23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, i applied for 24 month loan to finance the purchase of a new dog. I read through all of the truth in lending disclosures and the contract and felt confident signing based on what i was reading so i signed the contract. On XX/XX/XXXX i received a credit alert that new account had been opened by a lender i had never heard of, Monterey Financial Services. Upon review, the amount matched the amount for the loan i just opened with XXXX. I reached out to XXXX 's custmer care to ask if this company was associated with them and they stated yes, it is their billing provider. Upon verification and gathering the account number to log in online, it appears this company is primarily a debt collection company. After reviewing my online account, it appears that my current payoff amount is higher than my original loan amount, even though my contract states i am interest free for 90days unless not paid off within those 90 days. I tried to contact the company but can not get through to someone on their listed phone number and have not received a call back. I reached back out to the original company i signed the contract with to voice my concerns and they assured me all was well. I stated that upon reviewing the contract there was no mention of a 3rd party servicer or that there would be fees associated with making regular and one time payments on the loan, and that had i known any of this, i wouldnt have opened the account, i would have just paid out of pocket to avoid any of this mess. I mentioned that when we opened our home loan, our truth in lending disclosures included mention of the loan being able to be serviced by a 3rd party, so we were made aware of that beforehand and could ask clarifying questions to be sure we understood all of the terms of the contract and loan and i feel duped and mislead by them omitting this in their disclosures to us. I would like both companies investigated and i would like this account removed from my credit report.
Product: Debt collection

I paid {$690.00} for this debt Im requesting that the the collection agency LOCKHART MORRIS & Montgomery, update and remove this hospital bill off of my credit report immediately. Debt was paid in full. Collection need to removed off my credit report immediately per the rules and guild lines for paying hospital bills in full.
Product: Checking or savings account

On XXXX I attempted to " Round Up '' my purchases to invest that partial dollar into investments. I was notified that PNC had changed their policies and this is no longer allowed. My husband is out of work so this is one of the few ways I can save money now. 

Please encourage or direct PNC to change their policy. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Around early XXXX of XXXX I submitted a life insurance claim to my deceased husbands life insurance company XXXX. I found out that the policy had a assignment on it from XXXX XXXX Bank in XXXX NC for a loan that originated around XXXX. Although XXXX XXXX Bank became XXXX XXXX Bank and Later First Horizon Bank they can find no record of this loan and I have courier paperwork from XXXX XXXX XXXX to First Horizon many times trying to get a release of assignment. With no communication to me the wife and beneficiary when the release of assignment will be forth coming. So I had my attorney to contact the Bank to try and get a answer on XX/XX/XXXX and he was told the bank had completed the paper work for the release of assignment to the insurance company XXXX. As of today XX/XX/XXXX XXXX still has not received the release of assignment from First Horizon bank nor has First Horizon actually said that they mailed the release of assignment to XXXX or communicated with me that they have and they still handle my late husbands business account which at this point I am rethinking.
Product: Debt collection

this fraudulent account with SEQUIUM ASSET SOLUTIONS account # XXXX balance XXXX this account is fraud i never had any of these accounts they are all fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN NATIONSTAR MORTGAGE FAILED TO RE-INSERT ACCOUNT BACK INTO MY XXXX CREDIT REORT SINCE 2013 ( SEE ATACHED ) IN VIOLATION OF THE F.C.R.AA. AND THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Product: Mortgage

In XXXX, our home was severely damaged in the XXXXXXXX XXXX. Following this, I received an insurance payment intended for the necessary repairs. Per the mortgage companys requirements at the time, which was XXXX XXXX XXXX, I endorsed the insurance payment check over to them. Subsequently, our mortgage was sold to Shellpoint. 

Since then, I have been attempting to resolve the matter with Shellpoint, but unfortunately, my efforts have been met with significant delays. When I initially contacted Shellpoint, they were unable to provide guidance on how to proceed with the release of the funds, advising me only to call back in a month. Upon following up after the suggested time, I was informed that they are experiencing difficulties locating my mortgage documents and was again advised to call back in another month. 

This ongoing delay has been extremely frustrating, especially considering that the repair work on our home has been completed, and contractors are now awaiting payment. It has now been 34 months since the fire, and the continued delay is hindering our recovery process. I would greatly appreciate your assistance in expediting the release of the funds so we can continue rebuilding our home and move forward from this challenging experience.
Product: Debt collection

I can't remember the exact date but the {$XXXX} Is not mine and all these others things on my credit
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX XXXX time I requested a withdrawal in the amount of {$1000.00} usd plus {$3.00} fee for a total of {$1000.00} dollars from us bank branch ATM located at XXXX XXXX XXXX XXXX XXXX Or XXXX. The machine said hardware malfunction your cash has been retracted, still the machine debited my card this entire amount. I want my money returned and the bank is giving me no updates, furthermore they don't feel the situation is of urgency, nor do they want to take responsibility of their machines. Return my money to my account now.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charged-off account reported by XXXX XXXX on my credit report. While the account is listed as charged off, I was never provided a 1099-C form as required by the IRS when a creditor cancels a debt of {$600.00} or more. This lack of documentation suggests that the debt may not have been truly forgiven or written off, making the reporting inaccurate and misleading.
Product: Mortgage

I am trying to refinance my mortgage with the same bank that already has my mortgage, CitiMortgage. I also have a HELOC with XXXX. CitiMortgage wants me to supply a copy of the " NOTE '' for the XXXX HELOC. I contacted XXXX for a copy of the " NOTE ''. They supplied me with a copy of the notarized signed HOME EQUITY LINE OF CREDIT AGREEMENT AND DISCLOSURE STATEMENT and said that is the NOTE. CitiMortgage is telling me that it 's not and I have to get XXXX to send me the NOTE or a certified letter stating they do not have a NOTE. I spent XXXX hours this afternoon getting the same answers and no resolution. My complaint is why is XXXX banks documents not official enough for another bank? And why is it okay for CitiMortgage and XXXX to require different documents for the same house that when it was purchased and financed 8 years ago by both Banks this said document was just fine? I do n't know where to go from here. I ca n't get the document that CitiMortgage says I need from XXXX. As far as I know or can remember I never received or signed anything other than HOME EQUITY LINE OF CREDIT AGREEMENT AND DISCLOSURE STATEMENT from XXXX. Can someone tell me and both banks what is really needed here? I have n't defaulted on my loan, I 'm not asking the bank to reduce my principle, I just want a better interest rate so that my payment wo n't be so high and I should n't be put through all this nonsense. Bank loan documents whether conventional loan or Home Equity Loan should be standard. It 's your house/home that 's the collateral. And why are there all these closing costs when your financing with the same bank, they already have the title insurance, they already have the deed of trust, they already have the original appraisal and now the current appraisal
Product: Credit card

On XX/XX/XXXX Chase Bank notified me stating that my accounts have been closed. 
How is received letters from them? 2 separate locations? One stating that they close my account on the XXXX. The The sapphire account was closed on the XXXX of XX/XX/XXXX I received a check for {$27.00}. 
About a week later I received a second letter stating. I was going to receive a cashers. Check in the amount of XXXX XXXX XXXX dollars I never received said check. 
I contacted the bank XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX was told by customer service that they needed to transfer me to the fraud department. Spoke with the lady in the fraud department. She stated to me that I. Needed you to verify my identity. So I did such. Once I verified my identity to her. Explain to her the letter and she stated to me that the account had been closed and there was no money in the account. Because the online account was holding my money hostage until they get a green light. And they get a go that I can get my money back. Why would a bank send you a letter stating that they sent a casher 's check? Knowing that this had never happened. 
In my eyes that's considered as Theft. 
So if we as citizens are charged with theft? When we steal something, why is the bank not liable And not be accountable for their actions.
Product: Credit card

I hope this message finds you well. I am writing to address an error on my account that is causing me significant distress. Despite consistently making payments on time, there appears to be an incorrect late payment entry. This situation is impacting my mental well-being, leading to sleep disturbances and increased stress. 

I kindly request an immediate correction to my account to reflect my accurate payment history. I believe this adjustment is crucial to maintaining the integrity of my credit record and alleviating my current stress. I appreciate your prompt attention to this matter and hope for a swift resolution. 

Thank you for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion page 10 of 11 File Number XXXX alternative credit inquries inlast 3 months 2 and last 6 months 2 I have not applied or requested credit for nothing.
Product: Credit card or prepaid card

I was offered 11.95 % at the the time of application. They generally honored it until recently. Late in XXXX I was bullied by feeling over pressured by a representative by the company asking my permission to increase rates. I politely said " no '' by explanation that I was offered the rate and it was why I applied. She mentioned something about don't I want to increase my limit. I said I haven't applied for it because of the threat of the increase in rates. She asked again. I politely explained " no '' in a certain way. She rebuttaled another thing ... This is upsetting because someone told me she broke the law by continuing to ask but I have a XXXX XXXX and it was not explained to me that I have a choice. My rate should be lower. I still have the same limit. The limit isn't the problem. It is the interest rate. I will now stress myself out to pay it off each month if it gets high when as before I would just be willing to pay it. I don't deserve this. I haven't been charged interest on the new rate but as it stands I don't intend to...
Product: Debt collection

Received calls from a restricted number on XX/XX/19 and did not answer. Then received a text from my mother who stated that Assset Recovery Associates called my mother, my step-father, and my stepbrother stating that I was wanted for arrest for check fraud. Gave them the case number and extension. When I called the number they stated that I would be arrested if I did not admit to the debt. When I asked for a verification letter they refused to send one stating that one was sent out already. No one received a letter. They would not give information about debt or who it was from. I told them to stop contacting my family and other third parties ( called my job as well ) and telling people that I was wanted for check fraud. When I asked about this check fraud accusation that denied. I have a voicemail with this accusation.
Product: Credit reporting, credit repair services, or other personal consumer reports

2020 i discovered a fraudulent bank loan account on my Experian credit report. I've been disputing this same account 2 years now till the present day. I've sent in countless police reports after police reports dispute after dispute. i had Experian to put a fraudulent alert on my credit file. after these exhausting couple years of disputing with Experian credit bureau gives me no hope to resolve this issue with XXXX XXXX XXXXl lending intuition reporting a fraudulent account to my Experian credit report. i pray this complaint gives me a great opportunity to see this fraudulent account removed. Experian out of 2 years never mailed me the proof i requested in the 30 days to show me that this fraudulent account belonged to me.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Incorrect Information Dispute with TransUnion I hope this message finds you well. I am writing to address a pressing issue regarding the information on my credit report with TransUnion. 

Upon utilizing the dispute feature on their website, I encountered challenges in rectifying inaccurate and detrimental details associated with my name. Unlike other credit agencies such as XXXX and XXXX, the TransUnion system appears to be automated, lacking the option to submit a claim or documentation for updating AKA ( also known as ) listed names. 

While XXXX and XXXX promptly resolved similar issues by allowing me to upload relevant information and a detailed letter explaining the matter, TransUnion 's dispute options for name changes have consistently resulted in automatic rejections. The accompanying message suggests an inability to update this specific information. 

I am reaching out to request urgent assistance in rectifying these inaccuracies. The information in question is not valid and must be promptly removed from my credit report. To facilitate this process, I am prepared to provide any necessary documentation to support the correction of my personal details. 

I kindly request your prompt attention to this matter and guidance on the appropriate steps to rectify the inaccuracies on my TransUnion credit report. Your cooperation in resolving this issue is greatly appreciated. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan that's been on my credit for 15 years I've been trying to remove it for 5 years by disputes. Experian will not delete.
Product: Mortgage

My mortgage company ( currently Home Point Financial Corporation, formerly Stonegate Mortgage ) provided me a notice in writing on XX/XX/XXXX that my mortgage insurance premiums would be removed when I reach a loan-to-value ratio of 78 % or lower and make 60 monthly payments. I did this, however, they kept charging me the premiums. They over-charged me by {$580.00}. They have stopped charging me, as of XX/XX/XXXX. 
I have made attempts over the phone, via email, and through their customer portal online to request the refund, however their response is that they looked into it, and that I'm not owed a refund. They will not tell me who I can talk to in order to appeal the decision
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never authorized, consented to nor benefited, from the following accounts/injuries, please remove the following within 4 business days pursuant to 15 USC 1681 : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Navy Exchange wrongfully cited me as owing on a account that was already paid. This check was made after everything was paid. The payments were taken out of my retirement paycheck.
Product: Debt collection

For 3 years Allied Interstate has been calling for an unknown person to me, XXXX XXXX, and will not stop with the calls no matter how many times they have been told to remove our phone number. Speaking to a supervisor does not help either. I am told they are sorry and will stopand then the calls happen again and again every day, several times a day, morning or night. They are making our lives a living hell even with a answering machine.
Product: Mortgage

Utter and complete incompetence throughout the entire process. I would never use a chase loan product again. 

I am a XXXX XXXX and a XXXX  XXXX XXXX. I understand loans and how to get them. I sent them every required document with in 48 hours of requesting it. The loan was approved and all set to go. 24 hours before close they found 'problems ' and needed more documents. Which we provided. They strung us along for about 2 weeks after that ignoring calls and emails. Continually blew deadlines and expectations. The issue was around low income ( but massive assets ). They still stated that they were able to provide the loan in a program for folks with low incomes but high assets. But after about 2 weeks they said they would not be able to put is in that program, that it was only for a primary residence. Which is enraging as they knew all along it was an investment property but strung us ( and the seller ) along. Chase also advertised a " Closing Guarantee '' If Chase is at fault missing your closing date ( which they clearly were ) they will pay you {$1000.00} See Here : XXXX XXXX   XXXX I did not expect to get this mainly because they were so bad at everything but it sure feels like false advertising to me. 

Fine through all of that I could at least accept their incompetence. We bought it cash. However I am still waiting on them to refund this {$500.00} deposit I put down. 

I am happy to give a more complete and detailed explanation at a later date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX XXXX XXXX shows derogatory information on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Checking or savings account

i went to see about opening a credit card account at bank of america i had a savings account with them XXXX  ca.

the manager XXXX said if i opened a checking account and sent my pay checks in to that account i would receive {$150.00} bonus it would be completely free to use the card no monthly fees i would also earn bonus money for using the card for goods and services " keep the change " i did not recieve the {$150.00} bonus they started charging me {$12.00} per month i tryed to close the account by visiting the bank they said i have to ring them when i rang they said i have to visit the branch when i visited the branch they said i had to see XXXX XXXX was never available the account continued to deplete my funds until it ran dry I am below the poverty line less than {$5000.00} a year
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Mortgage

On XXXX/XXXX/XXXX Wells Fargo notified us via mail they had sold our Reverse Mortgage to XXXX XXXX of XXXX, TX effective XXXX/XXXX/XXXX. We are not in default and have faithfully paid all taxes, insurance and upkeep to the property. We have ask how to go about making lump sum payments to reduce our loan but never received an answer. We now find XXXX XXXX is a substandard company and has a lawsuit filed against it by XXXX XXXX thru XXXX. The XXXX of Texas list them as " F '' and advises XXXX XXXX not to deal with them. As a result of Wells Fargo 's actions we are now forced to deal with a company who has a history of preying upon XXXX XXXX
Product: Student loan

I got two private student loans from XXXX XXXX circa XX/XX/XXXXto XX/XX/XXXX. In the following years, my customer service interactions were appalling. Automated systems, outsourced call farming, and lies. I have made payments since the very beginning, and made a lot of contact about creating a payment plan I could afford as an independent working college student. They told me I could choose between income driven payment plans and forbearance. And then refused to allow me to do the first. This means that at times in my life I could pay them, I was beurecratically bullied out of this plan. This goes beyond advising poorly. The company or it's representatives refused to allow me to make payments on my principle for the longest possible time, then sold my loans to Navient. Sketchy and gross practices.
Product: Mortgage

{$860.00} has been paid to Carrington Mortgage LLC since they took over my mortgage from XXXX XXXX XXXX. They have taken more money than what is required for the monthly payments yet it does not reflect the payment amount made on Carrington 's website. The principal has increased on the house for no reason and when I asked XXXX XXXX for an inquiry, Carrington mortgage refused to comply with credit karma and the account of Carrington Mortgage was removed and they no longer report on my credit report. But what is the most concerning issue is the raising of the principal on house, it is not an accounting error, is it a deliberate act of hiding the payment, the amount and the transaction. <P/>I have records of every payment thru XXXX XXXX, please contact me or XXXX and I will release that information as necessary. <P/>Thank you, XXXX XXXX XXXX