXX and I went to court. Judge XXXX advised XXXX and XXXX to get with their clients and see who the rightful servicer of the loan was. After court, Rushmore sent a letter dated XX/XX/XXXX saying that they wowuld get back with us regarding the rightful services. We didn't hear back from them until XX/XX/XXXX, saying that XXXX XXXX was the servicer of the loan. XXXX XXXX are the same ones that purchased at foreclosure after XXXX said that they bought it at foreclosure. They were contradicting each other as to who was the servicer, but I had been making payments to XXXX. 
When any inquiries were made, the constantly continued to change not only attorneys but also contact information for them. They continued to put the case off. 
Their new attorney, XXXX XXXX XXXX, in not including pertinent documentation relevant to this case. 
Such as my payment history and the agreement for me to continue making payments despite the balloon payment. At no point was a I given a mediator or allowed a redemption period. 

I've been an occupant for 20 years. Not only was I an occupant, I had a Deed plus I had special dual power of attorney. I had an ownership card in the property assessor 's office and making payments on the loan # XXXX with XXXX & XXXX. As both companies agreed with me to pay off the loan. 

They are changing attorneys so fast and selling my loan to the point that it is nearly impossible for me to keep up with the filings. I have constantly checked the court house records because I haven't been receiving information on a timely manner. For example, I had to purchase the recent court document on XX/XX/XXXX from the courthouse and a week later I received the original in the mail. 

I am asking them to provide a run down on were my money was going because I've been paying on the principal and interest. 

I tried paying off sooner with a new loan but I was never given a payoff and the longer I inquired the longer it took for them to respond.
Product: Credit card

USAA Federal Savings Bank, at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, will not accept my negotiable instruments and securities, or use my applications as tender of payment for my credit card or auto insurance policy. As a member of the Federal reserve system, USAA has access to the Federal reserve window to withdraw Federal reserve notes using my negotiable instruments and applications. USAA does not return my financial instruments that I have added value to, or my securities. 

USAA violates the FDCPA by creating false and misleading statements to make it appear that I owe them payments, when actually the statements are for dividends the bank owes me as an undisclosed investor. However, they provide no direction on how I may register transfer my securities through their direct holding system to start receiving payments as the entitlement holder. I removed USAA 's security interest in my accounts in XXXX. 

In XXXX I opted out of authorizing USAA to report consumer credit transactions between myself and USAA. When I viewed my consumer credit reports in XXXX my nonpublic personal information was still being reported. USAA also reports my banking transactions to XXXX XXXX XXXX. I have never filled out any Form SSA-89 to have my principal 's SSN released. These are violations of the FCRA. 

I have also concluded that in XXXX a USAA employee made a friendly phone call to me to deceptively create a verbal contract that I had no intention of entering into. 

List of registered/certified mailings of tenders to USAA Federal Savings Bank XXXX XXXX Rescission of security interest and tender received by USAA on XXXX XXXX ( all years XXXX  ) XXXX Tender received by USAA on XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX XXXX Opportunity to cure received by USAA XXXX XXXX XXXX XXXX XXXX Default received by USAA XXXX XXXX XXXX XXXX XXXX Tender received by USAA XXXX XXXX XXXX XXXX
Product: Credit card

I was charged a late payment, when in fact they were late 6 times trying to pull from my account.They owe for accessing my account, 6 times late from the date I requested for payment.They attempted 7 days later on one attempt, which seems to be manipulating late payments by not drawing on time to cause a late fee.Ive heard this from hundreds of customers on their tactics that they are using to cause late payments, because most people will try and close this account from this horrific company.They have some type of identifier, which seems to target subprime consumers with late payments .None of my other accounts are late, and there is no issue with payments within 24hrs.The amount is owed is only for annual fee.I requested that this account closed if they couldn't process the payments timely .I feel they have targeted me and other consumers for late payments.I will give them what they say I owe for annual fee, and proceed with legal actions against this Company.I want nothing to do with them.
Product: Checking or savings account

I am writing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my student loan accounts that had late payments were disputed and a response was given of updated. No changes were made or verified. I contacted Nelnet who advised me they are not showing me as late and can not see before XX/XX/XXXX and that I needed to contact XXXX student aid. I contacted XXXX with XXXX student aid on XX/XX/XXXX who advised Nelnet should have the history of my loan and to give them a call back. I have spoken to XXXX from Nelnet who advised she can not view this information and I would need to contact my previous loan company. This company was XXXXXXXX XXXX XXXX  who no longer services or can be contacted. I have never been late on any loan and they have always been in deferment. Please update or remove the accounts if unable to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these inquiries section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please kindly check the FTC REPORT I ATTACHED
Product: Credit card or prepaid card

I called Capital One to advise them I was going XXXX  and would be using my credit card. They said, " It is no longer necessary to alert us to foreign travel '' but assured me the card would work anywhere in XXXX. I used the card a few times to make small purchases at the airport in XXXX and to pay for the taxi from the airport to our hotel and there was no problem. However, at the hotel, when I proceeded to pay my bill, the card was rejected. I had to pay with an alternate card with a high international transaction fee ( Capital One does not have this fee ). 

I called Capital One to try to resolve the problem, but they refused and said I would have to upload documentation, some of which I didn't have available overseas. They claimed I was using the card fraudulently even though I was using it to pay my hotel, taxi fare, and other usual expenses when on foreign travel. I was in XXXX for XXXX full weeks, and I was on the phone with them and sent whatever documents I could, and they still refused to reactivate the card. The customer service representatives were very rude, and indifferent and did not try to resolve the problem. When I asked the matter to be elevated, they refused to let me speak with a supervisor. 

After I arrived back in the United States, I sent the remaining documentation they requested. Still, after several days, the card is still not working, and they said they could close the account. That is all they have to offer. 

Blocking my account the day I arrived in XXXX caused a great deal of pain for me and my family. We've had to use expensive ATMs and alternate fee-based credit cards, and this has increased our expenses. Their refusal to remove the block on the card is beyond reason and this is why I am contacting you. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that the company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumer 's report as debt.
Product: Prepaid card

In late XX/XX/XXXX, I redeemed XXXX  points with an incentive program and received XXXX ( XXXX ) American Express Reward Cards ( Virtual Cards ), each with a value of XXXX XXXX dollars ( {$100.00} ). The directions on the card state that they may be used for " online, telephone and mail order purchase. '' I have tried no fewer than 20 times to use these cards at a variety of vendors including national stores such as XXXX XXXX, and XXXX, and online at other local stores. Each time, the card is declined. I am very specific in trying to place only {$100.00} on each card. 

I have called the customer service number on the card ( XXXX ) which is American Express Prepaid Customer Care at an overseas call center. I have sought assistance on approximately 8 occasions and I am told a variety of things : that the card has value ; that I should try another merchant ; that the card works. After failed attempts to charge {$100.00}, I call the customer service number to complain and get assistance. Sometimes they tell me that a {$0.00} hold is on the card that that is why my charge of {$100.00} does not work. Thereafter, I try to charge a lesser amount, and that also does not work.

I have spent man, many hours on the phone with Customer service at American Express Prepaid Customer Care and routinely my call is dropped after being on hold or transferred to a supervisor. I have a case # for my difficulties : XXXX XXXX. To date, customer care continues to tell me the cards work, but they are not accepted by any vendors online, via telephone. 

I want the value of the cards, which have an expiration date of XX/XX/XXXX.
Product: Debt collection

XX/XX/XXXX I sent in a dispute letter to American Express and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to American Express regarding a collection/charge-off that was opened in XXXX. My account has 5 inaccuracies. It is well over 30 days again and the account still has 5 accuracies and nothing has been updated or removed.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these items still persist on my record. As we enter the tenth attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I place a cease an desist for all phone calls on my account with then Green Tree Servicing, the company has since been changed/sold to Ditech Financial LLC. My account was not sold so the cease and desist remains. I have written documentation of submitting this cease on XX/XX/XXXX through Green Tree 's website and confirmation that the message was sent successfully. I also have a copy of the message that was sent. Today, XX/XX/XXXX @ XXXX XXXX, XXXX ( employee # XXXX ) contacted my on my cell phone # ending in XXXX. I advised her I have a cease on all calls and she tried to tell me this was not documented other than for my work phone #. This is incorrect. I let her know I would be filing a complaint and disconnected the call.
Product: Credit reporting or other personal consumer reports

I have disputed fraudulent inquiries and accounts with Equifax XXXX times on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX they have not removed the fraudulent entries nor have they provided me with verifying information they have refused to investigate the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an accoout from XXXX XXXX XXXX XXXX XXXX