23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Thank you for helping me. I received a notice that my mortgage payment was going to increase in XXXX XXXX to {$4500.00} from {$2200.00}. I called SLS that same day XXXX XXXX and they told me my new payment would be increasing in XXXX. I told them that there was no way I would be able to afford that payment. I am a single working mom of XXXX young children. I bought my home in XXXX with the father of my children. In XXXX I left their father due to his abuse to the kids and me. He demanded that I buy him out of the home loan so I was sold the loan that I have now, interest only. My income has come down since XXXX so I live a very conservative life so that I can make my house payment and bills on time. That same day, XXXX XXXX I submitted the completed modication application and sent it in along with all requested documentation. As their instructions stated I faxed the documents in XXXX set pages. I received confirmation of all XXXX sets of faxes. On the next day I called to confirm their receipt, and they did not receive it. I called the day after and they said they did receive it but the package was incomplete. I told them that I had confirmation of all pages being received ( the # of pages shows on the fax receipt ). They told me they needed me to refax the entire applications, bank states that showed the {$100.00} child support and becuase I did not circle the child support on the bankstatement it was not complete I told them that the directions did not say to circle the amounts that I did that on my own to help make it clear, and they told me it did n't matter I had to circle and refax. I also had to refax the XXXX. I told them that the instructions stated that the XXXX was for " self-employed '' people and that I was not self employed so I completed the XXXX XXXX. They said that I was wrong and that my file would not be looked at until they received the correct XXXX along with the other documents. They also told me again, " It does n't matter they do n't have the right XXXX so do it again ''. Their instructions clearly state that the XXXX is for self-emplyed. I did as they asked and refaxed all documents. When I called today XXXX XXXX to see if they received the faxed documents again the rep, XXXX was extremely insentive. He told me that they did not log in documents on Saturday and that only XXXX people him and someone else was working. 
I am begging for a reasonable mortgage payment. Increasing my payment to more than double is not reasonable. I save during the year to pay my property taxes, the bank did not allow me to have them added to my payments. I have worked at my job for 16 years, I am a responsible parent and cosumer and I have never even been late making my house payment. I just need help with SLS giving me a reasonable house payment. My kids and I feel very safe in our neighborhood even though we do not have family that lives close to us. I am cooperating with SLS and I am pleading that they give me a reasonable payment so that I can keep my home for me and my kids. I ask that you please help me. Thank you.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX, NV, XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, HI, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account.

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Student loan

I am reporting a student loan scam. 

I got a voicemail on XX/XX/2019 at XXXX ( from a robot named " XXXX '' ). She told me, " ... your student loans have been excepted into the Navient Settlement and are now subject to complete loan forgiveness ... ''. The phone number is XXXX and my " reference number '' is XXXX. I've called them twice and have been hung up both times, because I said I wanted to think about it and call back. The second guy I talked to was named " XXXX ''. I kept asking him what the name of the company was and he just kept telling me they were one of three Financial Preparation Enrollment Centers in the U.S..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Regrettably, Experian has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in resolving these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) - The information indicated on the above account is imprecise. The stated balance of {$2000.00} is higher than my recollection. Additionally, I request the removal of the amount indicated in the Past Due section, as this account has a closed and charged-off status. I intend to communicate with the creditor to clarify the reported data. Until the appropriate corrections are made, I kindly request Experian to mark this account as disputed. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} ) - The above account does not belong to me, and I request Experian to remove the late payment associated with it.
Product: Debt collection

I called the XXXX credit card company immediately when I found out that a credit card was issued in my name. I told them it was identity theft/ fraud which they told me they wrote down and would take care of it since it wasn't me. They said they would get rid of the card and I would not be liable cause it was fraud/identity theft. I did this about 2 months ago. They told me not to worry and that the credit card with {$5100.00} would go away cause it is fraud. I was shocked to see that they sent it to collections and on my credit reports as I had already taken care of the situation with them. They told me they reported it as fraud and I was to no longer worry about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} I have been trying to get in touch with these companies it has been unsuccessful.
Product: Mortgage

This is not my first time having significant issues with this mortgage company. 
I recently made several major extra principal-only payments toward my loan. Still, the mortgage company did not apply them correctly and did not address numerous e-mails regarding this issue I sent to them using their own secure messaging system. Furthermore, they refuse to provide me their physical address only a po box so there is no way I can serve them or send them registered certified mail. 
I need your help as my first communication with them was over XXXX weeks ago and there is a monetary dispute of over {$5000.00} they refuse to address.
Product: Mortgage

I got a call from Cash Call on XX/XX/2016 and was offered to refinance my mortgage at XXXX % with no costs and no appraisal ( I had recently gotten an appraisal with them, but was given a " bait and switch '' to a higher rate, so I declined that loan. ) This time, they said the previous loan handler screwed up, and they would help me make this one go through. I filled out all their paperwork, emailed them copies of all supporting documents they wanted. They then said they were waiting for a response from the credit union that was holding the loan for my solar panels, which needed subordinating. I waited and waited and kept calling them and asking why the loan was being held up. They kept saying the credit union did not respond. I then contacted the credit union and I now have proof that Cash Call did not notify the credit union until XXXX ( and they promptly responded on the XXXX. ) In other words, Cash Call dropped the ball and did not get the subordination they needed until almost XXXX weeks later - at that time, rates had gone up, so they no longer wanted to honor the offer they made me. Meanwhile, my credit score has the ding of the extra credit score pull, I have wasted all that time and effort getting them docs, and they want to weasel out! It was their fault! They dropped the ball -- not me! 

To make matters even worse, this is the second time!! The first time ( a few months ago ) I even went through the entire hassle of going through a home appraisal. I kept telling the loan agent that I would only refinance for a no cost rate of 3.75 % and they kept saying " we will work something out. '' After completing everything, filing for the loan, getting the appraisal, etc, they did a bait and switch and came back complaining saying " Come on! After all that work, you wo n't accept a higher rate? We ca n't do the lower rate we had mentioned. '' -- - I reminded them that I had been telling them all along I would not agree to a higher rate. They cancelled that loan, and my credit score plummeted. Now they are at it again!!! What is going on? Do they get money for getting people to agree even if the loans do n't go through???? 

If you need proof, I have all the phone calls recorded myself ( and they do too ) for which I can provide you the XXXX files, and I have all emails.
Product: Debt collection

When I receive the calls concerning my previously owned Chase Freedom Credit card my identity was stolen and many of my cards were used I filed a police report and reported documentation to all institutions involved my balance should be 0 paid in full up to date like it always was before the fraudulent activities occurred it has been also intimidating the tactics used on the phone to collect this discrepancy saying very aggressive and wrongful insulting things to me truly uncalled for and the sense of harassment please I ask kindly that my account is properly updated to a 0 balance paid in full and it reflect as such on my credit report Thank You
Product: Debt collection

I am being charged an eviction on my credit report, that does not belong to me. I have reached out to the apartments and to the collection agency. The apartment said i was a cosigner which is incorrect, I never cosigned for anything. Please help me fix this matter.
Product: Student loan

To Whom It May Concern, Hi, my name is XXXX XXXX and my loans are being handled by Navient. I have reported this problem before, to which they fixedthe problem. However, they have yet to fix this problem with other students ( including myself again ), as well as my other classmates.

To my understanding, when students obtain loans, students have 90 days to return the loan without any fees or charges occurring ( i.e. that loan amount does not accrue interest ). However, whenever I make return part of my loan to Navient within these 90 days, they apply some of the repayment to the net loan and some of it to the interest that has accrued. Ultimately, these means that the net loan amount is higher and students are paying more over time as the increased net loan creates more interest for students. 

About 1 year ago, I already created a complaint regarding this issue where they refunded me for the amount that was applied to the interest, and the additional interest that it created. Other students that I had warned about this issue contacted the company to which they said this problem has never occurred before and it was a simple error in the system. However, despite their awareness of this issue, they have still yet to fix this 'problem ' that is essentially generating more money for them.
Product: Debt collection

MY WAGES WERE GARNISHED BY FOSTER AND GARBUS. I WAS UNAWARE OF THE DEBT AS I WAS NEVER SERVED NOR DID GET ANY NOTIFICATION OF A DEBT. I UPDATED ALL MY INFORMATION WITH NYS AND I PROVIDED PROOF OF SUCH. I WAS NEVER NOTIFIED OF A DEBT TO SETTLE OR PAY. FOSTER AND GARBUS FAILED TO CONTACT ME AND FAILED TO EXPLAIN THE PROCESS. I WAS TOLD I NEEDED TO PROVIDE INFORMATION AND I DID. I WAS NOTHING BUT COOPERATIVE. THE AMOUNT AGREED ON WHICH WAS NOT A SETTLEMENT BUT FULL PAYMENT AS THEY DENIED A SETTLEMENT WAS SATISFIED AND THEY CONTINUED TO GARNISH MY CHECK. THEY REFUSED TO STOP GARNISHMENT EVEN AFTER JUDGEMENT WAS SATISFIED.
Product: Money transfer, virtual currency, or money service

My coinbase account was locked with a bitcoin balance inside, Coinbase said that I was able to withdraw my balance but they wont let me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One got a copy of my report I don't recognize. And also XXXX XXXX XXXX got a copy of my credit report. I don't recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA LAWS 15 U.S CODE & 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charg ACCOUNTS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called the branch manager to speak with her about the collections department and she was very rude. I hung up on her and she continued to call me 13 times from XXXX to XXXX and I have the calls logs. This is plan harassments and needs to be resolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was contacted by an individual that on XXXX XXXX XXXX in reference to an item I had posted. The individual used the screen name XXXX XXXX. He indicated that he wanted to use the ZELLE app to provide payment. I proceeded to use the ZELLE app and received an email with instructions how to proceed, I followed the instructions as given by a person who called himself " XXXX XXXX '' who also provided a badge number XXXX. After several rounds of telling me that I needed to " XXXX XXXX '' amounts of {$500.00} multiple times and arguing with both of these persons about the process I told them I was no longer interested in completing the process. The telephone number the " ZELLE '' rep used was XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The " ZELLE '' rep became argumentative when I told him to reverse all of my charges and replace the funds into my account, he denied being able to do so and left me on hold for a long period. I went to my banking site and turned off my debit card to stop all pending charges. I do not know if that will stop the pending charges or not, so I also emailed my bank 's customer service to notify them of the impending fraud and to stop all charges. This incident went on for far too long and I admit that it was my naivete that allowed it to go as far as it did. I just hope that I didn't actually lose XXXX XXXX dollars in the wake of my stupidity. Any possibility of catching these people that perpetrate this kind of fraud would be amazing. I am angry and disappointed that I fell for this and again just hope my bank can stop these transactions from going through. Otherwise I don't believe that I'll see any of my money recovered.
Product: Mortgage

This company bought my mortgage last year and to date they havent pulled my payments as directed, failed to pay my insurance and my second half taxes due on XX/XX/XXXX. I have many emails and phone calls to and from the company only to have them drop the ball in every instance. I have, per their request set up my auto draft 3 times only for them to fail at getting it processed. Now I discover that have not yet paid the XXXX half of my property tax due XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and have requested for 5 years, a copy of the permissible permission to access my credit report in XX/XX/2017 to prove the XXXX XXXX XXXX XXXX ( XXXX ) loan was fraudulent. But XXXX and Experian deny and label requests and complaints as duplicate. I understand children will lie to protect themselves but this is ridiculous for grown people to act this way. Is XXXX XXXX who blindly follow their XXXX reading this or is an american with integrity reading this?
Product: Debt collection

TD Bank called about 1 missed pmt. We were in Tx with a XXXX scare. I called TD back, explained the situation and made pmt arrangements. I took screen shots. Despite arrangements they said I can't stop the calls and they will continue until its paid. Not even 30 days late fyi. Next time they called I waited and gave them fair warning to stop. Met with arrogance.
Product: Debt collection

I show a debt on my credit in the amount of {$6900.00} being represented by a debt collectors by the name of FAIR COLLECTIONS AND OUT regarding a property by the name of XXXXXXXX XXXX XXXX 
I have never signed a lease or contract for this property and this is fraud to report this on my credit without valid proof being provided. I want this property removed off my credit along with all negative reporting that has ever been reported at once please.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 



Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX. {$1400.00} XXXX XXXX XXXX XXXX. {$350.00}
Product: Credit card

Chase is refusing to acknowldge the identity theft and holding me liable for fraudulent transcations inspite of repeated explanations I am writing to you to document an issue with identity theft that I have complained to chase about previously. 

To sum up, On XX/XX/, my phone number was hacked. My provider is XXXX XXXX which uses an e-SIM service. The e-SIM was ported out to a different device. Once the hacker got hold of my phone number, he utilized phone based authorization and OTP services to get into my credit card accounts including Chase. 
He opened a new credit line with Chase under number # XXXX now ending XXXX If they check the date of the transaction they will find that this account was opened on the same day - XX/XX/XXXX. Before the physical card was dispatched, the hacker added the virtual card to XXXX XXXX ; and was able to utilize it for two transactions at XXXX totalling {$370.00}. 

Without phone access, I had to go in person to the branch multiple times to explain the situation and request the account be stopped. 
At the same time, the hacker also opened multiple credit lines with other companies. 

I have been a Chase customer for over 5 years and my account has always been well maintained. I have explained this situation multiple times in person ; and providing the same detail via this email as well. 
I want to emphasize my profound frustration and disappointment in the way this matter has been handled so far. I have consistently provided all necessary information, with a detailed chronological account of events from the day it occurred. I have visited my local branch multiple times over the past four weeks, made countless phone calls to your fraud department, and yet, I still find myself in a situation where the investigation officer 's demeanor has been less than accommodating. I have been met with rudeness and disbelief, with inquiries as to why I am reporting this after 60 days of the incident. 

I would like to request that you close this account and waive the charges on this account - while ensuring that this does not affect my credit score and record. 
My credit has also been frozen with all the credit agencies and if you check with them, they can verify the same I have provided them screenshots as documentation of the activities around that time period ; complaint that was provided to XXXX XXXX ; as well as the email that was sent to the Police department in XXXX XXXX XXXXXXXX with the appropriate complaint number already provided them I kindly request that you conduct a thorough investigation into this matter, provide me with updates on the progress, and work with me to resolve this issue promptly. I look forward to a swift and satisfactory resolution, as I believe it is in the best interest of both myself and Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus 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 corrected XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}.