23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I began our relationship with XXXX XXXX XX/XX/2015. His company is : Cherry Creek Mortgage , Inc. 
XXXX XXXX XXXX XXXX, # XXXX XXXX, CO XXXX XXXX # XXXXOur purpose in contacting XXXX XXXX was for the purpose of refinancing our XXXX mortgage. XXXX XXXX also found a financial institution to refinance our XXXX mortgage. Things seemed to be progressing smoothly. XXXX XXXX advised us verbally not to pay our XX/XX/XXXX mortgages as we would be closing on or about XXXX/XXXX/15. As you can see by the emails I have attached to this complaint, XXXX XXXX continued to advise us not to pay XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX mortgages. And then, ultimately we would have to pay those months causing us to be late. On XXXX XXXX, my wife sent XXXX XXXX an email expressing our frustration that he does not return our phone messages and we have no idea why these refi 's have not taken place yet. My wife left XXXX voice messages on XXXX XXXX 's voice mail on Tuesday XXXX XXXX and send him the final email attached. We never received a response. My wife and I are now faced with losing our home because we now have " late '' payments on our mortgages and are not able to re-fi with another institution. XXXX XXXX is incredibly unprofessional. He does not respond to emails nor does he return phone calls. It should not take 6-7 months to do a re-fi.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint Against OneMain Financial Regarding Unwanted Insurance Policies, Refund Issues, Vehicle Title Access, and Predatory Lending Practices Dear CFPB, I am writing to formally file a complaint against OneMain Financial regarding my loan account opened on XX/XX/XXXX. My experience with this company has raised serious concerns about their business practices, particularly relating to insurance policies, access to my vehicle title, and the exorbitant interest rate. 

Upon securing the loan, I was subjected to a predatory interest rate of 33.3 %. This rate is not only excessively high but also raises concerns regarding their lending practices. I believe this type of lending is predatory and exploitative, particularly given my financial situation at the time. 

In XX/XX/XXXX, I canceled the disability and life insurance policies that I had unknowingly purchased and requested a refund for those policies. Despite my request, OneMain Financial has failed to process this cancellation or refund. 

Additionally, my loan is secured by my vehicle. In XX/XX/XXXX, I contacted OneMain Financial to request the title for my vehicle, as it is being salvaged. I was informed that I need to apply for a new loan to obtain the title, which I believe is unjust and unreasonable given the circumstances. 

Details of my complaint are as follows : Date of Loan : XX/XX/XXXX Amount of Loan : {$10000.00} APR : 35.99 % Nature of Complaint : Unknowingly purchased insurance policies, failure to process cancellation and refund, unreasonable requirements for vehicle title access, and predatory lending practices. 

I am also aware of the ongoing lawsuit against OneMain Financial for deceptive lending practices, which further underscores my concerns regarding their conduct. 

I request that the CFPB investigate this matter and assist me in resolving it. Specifically, I would like to : 1. Ensure the cancellation of the insurance policies and the processing of the requested refund.

2. Facilitate access to my vehicle title without the requirement of applying for a new loan.

3. Address the predatory lending practices associated with the high interest rate on my loan.

4. Hold OneMain Financial accountable for their misleading practices. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

I have an RV loan with Bank of the West, which was recently acquired by BMO. As part of the acquisition, communications were sent to customers that stated that automatic ACH withdrawals for loan payments will need to be set up again on the new BMO portal. 

After I followed these instructions, Bank of the West / BMO withdrew two monthly payments several days apart - one as part of the new automatic transfer that I set up following their instructions, and one as part of the existing authorization that remained effective, unbeknownst to me.

I contacted BMO who stated that they would refund one of the payments by mailing me a check. It has now been almost a month and I haven't received the refund, and my loan still shows the same balance on the web portal. 

The incorrect instructions remain posted on their website.
Product: Debt collection

The problem its with CONNS XXXX. At the time of the purchase. They give me two lines of credit. Spread the total between both accounts to I dont see the extra insurance and warranty they add without informed me. When I get late, they add a huge amount of interest and call me everyday about 8 to 12 times a day. At the time of the purchase 3 years ago the cost was {$5800.00} and as todays day I have pay {$3900.00} and they said Im still own to them {$7100.00}, how its this posible?
Product: Credit card or prepaid card

the payments made are not being credited to my account when received and a mandatory hold was being placed in the payment. I have addressed the issue with the customer service of Barclays in XX/XX/2022, but the issue keeps on happening and can not explain the reason. 

Barclays does not have a reason to put a hold to my payments, no payments has been returned since this account has been opened. This account has been in good standing. This is unacceptable and unfair. It seems like my account has been targeted. 

i would like your agency to conduct an inquiry.
Product: Debt collection

collection agency say that the account is accurate, please validate it. 

please view attach documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has disabled it's website and/or my account discriminating against me as a consumer from disputing inaccuracies, incorrect, fraudulent data with them directly. TransUnion in conjunction with the following credit data furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has and continue to violate several Fair Credit Reporting Act laws. As a consumer I would like to exercise my right to the applicable following laws : 15 USC 6801 Protection of nonpublic personal information, 15 USC 1681a.2 Exclusions 15 USC 6802.a, b, c Notice Requirements
Product: Debt collection

Icsystem inc I did not authorize you to put this on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

This loan is in foreclosure, and the homeowner had successfully completed a HAMP Trial Plan with the servicer XXXX, making her 3rd payment on XX/XX/XXXX. The servicer then changed to Caliber. On XX/XX/XXXX we received the permanent HAMP modification, however, while the trial payments were for {$1400.00} per month, the permanent mod payments in the first version of the modification we received were for {$1900.00} per month. We pointed the discrepancy out to Caliber 's attorney on XX/XX/XXXX. Three weeks later we received the revised modification agreement with the corrected monthly payment, on XX/XX/XXXX. The agreement stated that it was to be returned by XX/XX/XXXX, essentially giving us just one business day, which was the Friday before XXXX. XXXX was out of town for the holidays and we sought clarification regarding an ambiguous instruction on the modification, for which we received clarification on XX/XX/XXXX. We sent the signed, notarized agreement out that same day ( XX/XX/XXXX ) and Caliber acknowledged receipt the next day. Nearly four weeks later, on XX/XX/XXXX, we were notified that the date was missing on the signature page of the agreement, and that we should re-sign and re-send. Four business days later, on XX/XX/XXXX we sought clarification as to where to send the corrected modification. Caliber 's attorney replied that same day and the corrected modification was sent out the next day. Caliber acknowledged receipt of the corrected modification on XX/XX/XXXX, just four days after Caliber 's attorneys provided clarification as to where to send it. On XX/XX/XXXX, we were informed by email from Caliber 's attorney that the modification was cancelled because the homeowner " failed to execute and return the agreement ''. Caliber 's attorneys also stated that HAMP would no longer be available to the homeowner We believe that timeline speaks for itself. The initial delay was primarily caused by Caliber incorrectly calculating the initial final modification, which they then had to revise. Subsequently, it took Caliber nearly a month to inform us of the missing date and the need to re-execute, which we did promptly. Punishing the borrower for this delay by revoking the HAMP modification and taking the position that it is no longer available is completely unfair. Please help us with this matter, the borrower is terrified that she is going to lose her home. 

Thank you for your time.
Product: Credit card

I was a customer at Chase Bank. They let {$15000.00} of my money go a couple months ago. It was a fraud charge. Someone stole my phone my credit cards debit cards from my car. Ive been working with Chase to try and get the money back. I even have a police report And they denied me I need help. This is a lot of money just to lose.
Product: Student loan

This private student loan was purchase from my original lender, XXXX XXXX, by Firstmark Services. I have XXXX issues : 1. I should have 12 months of forbearance, of which I'm on my XXXX months. They say I have 12 months available, but can only account for 10 months used. When I ask why I can't access the other 2 months, they say I must have already used them, but have XXXX record of this. I know I have not used those 2 months. They say they can not access those records from XXXX XXXX... if this is the case, how do I know they have accurate information regarding my loan at all? 

2. These loans were obtained to attend the XXXX XXXXXXXX XXXX XXXXXXXX, which has since been deemed a fraudulent school. My federal loans have since been forgiven due to the DOE Borrow Defense to Repayment application being granted. I believe the same rule applies due to the FTC 's " Holder Rule ''. 

I've reached out to Firstmark there response was first that they could not find my records on file and then " We regret to inform you that your loans are private loans and your lender does not offer forgiveness due to school misconduct. '' They did not offer any further support, advocacy, XXXX XXXX XXXX, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is a failure
Product: Credit reporting or other personal consumer reports

I'm REWRITING to complaint to TRANSUNION about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Credit reporting or other personal consumer reports

When assessing my report on Experian platform the accounts show up twice for the same account number. Then Experian removed an account that I disputed in XXXX of XXXX for XXXX XXXX and 2 weeks ago it was back on my report. Not only all of this but all the negative infractions on my report are dated back to XXXX whenever I was going through identity theft. Luckily I was able to remove a address and many aliases I was unaware of. This has caused me significant issues with obtaining credit lines and it is very frustrating
Product: Student loan

I emailed Mohela twice, once asking for information on my cancelled loans. They responded to that with an email saying the loans were cancelled and I'd get a letter with more details and a digital copy. That was months ago and I never got a letter or any digital data. 

I emailed Mohela again asking if any of my cancelled loans were eligible for refund of payments made, but I haven't received a response. 

There is no information in my Mohela account about my loans, payments, cancellations, nothing. I would like information on my cancelled loans and refund. 

Thank you.
Product: Debt collection

In XXXX XXXX, I disputed a XXXX Bill for payments made to the account that were not credited and for undefined charges designated as " other. '' I sent via fax proof that payment was made and that the balance XXXX claimed was due was incorrect. 
After many attempts to get XXXX to define the charges and correct the bill, my service was discontinued and I could not access my account in order to get bills and other information to dispute the charges, but do have several key bills that were disputed. 

I sent a Debt Verification Request that was never answered and offered to settle the account with the stipulation that there be no negative information be added to any credit report. 

On XXXX/XXXX/XXXX, I received a letter in the mail from " XXXX XXXX XXXX '' claiming to be collecting on behalf of XXXX. I assumed the payment would go to XXXX, but apparently it did not. 

I was not aware that XXXX sold the account without notice and while the amount owed was disputed before verifying the debt. I noticed on my credit report a new debt opened that I did not recognize named Amsher Collection Services. This is when I realized the payment I was led to think was going to XXXX, was in fact not. 

The amount reported to Amsher Collections was incorrect and over the disputed amount. 

I thought I was paying XXXX. The agreement was that all negative information be removed from all credit reporting agencies or any specialty credit/information agencies and it remains on my credit report. 

Apparently, there are others who have had similar experiences with both XXXX and Amsher.
Product: Credit card or prepaid card

On XX/XX/2022 I reported fraud on my account after charges I did not recognize were made. These appeared as XXXX different transactions from " chewy.com '' I have never made purchases from chewy.com. The representative over the phone, told me that there was nothing else I needed to do. The charges were removed from my account, the card closed and a new card issued. 

On XX/XX/2022 these charges re-appeared on my statement as a " balance transfer '' with no notice from the company. I had no idea what these charges were as all the fraudulent charges were lumped together in the amount of {$380.00}. I had to call the company to find out what this charge was as I have never initiated a balance transfer on my account before. 

When I called they said these charges were never reported as fraud. The representative said they submitted the fraud claim and it would be under investigation. These charges were removed from my account again as XXXX separate charges on XX/XX/XXXX in the following amounts. 

{$94.00} {$63.00} {$55.00} {$55.00} {$40.00} {$36.00} {$34.00} {$2.00} On XX/XX/2022 these charges had again, appeared on my statement as a " balance transfer '' lump sum {$380.00}. Again, no notice or explanation. 
These charges were removed after I called on XX/XX/2022 as the XXXX separate transactions. 

On XX/XX/2022 the {$63.00} fraud reported charge reappeared on my account. The explanation I got over the phone was that this was charged again due to it being accidentally " subtracted twice. '' I don't see this anywhere on my statements. 

The rest of the charges re-appear as a bunch of different " balance transfer '' transactions on XX/XX/XXXX. 
{$2.00} {$4.00} {$4.00} {$5.00} {$5.00} {$5.00} {$29.00} {$31.00} {$35.00} {$50.00} {$50.00} {$94.00} When I called again about this on XX/XX/2022. I was told that the results of the investigation had been completed back on XX/XX/XXXX. I did not receive any physical or electronic mail regarding this. The explanation over the phone did not make sense to me. It seems I am somehow, still liable for these charges I didn't make.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Company name XXXX  XXXX Account Number XXXX XXXXXXXX Company Name XXXX  XXXX Account Number XXXX XXXXXXXX Company Name XXXX  XXXX Account Number XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, XXXX  and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
Product: Bank account or service

Last year, I switched banks to Santander Bank because they were advertising the Extra XXXX checking in which they credited your savings account {$20.00} per month if you met certain activity requirements on the attached checking account. In radio ads, they clearly implied and stated it was not a limited time perk, but " forever ''. I again asked this when I opened the account and was told it would not be changed. In an XXXX XXXX letter I was informed they would be changing my checking account to a simply right checking effective XXXX XXXX, 2016. So now the {$240.00} per year perk has been eliminated. I feel this was an unfair and deceptive practice because I was clearly lead to believe this was n't going to be changed or a bait and switch tactic - which it clearly was for me and the thousands of other people who believed them.
Product: Payday loan, title loan, or personal loan

verified that payday loans are illegal in NJ I am being harassed threatened by someone at this phone number  XXXX
Product: Credit reporting or other personal consumer reports

I have been trying for almost XXXX months to obtain my credit report from Transunion however, their systems have been down. This is affecting my ability to maintain my finances as I don't know what information is on my report but I am receiving denials from companies about my credit report. Currently they are violating my consumer rights.
Product: Credit reporting

Equifax is still reporting a civil judgment on my credit report when it has been paid and should no longer be reporting.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.