23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was having trouble paying for the mortgage due to XXXX. My work closed the office for a few months. Then I was offered to pay back the amount due with a percentage of the missed payments. After a few payments my tenant had a hard time paying the rent, they paid late. So, my payment was rejected due I tried to pay a couple of days late. Tried paying for a few months and it all got rejected. Did call the mortgage company and I would have to talk to my case management. But left multiple messages and no response. Then I called XXXX XXXX she called the mortgage company and the same thing. She said ( XXXX from XXXX XXXX XXXX said why I wasn't offered to modify and Shellpoint said the best choice was what they offered. Then in XX/XX/XXXX my Mom was diagnosed with stage XXXX XXXX XXXX. Had to use the money to pay for the care of my Mom. She passed on XX/XX/XXXX and now paying for her funeral services. Told Shellpoint I'm able to pay my mortgage. I have a new tenant and she pays on time. 
Hope you can help me keep our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS PROCESS HAS CAUSED ME EXTREME STRESS IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID XXXX, EQUIFAX NOR XXXX WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : XXXX XXXX XXXX - {$0.00} XXXX XXXX - {$440.00} XXXX XXXX - {$650.00} XXXXI XXXX - {$250.00} XXXXL XXXX XXXX - {$680.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXXDebt 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 XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX
Product: Vehicle loan or lease

Pursuant to California Vehicle Code 4456, Santander Financial, as the lienholder, had the responsibility to ensure proper processing of these documents. This failure constitutes negligence and a breach of duty, as outlined under California Civil Code 2982, which governs motor vehicle sales and financing contracts. The negligent delay has directly caused financial harm and significant emotional distress, and I am seeking immediate compensation for these damages.

Statement of Evidence 1. Storage Fees : Due to the inability to legally operate my XXXX XXXX XXXX XXXX, thus it not being allowed to be parked on street property, I have incurred storage fees at a rate of {$120.00} per week from XX/XX/XXXX to XX/XX/XXXX, totaling {$15000.00}. receipts are handy. 


2. Supplemental Vehicle Costs : As a result of the sever negligence delaying registration 3+ years, thus legally not allowed to drive the vehicle, in direct conjunction with loss of use on original vehicle, I was forced to lease a supplemental vehicle to meet my transportation needs. I incurred monthly lease payments of {$700.00} from XX/XX/XXXX to XX/XX/XXXX, totaling {$12000.00}. receipts are handy. 

3. Insurance Coverage for Supplemental Vehicle : I incurred insurance costs for the supplemental vehicle of {$2400.00} per year over two years, totaling {$4800.00}. receipts are handy.

4. Insurance Coverage for XXXX XXXX XXXX XXXX : I have also continued to maintain insurance coverage on the XXXX XXXX XXXX XXXX, although I was not legally allowed to drive the car due to Santanders in ability to register the vehicle, incurring costs of {$2000.00} per year from XXXX to XXXX, totaling {$4000.00}. receipts are handy. 

5. Out-of-Pocket Registration/Title Fees : I paid {$2800.00} in out-of-pocket registration and title and late fees fees, which I would not have had to pay if the registration had been processed in a timely manner. THESE FEES WERE PAID BY ME TO THE DMV WHEN I HAD ALREADY OPTED TO HAVE YOU PAY THE AMOUNT. The late fees for the additional years, never would have occurred if Santander properly staffed their offices to receive mail.

6. Loss of Time : The ongoing delay and inconvenience have caused me to lose valuable time from XX/XX/XXXX to XX/XX/XXXX, which I value at {$40.00} per hour. This loss of time totals {$1400.00}.

7. Emotional and Punitive Damages : This matter has caused considerable stress, inconvenience, and emotional distress. I am seeking additional damages of {$30000.00} for the emotional hardship endured during this prolonged issue.

Legal Basis for Claim Santander Financials failure to meet its obligations under California Vehicle Code 4456 and California Civil Code 2982*has resulted in substantial financial losses. As a result of this breach, I demand immediate reimbursement for the above costs.
Product: Mortgage

I am reopening complaint number XXXX. 
This issues have not been reoslved despite repeated attempts on my end. The instructions from the IT department were insufficient. They did not work and it is not the issue. The issue is that IT did not close out the last prior loan. Please ask them to re-open and resolve the complaint. It should not have been closed in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # listed below XXXX, XXXX, Equifax, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The document Ally Financial has uploaded is NOT VALID. I have mailed Ally Financial a copy of my correspondence that they should have received in 2016 along with recent identity theft report made with the FTC as well a copy of my LEASE amendment that was signed and dated in XXXX 2016 along with a summary billing statement that I received upon request from XXXX XXXX. My utility company at that TIME when I RESIDED IN NEW YORK STATE. I DID NOT EVEN LIVE IN THE STATE OF ALABAMA. The signature on said document does not even match the signature on my LEASE. HENCE, the reason its called IDENTITY THEFT. My RELATIVE had another Photo ID, birth certificate AND social with MY name on it. HER ACTUAL license has been suspended for YEARS hence the reason why she probably had to steal my entire identity just to get a vehicle and auto insurance and gas and cable. I will be consulting a lawyer on this matter should this information wrongfully remain on my credit report. By all means feel free to contact the apartment complex management office AND utility company to verify the documents presented. For all I know she has an employee at ally and at the dealership who worked with her to cook up this fabricated MESS
Product: Credit card or prepaid card

Alliant Credit Union changed their program, eliminating the annual fee on their Visa cash rewards credit card. This was a great change! 

The problem is that they levied an annual fee, promising benefits for the next 12 months, and immediately changed the requirements. I have complied with the new requirements, but they have rebuffed my request for a pro-rated refund of the annual fee several times. 

My complaint is that they are not providing any benefits in return for the annual fee, thus it should be refunded. Pro-rating the refund makes logical sense, and it is much easier than staggering the start date of the new program according to consumers ' billing anniversary date. 

But at the end of the day, I paid for 12 months of benefits and only received 2 months worth. The annual fee of {$99.00} was paid on XX/XX/2021, and the letter announcing the new program was dated XX/XX/2021 and effective XX/XX/2021. Alliant Credit Union is not entitled to keep the entire annual fee if they are not honoring the terms.
Product: Credit card

I recently booked my honeymoon, and used the credit feature on American Express that allowed me to pay this large trip over time. In talking with the American Express online chat agent, the indicated that in order to ensure that the pay-over-time feature is not voided by its terms, I needed to pay the adjusted balance in each pay period. I did so, and in XXXX the charge to my bank account was the Adjusted Balance, which was {$960.00}. I would note, that they have a line item charge on my credit card of {$78.00} for this pay-over-time feature. Today, I looked at my credit card statement today, and the amount that American Express is pulling from my bank account is {$16000.00}. There have been no significant purchases, and I made no further adjustments to the AutoPay feature, which remains set at the Adjusted Balance. When I called American Express, they refused to provide any insight or remedy into why this XXXX debit to my Bank Account is occurring. They essentially said, " tough luck. '' This amount and action is in direct contradiction to the stated process, mechanism and amount that they previously directed me with. This feels like an intentional bait-and-switch by American Express in the terms of the pay-over-time feature. I now need to figure out how I am going to deal with a bank account severely overdrawn, and as a sole and exclusive product of American Express 's misdirection on their credit feature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. 

I recently reviewed my credit report and found some information which is false and I wish to have this removed. 

The information which is false and should be removed is the address ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. And the phone number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our report since we first found out 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. XXXX XXXX {$6300.00} XXXX  XXXX XXXX {$400.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX {$460.00} XXXX XXXXXXXX XXXX {$400.00} XXXX  XXXX XXXX {$10000.00} XXXX  XXXX XXXX {$990.00} XXXX XXXXXXXX {$4800.00} XXXX   XXXX XXXX {$400.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX   XXXX {$390.00} XXXX XXXXXXXX {$390.00} XXXX XXXXXXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$710.00} XXXX XXXXXXXX {$400.00} XXXX XXXX XXXXXXXX {$31000.00} XXXX XXXXXXXX XXXX {$2200.00} XXXX XXXX {$320.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$15000.00} XXXX  XXXX {$0.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes starting back in XXXX with the credit bureaus for an account on my credit reports. The account is with XXXX XXXX. The issue that I am having is that the account is reporting inaccurately on my credit reports. When I first started monitoring my credit in XXXX I noticed that the account was reported as a collection/chargeoff on my Transunion and XXXX credit reports and Late 120 days on XXXX. When I looked at the payment history while XXXX was reporting the account as a collection/chargeoff, XXXX was reporting it as 120 days late and OK at the same time. I disputed these inaccuracies and asked that the account be removed from my credit reports. The dispute results came back that the account was verified as accurate. When I checked my credit reports in XXXX the status of Transunion was changed from a collection/chargeoff to late 120 days and the payment history for XXXX was changed to OK at the same time that XXXX was reporting as a collection/chargeoff. As I continued to monitor my credit reports, XXXX changed the status from collection/chargeoff to Late 180 days. The account has also been continually reaged. I have disputed this account several times including in XXXX and XXXX and each time the account has come back as verified. The inaccuracies have severely affected my credit score and have prevented me from being able to purchase a home.
Product: Debt collection

XXXX XXXX has been calling me several times a day from a blocked number. When they call it only shows the number as XXXX. I would n't mind them calling so much, and I would have answered if it had been a real phone number. I finally answered it and they asked for my info so I hung up and called them on their official phone number. They agreed to stop the calls but said nothing about the fake number.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint against BSI Financial regarding their credit reporting practices. Subsequent to receiving the complaint, I received a phone call from a BSI representative, who informed me that they would correct the credit bureau 's records, as I was not 60 days late in XX/XX/XXXX. Moreover, they agreed to correct the late payment reported in XX/XX/XXXX, which was supposed to be corrected per the judgment. All payments prior to the judgment were to be reported as on-time payments. I hope you can ensure that BSI is held accountable for their actions. The late payment in XXXX was incorrectly reported due to the inclusion of attorney fees as past due, which was unnecessary given that BSI lost the court case and the judge ruled in my favor. I am growing increasingly frustrated with BSI 's failure to correct their credit reporting practices. If this issue is not resolved within the next 30 days, my next step will be to report their practices to other banking institutions.

Im making a copy of this complaint and sending this to the Judge in our case, XXXX XXXX
Product: Mortgage

NationStar Mortgage has not been reporting to the  XXXX  credit bureaus,  XXXX ,  XXXX , nor  XXXX , my payment history since   XXXX  .
Product: Credit card

Citi Bank has a policy if you have multiple balance transfers they have a hierarchy for the way a payment is made. First the minimum payment is made, then and overpayment is applied to the highest interest account. In my case I contacted their chat representative who told me to after the minimum payment pay {$4000.00} to pay off my balance # XXXX. This just came due with the high interest. I complied and he took payment. My balance transfer was never paid but the money went to another account or was taken I never authorized the representative to put the money somewhere else. I am not aware it where the money went. On XX/XX/2023 the highest interest rate was my balance # XXXX which was never paid. I contacted Citi at least XXXX times and each time I was told a refund will arrive in XXXX days with their standard line about how multiple accounts are paid. They have lied to me on multiple occassions. They claim that you can download the chat notes. Not true, but I took screen shots of my chat notes. They have lied multiple times which I can show, They give false statements like refund will be made on a specific date. Never happens. Talk to another person they say it is being reviewed by a non-existing department. They refuse to give you a phone number to that department. Talking to multiple supervisors they repeat chat and phone the same story under review or you will receive the refund in XXXX days. I asked for the banks legal number again I was refused. This bank is very poorly run and in my case I think I was defrauded by the Citi chat representative.. At first I thought it was just a mistake, but digging further it was obvious this bank operates on different standards that normal approved banks. All I ask for is a refund of the overpayment that I made, but as I said before all you get is lies, from their departments.. On XXXX occasions they representative disconnected the chat. I was respectful and nice so there was no reason for the disconnect. I can prove by the screen shots that I have. Please help me in the situation. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in partnership with XXXX and TransUnion have committed fraud on my account and are reporting incomplete and unverified information. Pursuant to 15usc 1602 ( l ) XXXX XXXX Bank committed fraud by taking an extension of my credit card ( social security card ) and placing a lien on it for the amount of the finance charge. I did not initiate this consumer credit transaction and want the account blocked from my consumer report. XXXX XXXX as not shown proof of my consumer signature on any finance charge paperwork nor have I ever received any information showing the finance charge given to me. Please help me get this fraudulent account removed as it is causing daily harm to my consumer report as well as my life for the last 4 years. I am aware that I am the original creditor as well as the consumer. I did not give these CRA written permission furnish my report which is another law they are breaking. ( 15 use 1681B-2 ) If this bank follows the truth and lending act then my rights are being broken in ( 12 CFR 1026 ) as well. I have been sending disputes to these accounts for the last 3 years and they continue to break the law and violate my rights with no repercussions. I have attached a dispute letter from last year in which the CRA 's did not respond back to, within 30 days.
Product: Mortgage

Over the last 90 days I have attempted to have my private mortgage insurance taken off my loan due to exceeding the guidelines and requirements for needing private mortgage insurance. I have exceeded over 22 % in equity Which is a requirement needed to no longer carry private mortgage insurance. I have provided fifth third bank with an appraisal and assessment that was done on XX/XX/XXXX by the Town of XXXX and is also listed as public records via the XXXX County Real Property Tax Services. The first time I sent a written request was XX/XX/XXXX via email to XXXX. They responded that my request was denied because they based the value of my home from the ORIGINAL APPRAISAL that was done at the time we purchased our home in XXXX of XXXX. For whatever reason they never pulled the most recent assessment which wouldve been easily accessible via public records. I then contacted customer service via phone and was told to resend that my written request via email and attach the appraisal assessment that I received from the Town Of XXXX and to reference the most recent XXXX county tax records. I have attached both documents below that I also sent to fifth third bank. The most recent written request I submitted was XX/XX/XXXX I was told I would receive a written response within 7 to 10 days and I did not. I just contacted them today XX/XX/XXXX and they are now telling me I need to have a Fifth Third appraiser do the appraisal and that I am responsible for paying for the appraisal. I feel they are trying to make me go through every obstacle and deterrent in hopes I give up so they dont have to remove it. I have provided them with everything they asked and more, to fulfill their request, and complete this process of having my Private mortgage insurance removed and ultimately my mortgage payment would be reduced. This is unfair, misleading, misrepresenting and I feel Ive been severely taken advantage of mentally and financially. Im sure Im not the only customer they have done this to. I have requested to speak to the correct department and they refused to transfer me to a live representative. They tell me that department doesnt take calls. I have asked to speak with a supervisor and they person I spoke with claimed to be a supervisor and there was no one higher than her I could speak with. During these tough times this is the last thing I need to be stressed out about and its cost me nothing but grief and misery during this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six student loans with HH Loans and each loan shows up individually on my XXXX report, please see the attachment labeled " HHLoans Late Payment Data ''. 

You will also see each of them has corresponding " late payments '', and the details of these late payments posted can be seen by reviewing the listed attachments " Loan XXXX - XXXX. 

I have tried helplessly to work with HHLoans on two goals via phone and email with their support staff to no avail : ( 1 ) These six individual loan entries on my XXXX credit report, all with late payments, are preventing me from repairing my credit. On the HHLoans website, while they do list loans individually, they combine the total balance of loans and you make payments across all the loans when you make a payment, not individually. These six loans need to be combined into one loan, with any corresponding late payments, as opposed to what is listed currently. 

( 2 ) I previously spoke with HHLoans a few times now on the phone over the late payment information that is showing on my account. I need this information reviewed in entirety for each loan. In the attachment " XX/XX/XXXX to XX/XX/2020 '', this was an email from HHLoans stating loans would be in forbearance from XX/XX/XXXX to XX/XX/XXXX. I called before this forbearance ended and was told I was not eligible to continue forbearance, even when I had not yet found a job after graduating. 

I spoke with someone last month who said that should not of been the case, and that forbearance after XX/XX/XXXX was still being granted upon request. I could not pay, and was also told false information ( whether by mistake or not ) I am unsure, but I would like associated late payments which any account holder was qualified to be under forbearance removed as I was told I was not able to, when indeed, I was.