23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Tennessee department of XXXX XXXX. Continue to collect on a debt. Without proving true ownership of the debt. The company report negative information on my credit report without verifying the debt. The acount was closed on my transunion report. XX/XX/2021. Because the company fails to provide the original oblation with a signature. The acount was removed and deleted from report. But company continues to collect on debt and violate section 609. ( a ) ( 1 ) ( A ). Of the fair reporting act.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item. 

XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA. 

XXXXA detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The company i would like to file a complaint on is LoanDepot, they currently service or own my current loan and i started receiving phone from them on XXXX XXXX and i finally decided to call them back on XX/XX/XXXX to talk about a refinancing opportunity i had due to been with the company for two years ... we discussed several options and i decided to go forward with a 15 years refinancing conventional, paid my appraisal fee, give them all info needed ... i was told the process took 30-45 days since i was an inhouse refinancing ... on XXXX they discovered my credit report changed so a 15 year was no longer available so i received another offer for a 30 year conventional loan, which i accepted, even knowing i am their current customer they continued requesting documentation over and over for about month and a half.. and now as XX/XX/20 they have requested a new appraisal since they discovered there 1st appraisal was requested as a condo but the property is a townhouse.. this of course to my expense .... my estimated closing cost went from XX/XX/XXXX {$2900.00} to {$4400.00} on XX/XX/XXXX ... I would really like to someone competent to look into all this situation, i had a very long work history, perfect credit, verifiable income and i think this company have serviced me on a very unprofessional way, all this last minute expenses makes no sense i really hope they are not taking advantage of other people on real need to lower their payment and charging them whatever they feel like.
Product: Debt collection

Starting in XX/XX/XXXX, when my late husband and I signed the paperwork that we oped to pay bi-weekly the amount of {$620.00} that 21st offered. For 4 1/2 years, we were constately harrassed and verbally abused. When we paid on time bi-weekly, they always said we were late. Then we started paying monthly the amount they wanted to stop the harrassment. Last year in XXXX of XXXX, my husband was working with XXXX XXXX, the company attorney. He was the " go between '' to get a resolution. Finally, my husband agreed to pay them the amount they wanted. He sent a check for {$4400.00} to just have piece of mind. This way we could start with a " clean '' slate. They sent us 3 payments back as in 3 checks. These were full payments we had paid and had cleared the bank. We never cashed them but they backed it out of their system. Now they are saying are behind again. Since XXXX of XXXX when we had a " clean slate '', I have paid a total of 14 payments. In XX/XX/XXXX my husband passed. When I called to let them know in case they needed to death certificate, they LAUGHED! Then they started yelling asking wo is gon na pay. I kept trying to tell them I am. They kept over talking me and kept asking about his kids. Finally I hung up because in my state of mind and still in shock, I hung up. Now they have their attorney involved again. In early XXXX he is wanting a resolution again. He told me they stopped payment on the 3 checks but their paperwork shows they never put it back in. I have all my payments where they cleared the bank. 

Mr. XXXX is now saying he doesn't " remember '' the agreement in XX/XX/XXXX. I do remember because we would NOT pay XXXX for no reason. They are taking advantage of my husbands passing because he can't speak. I remember seeing the check and paperwork in his things. ( I will have to look again ). 

I am having anxiety attacks and on medication now. This constant harrassment plus me trying to grieve for XXXX has got to stop. My doctor told me I am at XXXX level now. Please make this stop. I have read many reviews and this is what 21st Mortgage does.
Product: Checking or savings account

On XX/XX/2019 I called Regions Bank to file a merchant dispute for a double charge on my bank issued Visa debit card ending in XXXX. XXXX XXXX XXXX  charged me {$390.00} twice on XX/XX/XXXX and XX/XX/XXXX when they should have only charged me {$390.00} once for security installation service. The customer service representative at Regions took my complaint over the phone and emailed me an affidavit with the details of the double charge by the merchant, which I promptly signed and faxed back to Regions Bank on XX/XX/2019 along with a copy of the itemized invoice. Approximately ten days after filing the merchant dispute I received a letter dated XX/XX/2019 in the mail from Regions denying my claim. Regions sent me what looked to be a standard form letter with very cryptic messages denying my claim such as passed fraud verification test, card credentials verified, no report of lost or stolen card. Well duh, I reported a merchant dispute and not a fraudulent transaction so why did Regions Bank send me a form letter dated XX/XX/2019 saying they reviewed the transaction and would not be crediting the missing {$390.00} back to my checking account with very cryptically written phrases about passing the fraud test and card credentials verified? The Regions letter went on to say that I could request the back-up documentation that was used to deny my claim. After receiving the Regions Bank letter denying my claim because the transaction passed the banks fraud test for a merchant dispute I called and told Regions that they committed gross negligence in reviewing my disputed transaction and were in violation of Regulation E and also in violation of Visas merchant dispute policies. When I called Regions after receiving the denial letter the representative rudely told me that the only way they could reopen the case was if I submitted additional documentation even though Regions Bank was the responsible party for mishandling their initial review of the merchant dispute. A few weeks later on XX/XX/2019 I faxed Regions a letter with another copy of the itemized invoice and the bank finally returned the missing {$390.00} back to my account on XX/XX/2019. However, it took more than a month from my filing of the initial dispute to have these funds returned to my account. I want a copy of the back-up documentation that Regions Bank used in initially denying my claim as they are required by law to provide to me upon request. I have repeatedly asked Regions to mail me a copy of the back-up documentation used in their initial denial of my claim and they have so far refused to send it to me. Besides being in violation of Regulation E Regions Bank needs to apologize to me for their grossly negligent and renegade behavior. My hope is that the appropriate regulatory authorities including the Federal Reserve and the CFPB force Regions Bank to completely revamp their merchant dispute policies so that they are no longer in violation of Regulation E. Regions Bank did not do their job in initially reviewing my claim and wanted me to do their job for them. This is simply inexcusable.
Product: Credit card

I received an email from PayPal about a settlement for Case XXXX. They said I would be credited with {$30.00} plus an additional {$1.00} to cover a fee if I request a check. They did not deposit the {$1.00} and are charging me for the check and giving me a refund of only {$29.00}. I realize this is a very small amount but with XXXX customers, PayPal is cheating us again. I tried to call them bu I just get put on hold. They do not provide an option for electronic contact.
Product: Vehicle loan or lease

Please help me I purchased a XXXX XXXX XXXX from American Car Center in XXXX. After Purchasing the vehicle they went out of business. Westlake Portofolio took over all there accounts. I am set up for automatic payment my payments are drafted from my bank account. On XX/XX/XXXX a payment was drafted in the amount of XXXX On the XXXX of XXXX my car was ilegally repossed. I called the tag off and found out the car is still titled in American Financial name. I called West Lake Portofolio and asked they give me my car back they are saying I have been paying monthly when I am set up on bi weekly they claim I owe them XXXX when they claim I am 140 days past due with my account I went on the app WestLake Portofolio logged into my account it is showing on there app I am indeed set up on automatic payment bi weekly so they ilegally took my car. I have been having to pay XXXX to get back and forth to work
Product: Checking or savings account

My mother, XXXX XXXX, and I, XXXX XXXX XXXX, hold a joint checking account with Wells Fargo Bank. My mother receives a monthly Social Security direct deposit to this account and has for years. I have a Power of Attorney for my mother, and I manage her account. 

The XX/XX/2022 Social Security of {$1900.00} was not deposited. I subsequently learned that her nursing home illegally diverted this amount to the nursing home Wells Fargo bank in Arizona. Social Security confirmed this as fraud, and gave me the routing and account number for the Arizona Wells Fargo account. 

I called Wells Fargo fraud twice to request a copy of the document that allowed them to divert this money from the California joint checking account to the Arizona account. They refused my request both times. 

I believe as an account holder I have the right to request and receive this document. Please advise. Thank you. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX ) XXXX, what's even worst, the account is reported twice on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian refuse to update my account being reported by XXXX to Experian as Paid In Full as of XX/XX/XXXX. 

I requested an investigation from Experian into this account to have them update the balance, status, etc. On XX/XX/XXXX, the investigation results from Experian stated that XXXX verified the information being reported is accurate as is and no changes were made to my report despite providing payment information to Experian showing the account has been paid. 

As of XX/XX/XXXX, the XXXX loan on my Experian credit report shows a balance owed of {$510.00} and the account is being reported as open and 30 days late.
Product: Mortgage

In 2011, I was placed on XXXX due to a work related issue. The XXXX lasted for approximately 8 months. Upon being able to return to work, I was fired the following day and remained unemployed for an additional 3 months. I was making a significant salary at that time and also on an adjustable mortgage plan. During my XXXX/unemployment I was struggling to maintain my mortgage payments and became late. XXXX more month of being delinquent, I may have faced foreclosure. Thankfully, I regained employment but my salary was reduced by nearly 10 % in addition the commute was quite distant. On or around this period, my adjustable interest rate with HFC went up by nearly 50 %. I contacted HFC and requested assistance. HFC only granted temporary modifications at 6 month increments. My last time requesting for a modification, I was denied and told that I have exceeded the maximum amount of modification requests and advised that I can reapply in a year and I would be eligible once again for loan modification. I waited patiently and one year later, I reapplied and I was denied. I appealed the request stating that I was advised that I would be eligible after a year but my appeal was denied. The only XXXX options I was given were either a Short Sale or Deed in Lieu of Foreclosure. I turned down those options because I DO NOT WANT TO LOSE MY HOME! After struggling to make my mortgage payments, I tried to refinance my loan but was denied because I am underwater with my loan and my loan to value was not good. I was then referred to XXXX, XXXX for assistance. I worked with XXXX and they submitted my refinance request to HFC. Again, HFC denied my modification request and this time for different reasons. I was again only given XXXX options, either a short sale or a deed in lieu of foreclosure. 
During my time trying to work with HFC on refinancing my loan I was also told that they do not do modification loans in addition, do not have to comply with the Obama mortgage rescue plan. 
I am seeking your assistance in hopes by filing a complaint to HFC of their unfair acts with mortgage rates. Currently my XXXX mortgage rage is 7.59 % and my second just went up to 10.15 %!!! It 's sickening and absurd that mortgage companies are allowed to do this to consumers, knowing that they are stuck between a rock and a hard place and can not get out of their contract with them. HFC is very aware that I am underwater and my LTV is too low that no other bank will refinance my loan so they are taking advantage of a long time customer with a high interest rate and knowing that the current market rate is between 2-4 %
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the following fraudulent accounts from my credit report, as I have been a victim of a data breach. These accounts were opened without my consent or authorization, and as such, I am requesting their removal in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XX/XX/XXXX {$220.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX. XXXX XXXX XX/XX/XXXX {$00.00} XXXX. XXXX XXXX XX/XX/XXXX {$00.00} These accounts were either fraudulently opened or incorrectly reported, and they are not associated with any actions or agreements I have made. I am requesting that all of the above accounts be blocked from my credit report, and any associated negative information be deleted in compliance with the Fair Credit Reporting Act. 
Inquiries to be Investigated : XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have received XXXX calls from the following telephone numberXXXX.  When i answer they hang up.  Then when I call the number back to find out who it is, each time I get an automated message telling me the name of the dept collecting company and that the call is in reference to a dept and in order to find out more details about this dept I have to enter my telephone number which I am hesitant to do.

The  thing is I  do not owe any debts whatsoever with this company or any other company and I do not know why these people are harassing me. or how they got my number.  This is nothing more than a scam phishing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I received an alert about an incorrect late payment, right after I contacted the company XXXX XXXX and they investigated and corrected the issue sending the information to Experian and the other 2 credit bureaus. In addition, they sent me 3 different letters that I have submitted to Experian throughout the years after their confirmation to delete the late payment on my report. I have done multiple disputes and statements, and Experian has failed to delete the late fee on my report. Also, XXXX 's has contacted directly Experian and still they haven't deleted it from my report. Please help me to finish this once since for all, it seems they never follow through properly all my disputes.
Product: Credit reporting

I have been a victim of identity theft and I have been trying to dispute innacurate items on my credit report.
Product: Debt collection

On XX/XX/XXXX I sent XXXX a dispute letter and received a response about debt settlement on XX/XX/XXXX. It was past 30 days when I received the response from them. I asked them not to contact me yet they still call from local numbers. I called XXXX back in XX/XX/XXXX to find out about doing a " pay for delete '' and was told that THEY CAN NOT GRANT my request. I had several other collection accounts with XXXX in the past and they were removed without me paying a dime. They are conducting illegal activities.
Product: Credit reporting or other personal consumer reports

These inquiries on my report have been reporting for a long while now and it has come to my attention that I never permitted these companies to access my report.
Product: Money transfer, virtual currency, or money service

I am writing to report an unresolved dispute with Chase Bank and seek your assistance in reaching a resolution as soon as possible. Utilizing the services of Chase Bank, a total of XXXX USD was transferred from my account to the fraudsters impersonating a legit XXXX XXXX through XXXX using trickery, manipulation, advanced money extraction techniques, and lies.
Product: Credit reporting or other personal consumer reports

ORIGINAL CREDITOR : XXXX XXXX XXXX { BILL CITY FINANCIAL SOLUTIONS } AMOUNT : {$850.00} ACCOUNT TYPE : COLLECTION IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 a. SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666 B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON!
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : Bankruptcy XXXX XXXX dischargedXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX  card account has been reporting incorrectly on my credit reports for years. I DO NOT recognize this account. It should NOT be reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report false and old information from XXXX XXXX. It is reported in spite of being past the period for reporting. They are refusing to remove it in violation of he FCRA.
Product: Student loan

I need my final official letter showing I qualified for PSLF! I have been in the PSLF program since XXXX. I submitted my final PSLF form on XX/XX/XXXX. On XX/XX/XXXX my loans were showing a XXXX balance on the Mohela website. On XX/XX/XXXX my account on Federal Student Aid had a XXXX balance and in early XXXX my credit reports showed my loans as " paid in full '' with a XXXX balance back dated to XX/XX/XXXX. As of the writing of this complaint I still do not have a letter showing my employment by employer with the associated number of qualifying payments. I also do not have the official congratulations letter that states I qualified for Public Service Loan Forgiveness and my loans were forgiven because I qualified for PSLF. I need the official documentation that proves I qualified for PSLF and my loans were forgiven through PSLF. I have emailed 4 times and called twice regarding this matter and am still being told to wait due to a " glitch. '' Today I got a response to my most recent complaint that states : " Thank you for contacting MOHELA. We sincerely apologize for any inconvenience, we are currently working on generating those letters. As soon as it is available we will send it out to you. " It has now been neatly 3 months since my account XXXX. I need my letter!
Product: Payday loan, title loan, or personal loan

They are harassing me constantly. They call me every single day, multiple times a day. I have a lot of stress in my life and I know that I owed a loan to them but they do not get to harass me or people I put down as a reference, it is against the law. They continued to call and harass me even after I had spoken with them. Someone needs to do something about this company harassing people. Because it is not okay.
Product: Debt collection

I told Idaho Collection Bureau I could make $ 25 monthly payments at the time and we would revisit an amount in XXXX. They automatically set payment to {$50.00} with out the revisit. When I called XXXX to inform her I was not able to pay that amount she said I said, I said I could. I never said that. I told her I cant pay that amount and she it needs to be raised at the amount that is in there office. I said thank you and she hung up on me. I did not make that payment arrangement or agree to {$50.00} payments
Product: Credit card or prepaid card

A bill was received on XX/XX/XXXX from Comenity bank for credit card charges made on XX/XX/XXXX for a total of {$190.00}. I have not used this card since XX/XX/XXXX. The charges were fraudulent and I have spent over XXXX hours on hold trying to get in contact with someone on the Comenity Account Protection team. No one is available to assist ; just hold music and " we are sorry all of our representatives are still busy... ''. No matter what time of the day I call, I have to sit and wait for hours with no response. 

.After some research, it appears that there has been issues with this company since XXXX.