23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage that originated XX/XX/2020. I secured property insurance through my carrier of choice - XXXX XXXX, which I quoted on XX/XX/2020, and XXXX has billed my escrow account at XXXX Mortgage for the premium on XX/XX/2020, XX/XX/2020, and XX/XX/2020. That bill is still unpaid, and I have a notice of pending cancellation effective XX/XX/2020 from XXXX. I had to resort to paying XXXX out of my own pocket and XXXX should receive the money on XX/XX/2020. 

Another insurance company wrote a policy for our property, which I was not aware of and Envoy paid this random company instead. I was unaware any of this was going on with this random company until early XXXX, when I received the notice of non-payment from XXXX. I managed to get a refund from this random insurance company sent to me, which I promptly sent to Envoy to apply to my escrow account so that they could pay my true insurance company XXXX. I did not know anything was amiss because this other insurance company never sent me any paperwork. 

I have tried multiple times to call Envoy at XXXX. I apologize, I do not have dates. But I have spent many hours on hold at that number, only to have their system hang up on me every single time. One time, I did hear what sounded like voices in the background but nobody picked up. I wrote to them in their online portal on these dates : XX/XX/2020, XX/XX/2020, and XX/XX/2020. I provided my phone number and email address to contact me. I have not received a single response other than a confirmation email stating that they have received my request. 

I do not have any documentation from Envoy other than the confirmation emails as they have been 100 % unresponsive with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the high credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. There are also discrepancies in the date the account was last active ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Furthermore, XXXX, XXXX isn't reporting what type of account is. How can you report an account on my credit profile but fail to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX -Balance {$480.00} - Date Opened XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX XXXX, 2023 XXXX XXXX XXXX XXXX - Date Opened XXXX XXXX, 2023 Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number is XXXX XXXX XXXX XXXX, I started to build a house with XXXX XXXX. They could not do my loan because my business was just recently opened, so they referred me to XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got XXXX XXXX as my loan officer. In XXXX XXXX XXXX, once interest rate started going up, I decided to lock my rate, I put down ~ {$5400.00} as a deposit for lock rate extension. Fast forward, last month, XXXX XXXX started to collect my documents to get ready for the closing date on XXXX. He asked for 2 months bank statements, the last rental statement ( the house was rented out in XXXX ), and profit and loss statement from my business. He also gave me options for interest rate of 5.75 % ( which I was locked for ) and 6.5 %. At the time, I was already got approved from Home Owner Financial Group. 1 week after XXXX looked at all my documents, his concern was about my last rental payment of {$1900.00} ( it was {$3300.00} before ). He was worried about the high debt ratio that would affect my approval to the loan. On the other hand, he kept pushing me to pay for the appraisal. I got so confused, I wrote an email asking if my rental will affect my approval to the loan, and if he can send me decline letter. He called my next day and telling me that he will not give me the decline letter and I am approved regardless my high debt ratio. He was so rude and unprofessional, I told him I would not want to pay for the appraisal on a situation like this ; what if I would not get approved by the under writer and loosing my appraisal money. He told me to send in a new lease agreement which I do not have since I have no tenants at the moment. All he cares about is to move forward with my loan and put me to a situation where I can not get my deposit back and loosing my appraisal. On the other hand, he never sent the loan estimate which I kept asking for 3 times ( XXXX time via email, 2 times via phone calls ) He only provided emails in which some of fees included. This is totally against the law, not to mention about giving approval without taking a look at my file after knowing my tenants broke rental contracts. This is totally a FRAUD and SCAM. Please assist with this situation. I want my deposit of lock rate extension back. They are desperate of making money but not putting heart and professionalism into their work. XXXX even yelled at me in the phone. SO UNPROFESSIONAL, RUDE, AND LACK OF KNOWLEDGE. Never recommend them to anyone.
Product: Credit card or prepaid card

On XX/XX/2021, XXXX XXXX Visa card services were changed to XXXX Barclays Master Card. Theoretically, all credits and debits and other information from a Visa card holder were transferred to the Master Card on that date. In fact, they were not. The regularly scheduled pay date for my Visa account was on the XX/XX/XXXX of each month whereupon it was drawn from XXXX XXXX account automatically on the XX/XX/XXXX. Apparently, because my regularly scheduled pay date occurred on the same date as date of the conversion of Visa card holders to Mastercard holders, it was not effected and recorded. Moreover, a XXXX XXXX product return in the amount of {$10.00} that occurred close to the XX/XX/XXXX was similarly not transferred from my Visa card to my Mastercard.

Because those transactions ( and possibly others? ) were lost in the process of converting from Visa XXXX to Barclays Mastercard, Barclays automatically charged my new Mastercard account a late fee of {$29.00} and a Past Due fee of {$35.00}. When I tried to make a payment of {$5000.00} on my Mastercard account balance of {$6100.00}, the Barclay 's software responded that I could not make a payment for more than I owed.
Product: Mortgage

All happened today, the day this complaint was submitted. I tried submitting this complaint multiple times after calling twice. Disgraceful. 

This complaint is directed toward Ditech Financial LLC, the company that owns my mortgage. I tried reaching out to see about loan modification or forebearance, very temporary until XXXX. 

Background : After reevaluating my finances due to taking a XXXX dollar pay decrease from military orders sending me to Texas and my wife being forced to quit her job, Ive determined I need help with payments until XXXX when Im in a better financial situation ; a forebearance plan came to mind. 


Problem : I contacted your representatives who told me there was nothing they could do due to the fact my loan was owned by XXXX XXXX ; that I would have to be in a delinquent status. I called back shortly thereafter for a second opinion and was put on the line with a specialist. This specialist could not give me a single reason why I couldnt do this, nor was willing or able to provide written documentation as to why I would not be able to go through with a forebearance plan. She simply said no without any written regulation to back it up. Does this not sound ridiculous? Does this not affect credibility with your company?
Product: Credit reporting or other personal consumer reports

I have tried repeatedly to resolve this issue with the credit bureaus and to no avail could not reach a resolution with either bureau. These accounts are not mine and I have never initiated, authorized, or opened these accounts. Please have these accounts removed from credit bureaus.
Product: Mortgage

I was injured at work back in XX/XX/XXXX. I started trying to work with Cross country mortgage in XX/XX/XXXX in regards to loss mitigation and have had trouble with them " not receiving my applications '' I got confirmation XXXX that of was received via email. From XXXX until today ( XXXX ). I have emailed them on XXXX, XXXX, XXXX, and XXXX. I have called them XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Cross country mortgage has not been giving me any information nor updating my account in regards to the loss mitigation process. They had also sent me a letter for acceleration and stated today in the phone call that my loan is now in active foreclosure even though I have been in contact with them and sent in all the documents requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of problems in the past I have placed a fraud alert on my credit report. I have also placed a lock ( not a freeze ) on the 3 major credit reports and a freeze on the 4th one. 

However Comenity continues to show this account as open when in fact it is closed. 

COMENITYBANK/VICTORI Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX PAYS AS AGREED FCRA rules are not being followed If this financial company does not like me because of my ethic background of being XXXX, XXXX and from the XXXX XXXX XXXX then perhaps legal action should take place.
Product: Debt collection

We have sent two letters in the mail one sent in XXXX of XXXX and another on XX/XX/XXXX that was sent with certified mail XXXX XXXX XXXX XXXX XXXX XXXX. We told the debt collector that we have no knowledge of the debt and requested invoices to provide. We also tried to call them on the number listed on their invoice but always got disconnected. This company continues to send us a bill and does respond to our letters.
Product: Credit reporting or other personal consumer reports

My information has been exposed in the data breach and I need this information removed under section 605 ( b ). This should be removed within 4 days.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I initiated my application for Public Service Loan Forgiveness on XX/XX/year>. My previous employer, XXXX XXXX XXXX, verified my employment on XX/XX/year> and that part of my application was processed on XX/XX/year>. 
My current employer, Social Security Administration, verified my employment XX/XX/year>. My employer mailed the verification and I uploaded it to my portal. That part of my application was remained in review well past the estimated timeframe for processing. 
It seemed strange that one part of my application was processed timely but the other part was taking a long time. I called multiple times to check the status and was given generic answers each time, saying they are working as fast as they can in the order the applications were received. No one was actually willing to look at my application to give me individualized assistance. 
I continued checking for updates on my online portal through the next months and my application still said in review. I happened to look at the documents in the completed portion for my previous employer and there was a rejection letter dated XX/XX/year>! I never received this in the mail and only found it by accident on the wrong employer section. 
This rejection letter stated that my application was rejected because it was missing the employer signature. I looked at the uploaded document and there was absolutely an employer signature. I called to resolve this issue and was told that this rejection is a known system issue and was advised to reapply. She said that the system will automatically reject applications for a missing signature when there is a signature. 
I have already been waiting for this application to be processed for 4 months and now I have to reapply and wait again because of a system issue? I have now uploaded this application multiple times, my employer mailed it in XXXX and I have just mailed it again in XXXX. Still hasn't been processed correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

15. USC 1681 Section 602 A. States that I have a right to privacy. 

XXXX -ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # - XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION XXXX # 5341**** 15 USC 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15. USC 1692 CXXXX Without the prior consent of the consumer given direct to the debt collector or the express permission of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15. USC 1681 N. Civil Liability for willful non-compliance. 
Any person who obtains a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.
Product: Credit card

In XXXX, XXXX, I took out a GE Bank Care Credit card, in the early morning in XXXX, PA because I could not afford a veterinarian bill to save my dog after being hit by a car. I filled out a form, and the rest was done over the phone. I never received a card, and believe I have paid this account in full. I feel like there is a lot of interest, when I was led to believe there would be no interest because it was a medical card. They said I could use it for my own medical reasons as well, and that is why there is no interest. 
Today, XXXX XXXX XXXX, I spoke with XXXX ( would not give me last name ) who is a recovery specialist, and was very rude, while I tried to get a record of my payments, and account balance. He told me that since the credit was sold to XXXX XXXX XXXX XXXX, that I had to write a letter to Synchrony bank ( who bought the Care Credit card from GE Money bank ), and they would review it, and determine if they should send me the information I have requested. I tried to get transferred to a legal department, or someone else who could help me, but he refused. He then said he would transfer me, but he did n't " have any control over where the phone call get sent. '' I was then transferred to a line that sounded like a fax machine. This person spoke with a heavy foreign accent which also made it hard to understand him. I felt like I had to repeat myself multiple times for him to understand me as well. 
I remember making a payment and being told I did n't owe any more money in XXXX, and I think it was a {$300.00} payment. 
The debt has again been given to another company by the name of XXXX, and now they are calling me. I was an XXXX member of the XXXX XXXX at the time, and have since been XXXX. I am just trying to make sure I am not getting taken advantage of, as I feel like I already have with the care credit card.
Product: Credit card or prepaid card

I was pre-approved for upgrade inc Visa card and I applied and then I received a error declined message with bunch of weird numbers on the top of my screen its like Im not a allowed to have a credit card at all.. since upgrade has closed my checking account last year for a check deposit that wasnt mines and my account was a takeover by a thief .. and they havent fully closed that checking account .. and I was looking to get a credit card with upgrade since I have a open loan with them over a year ..I applied for credit card on XXXX I was denied again and again it
Product: Money transfer, virtual currency, or money service

At approximately XXXX and XXXX on XX/XX/21 XXXX ( 3 ) unauthorized transactions were made from my Coinbase account from an unauthorized device. Approximately XXXX XXXX and XXXX XXXX were transferred out of my account using and unauthorized device. Immediately after noticing the unauthorized transactions I contacted Coinbase to notify them of the incident and received XXXX # XXXX at approximately XXXX. I tried calling but no one was available to speak and the following day I was able to call but was told that my account was under review and that I would have to wait until my case was reviewed and I would be notified by email. I was able to get access back to my account after several days of failed attempts but I have no received a resolution for my lost crypto currency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Experian to report my correct balance and payment history on two accounts with XXXX. I disputed the inaccurate information and I just received the update on the dispute and Experian states the disputed information will remain the same that the creditor stated the information was accurate. I know for a fact that XXXX reported the balance to Experian as {$0.00} and not the {$820.00} that Experian is reporting. I have attached the letter from XXXX stating this.Experian needs to correct the wrong information.
Product: Credit reporting or other personal consumer reports

Issue # 1 : Experian Accessing my Experian account online. Recently my account was hacked again as when I try to login, the system keeps provided the number XXXX, that has been reported hacked, while in XXXX, NY to the Police department, Experian and the other related services. So I am unable to check my credit report, gain credit increases as this account is the main one use by financial institutions. My contact number is XXXX. 

Issue # 2 : XXXX Account Similarly I can not gain access to my XXXX mobile account. The issue was reported to XXXX several times via phone without proper resolution, the old number is used to confirm or validate this account.

Both accounts numbers were changed by myself more than over a year ago in XX/XX/year>. Thanks in advance for your assistance in getting these issues resolved, your office has been very helpful. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX, XXXX XX/XX/2022
Product: Credit card or prepaid card

In a matter of 3 months XX/XX/XXXX - XX/XX/XXXX Synchrony Bank who handles the following stores credit cards and that I shop at closed my credit cards of the following stores : Old Navy Stein Mart TJ Maxx / XXXX/ XXXX credit card JC Penny Walmart XXXX Based on the credit history they obtained from XXXX XXXX . 

I was rapidly getting the letters of which I have attached. 

The above cards I would only charge around {$200.00} as an average and pay them off with monthly payments. JC Penny I hardly used but in the past charged a large amount but always paid it off in time. The same with Stein Mart and TJ Maxx. 

Closing these account lowered my credit score considerably and at a vulnerable time when I was out of a job but now employed I had a hard time catching up but somehow I managed. Also because at the time of my closing of my townhome the Title company did not incorporate the correct yearly taxes for the home thus increasing my mortgage for one year considerably which was not in the budget. 

I even had a credit card with Synchrony Bank which financed my Air conditioner in XX/XX/XXXX so I do not understand why they started closing other accounts when I was on time with paying their credit card. All the closing of the above accounts lowered my score by 40 points They have considerably ruined my credit for no reason at all. The only balance that I had which was very little was TJ Max and Walmart. The other credits cards when they closed had no balances at all.
Product: Credit reporting

My complaint it against Equifax credit bureau. First, I am not disputing if the debt is mine or not, or if the credit reporting information is correct or not. I understand and acknowledge that the is my debt. I am filing a complaint because according to the new credit reporting rules, once a medical debt has been satisfied, it is to be promptly removed one 's credit history. I paid the medical debt last year and I am asking for it to be removed. XXXX was helpful and removed it with no problem, now I am asking Equifax to remove it. Below are multiple news links that ran articles about the new credit reporting rules. 

Here are the links from reputable news organizations detailing what the new credit reporting rules are : XXXX : XXXX : XXXX : XXXX
Product: Debt collection

My original debt was with XXXX. I paid it upon completion of services 5 years ago. The debt of {$100.00} was added to my credit report 2 months ago under an entirely new company, Waypoint, that I have no agreement with. 
I don't owe this money to the original creditor or the contracted collection company.
Product: Credit reporting or other personal consumer reports

To XXXX, XXXX, and Equifax, After reviewing my credit report, I have noticed inaccurate information that has been verified as accurate by your bureaus, despite providing evidence to the contrary. This continued reporting of false information violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) and 611 ( a ), which require the information furnished on credit reports to be both accurate and properly verified. 

Attached is proof that clearly demonstrates the inaccuracies in question. I ask that you promptly remove this incorrect information from my credit report, as your failure to do so is in violation of my consumer rights. Please ensure that my credit report reflects only verified and accurate data as required by law. 

Thank you for addressing this issue urgently.