23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home burned on XXXX XXXX XXXX. I finally got the insurance check and over-nighted it to DiTech Claims Dept., XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, SD XXXX ; on XXXX XXXX XXXX.  DiTech received the check and marked my loan paid off on XXXX XXXX XXXX. DiTech issued me a check for the overpayment of ( {$62000.00} ) on XXXX XXXX XXXX and I received it on XXXX XXXX XXXX. However, the check had been issued with my XXXX husbands ' name - and - mine on it, making the check worthless. I called DiTech and explained the problem with the check to them. I was advised to over-night the check back to them and given the address. I was told that it only takes 7 - 10 days to reissue a check. I sent the check back on XXXX XXXX XXXX. I received the titles to my burned double wide in the mail on approx. XXXX XXXX XXXX, since DiTech had taken the money and paid off my mortgage. I called Customer Service ( XXXX ), on XXXX XXXX XXXX, spoke with XXXX. I was told that the check was received and forwarded to Payoff on XXXX XXXX XXXX. This time I was told that the check would be reissued in 10 business days. XXXX XXXX XXXX XXXX, I called again and spoke with XXXX. I was told that the claims and payoff departments were arguing over who had to reissue the check. I was told to call back and speak to the claims dept. I did, and spoke with XXXX. After some checking, I was told again that I should have the check in 7-10 days. On XXXX XXXX XXXX, I called again and spoke with XXXX, then transferred to XXXX ( XXXX ) in claims. XXXX said that she was checking with her mgr. and would call me back with more details. * She never called back. * On XXXX XXXX XXXX, I called again and spoke with XXXX in claims and was told that they had nothing about it and to call customer service. I did and spoke with XXXX. She got an attitude with me and said that there was no check. I have been drug around for two months. DiTech has had a copy of my XXXX  husbands ' XXXX certificate since he XXXX four years ago. Our titles said - or - NOT - and-. All they had to do was reissue the check with his name then - or- my name. My granddaughter and I have been drug around enough.This has caused me an enormous amount of stress. This company is intentionally dragging this out. PLEASE Help.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would really like this account immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX Account XXXX XXXX In accordance with The Fair Credit Reporting Act, Public la 91-506, Title VI, Section 611, please provide the names and business address of each individual with whom you verified above follow up. Please send me a copy of my credit report after your reinvestigation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of an account from my credit report with XXXX and Transunion. I have recently discovered that this account has been successfully removed from my credit report with XXXX Information Services, as evidenced by the attached documentation. 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Collection Account Date : XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XXXX XXXX XXXX  It is imperative that XXXX and Transunion update my credit report accordingly to reflect this accurate information. The presence of this account on my credit report is misleading and can negatively impact my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( MOHELA/XXXX ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 
Under 15 USC 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXX XXXX Date Opened XXXX XXXX Balance Owed : {$1800.00}, MOHELA/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, MOHELA/XXXX XXXX Date Opened : XXXX  Balance Owed : {$2800.00}, MOHELA/XXXX XXXX  Date Opened XXXX XXXX Balance Owed : {$4200.00}, MOHELA/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$790.00}, MOHELAXXXX XXXX Date Opened : XXXX  Balance Owed : {$2000.00}
Product: Mortgage

Personal home on a VA mortgage went under contract on XXXX XX/XX/2023. VA loan assumption application was filled out and mailed to Freedom mortgage on XXXX XX/XX/2023. Loan application was received and loan application processor reached out in early XXXX. Phone meeting was setup to review required documents and documents were mailed via postage as required by Freedom mortgage within 2 days. Documents were verified received by postal service. Freedom lost buyers ' documents with identifiable information resulting in a stolen identity issue that was necessitated extra work. In XXXX, loan assumption application was finally approved and assigned to another processor. XXXX stated that he was overloaded with assumption applications. The process of getting to underwriting took over a month. In XXXX, the assumption package was finally submitted and after several weeks was returned and required a second contract extension. Underwriting required that contact terms be changed regarding land purchase for cash as part of the contract in order to make the assumption go through. After making the requested changes, the inundated loan processor missed or avoided several voicemails and emails regarding title work as well as several inquiries from both buyer and seller regarding the timeline for completion. After several iterations of submitting work to title and having it sit idly for several weeks, requiring more contract extensions, I requested to speak with a manager. It took weeks just to get a manager to respond. When the Freedom Mortgage phone is called an operator answers but has no extension or transfer to a loan assumption department. Additionally, throughout the process, I received dozens of calls and letters asking me to refinance my loan which seemed both out of touch, distracted from the assumption, and offered no hope of progress. Finally, after nearly threatening to call continuously until progress was made, I received a call from the loan assumptions manager. She was apologetic and completely unaware of our extended timeline for the assumption. Additionally she offered to put a rush on our assumption package and later that day, we received the cleared to close. This process with Freedom mortgage was disjointed, far from seamless, antiquated, a security risk, stovepiped, negligent, criminally slow, and seemed intentionally so. I relaize an assumption offers little to no benefits for Freedom over a new loan but there is an obligation for VA loans and to the consumer. This I feel strongly is where they failed in their negligent execution of the entire process. This resulted in significant delays, multiple expenses, additional mortgage payments, and delay in executing a military PCS move for a family on orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX that I paid in full XX/XX/2020. Usually XXXX, Exquifax and XXXX updated my auto loan on the XXXX of every month, but this time they didnt update my information. Because of this my pre-approval was recinded and now I can not secure my mortgage for my new home. I tried to contact XXXX XXXX directly and they advised that did their part, they sent the letter on XX/XX/2020 advising all 3 credit reporting agencies that my auto loan was paid in full. Its dishearting that the 3 reporting agencies are quick to report incorrect information, but slow to correct/update their inaccuracies. That fact that I am no longer eligible for my mortgage over this is unfair, biased and causing me financial harm.
Product: Credit reporting or other personal consumer reports

After review of my reports in XX/XX/2023 I notice accounts that were incorrect and untrue. I disputed the information in hopes of some clarity. Ive never received any mail nor correspondence of an investigation nor its findings, within 35 days i attempt more answers. I sent another letter explaining how my rights have been violated and i also submitted an FTC report because this is a clear identity theft situation, i asked to block this account within the four days allowed by law and as of today Experian has failed to comply to the govern laws that are applicable to this company. XX/XX/2023 complaint ID XXXX was my 3rd attempt to block information in accordance with 15 usc 1681c-2 on my consumer report within the grounds of the law and still the violations exists. Please remove delete and or block XXXX fraudulent information for my consumer report. 

CC : Attorney General CC : XXXX
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX ON XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX ON XXXX are inaccurate and must be removed.
Product: Mortgage

DITECH Financial LLC, mortgage servicer of my XXXX loan, is in noncompliance with Recasting my loan that I qualify for after meeting all six year requirements ( per directive of Dodd-Frank HAMP {$10000.00} principle reduction incentive ). Since XX/XX/2016, DITECH has delayed implementation of my Recast. I have filed nearly a dozen complaints with DITECH as well as with XXXX and my US House of Representatives -- The Honorable XXXX office. Please help in getting DITECH to comply.
Product: Mortgage

Our mortgage loan was transferred to LoanCare in XX/XX/XXXX. During that time they failed to pay our Taxes on time, in fact they paid them a year late after a penalty had all ready been added. Here we are once again in the same situation. When they finally paid the XX/XX/XXXX taxes they next day they drafted our escrow account and took out the XX/XX/XXXX taxes so that was on XX/XX/XXXX. Here we are XX/XX/XXXX and the Tax Assessor has not received payment. I have notified the company since XX/XX/XXXX of this and still not able to resolve this issue, and now a penalty has been added. Our payment has gone up about {$400.00} due to the fact they are not calculating the escrow correctly. I have been in contact with the Tax Assessor we live in a small town and everyone is very familiar with one another and they have not received any calls from Loancare concerning this issue. Every time we call we get the run around. It does not take 3 months to locate a missing payment and reissue a check. I do n't know what else to do I am grasping for straws. I have asked to speak with a manager and I do n't get any where all they say is that they will escalate the issue. I have yet to receive a call back from them but I continue to call them weekly.
Product: Credit card or prepaid card

On XX/XX/XXXX I placed an order for a dining table, a breakfast table and 4 chairs for {$1500.00} ( XXXX including tax ). I initially was told that the shipping would cost from XXXX to XXXX dollars by the manufacturer. But later, they came back with a shipping price of more that XXXX dollars which was way above my budget, leaving me no choice but to find a different shipping company on XXXX The shipping company gave me a quote of {$680.00} and took charge of the items from the manufacturer ( or so the manufacturer claims ). At this point they started holding the items XXXX and asking for more money ( XXXXXXXX XXXX ). I reached out to XXXX to resolve this and talked to someone named XXXX XXXX from customer service. They basically refused to help. 
I tried to resolve this with the shipper multiple times by asking them to adhere to the agreed upon price. However, they wanted to keep items so they can sell themselves and make more money. They resorted to threats and profanities. 
On XXXX, i applied for a refund from XXXX. They have not reached out to me for additional information but have been in contact with the manufacturer and shipper. 
I have not received ANYTHING from the manufacturer or shipper. 
I am owed the full amount of my receipt. 
The receipt, contract, invoice is attached to this letter as requested. Per the policy I have applied for a refund via XXXX website, but have not received anything. 
Here is the policy details from XXXX website : Your actual payment will be fully covered If the quality of the products does not match the standards set in your contract or the supplier did not ship the goods on time, you will be eligible for a refund within 30 days of delivery. 
Regarding the circumstances surrounding the merchants failure : The manufacturer/ shipper are trying to defraud customer by making them pay for furniture and trying to also sell the furniture by themselves. The merchant XXXX is enabling this behaviour by turning a blind eye. 
Order number : XXXX cancellation case number : XXXX ( rejected by XXXX ) I opened this dispute with my bank of america credit card and provided them all the evidence. Despite that, they charged me the full amount of the transaction saying that i received the goods which i didn't.The goods were delivered to new jersey based on the documentation provided by merchant whereas i live in texas.
Product: Mortgage

XX/XX/2020 I emailed company and demanded them to open onetime payment portal for my use. Company has not opened portal and is demanding payment only by certified check. Im on XXXX XXXX status with the Army and have to leave post in order to purchase a check to mail for payment. My schedule does not allow time to do this. Servicing company gave no warning on being restricted to payment by certified check only.
Product: Credit card

On XX/XX/2016, I made a payment on my XXXX XXXX Citibank XXXX for {$2000.00} from my XXXX Checking account. The credit was applied to the credit card acct and the money was deducted from my checking account. Later the money was added back to my credit card stating that the payment was rejected by XXXX how ever the money was never returned to my checking account. Following a three way call between both banks XXXX was able to provide an ACH Fed Trace number showing that they had given the funds to Citibank on XX/XX/2016. I have requested numerous investigations by both banks and both says the other has the {$2000.00}. At this time the payment has not be applied to the account and the money has not been returned to my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed below are not mines. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX This accounts listed below are more than 10 years old. By law those accounts should be deleted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX
Product: Student loan

This company broke the terms of the accord set by the check I sent them which they have already cashed. I informed them that I will be sending them a conditional endorsement check payment by sending them a letter last   XXXX   XXXX  , 2017. Attached with this complaint is a screenshot of the USPS tracking page where it shows, they received my letter last   XXXX   XXXX  , 2017. I then sent them a check dated   XXXX   XXXX  , 2017, which cashed. Clearly the condition on the check says, " to delete the negative reporting from my credit report for check to be cashed ''.
The check has been cashed and the negative information still remains. This is a violation of California Civil code. Please see attached files proving this company 's violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I had issues checking my balance and payment history using Cash 1 phone app and it was after normal business hours, so I called them the next day to discuss my loan. I requested a copy of my contract with loan terms and am puzzled as to why I have consistently been making payments of {$250.00} every two weeks and my balance remains close to {$3000.00}. None of my payments have been going towards the principle for almost a year. Also discovered Cash 1 has been submitting payment requests to my bank account ending XXXX 1-2 days prior of the due date, which is causing issues to my account. This gross mishap has taken place previously but definitely happened on XX/XX/2023 which is prior to my actual payday. I find this very unethical. Also because of the balance never going down, I can no longer afford to continue these high payments. The payments of this loan are higher than the Nevada payday loan limit per my income. Nevada limits payday loans to 25 % of their income and for some reason it is way over that regulatory limit. I request ( 1 ) a Cease and Desist of all collection activities until ( 2 ) a complete audit of my loan has been performed. ( 3 ) New affordable Loan terms are created to match my monthly income or ( 4 ) an agreeable settlement offer to conclude this loan or ( 5 ) if this loan has been found to misrepresent the terms and is deemed " predatory '', then the loan should be rescinded and brought to a XXXX balance, and no longer leaving me liable for the loan.
Product: Credit card

This complaint is for the disputes : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

On XX/XX/XXXX, I booked flight for my family on XXXX for a total of {$21.00}. However, it appears that they charged me 7 times of {$890.00}. This is an overcharge which is already investigated by XXXX XXXX and as well as XXXX. I contacted them by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They got back to me on XX/XX/XXXX promised me a refund by email by sending me a credit slip. XXXX XXXX also emailed me back on XX/XX/XXXX confirming the same. Please see the attached email of confirmation for the evidence. Please help me with this dispute and get my money back. 

I contacted AMEX on XX/XX/XXXX to file disputes for those charges. As those charges are at the same amount, AMEX customer service and dispute team agent had a hard time to file them correct. As of today, after many re-open and explanation to AMEX, the people are still messing up the dispute reason for these disputes and this is the main reason why I can not get my money back. AMEX agents open duplicate, wrong dispute that made there are more than 40 disputes opened for 7 charges. I understand this might be confusing but this could be handled in a much more professional way. See attached file for the confusion. 

I would like to dispute this as XXXX ( the travel agency ) wrongly charged my account and XXXX XXXX ( The airline ) already confirmed that. They all promised me a refund for all 7 charges more than 4 weeks ago and till now I have not received anything. See attached file for the evidence from Airlines and Agency.
Product: Credit reporting or other personal consumer reports

XXXX is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX  is reporting M & T bank on my report. Also, they have failed to provide my accurate and Only information on my report. again my only name is the showed above and i have provided legal documents showing my one and only name along with my one and only address. they have 3 different names on my report and neither names match the name provided my M & T bank. 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified several " hard inquiries '' on my Equifax Consumer Credit Report that were unauthorized, or that I do not recognized. These inquiries were already disputed with Equifax over ten ( 10 ) months ago. However, it appears that Equifax failed to process my dispute and/or respond to my inquiry. The inquiries in question are : EQUIFAX MORTGAGE XXXX ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX  ( XX/XX/XXXX ; Unrecognized ), EQUIFAX MORTGAGE SER XXXX XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX  ( XX/XX/XXXX ; Unrecognized and duplicative [ two occurred on the same day ] ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ). Equifax only had thirty ( 30 ) calendar day as per the FCRA to process my dispute. Equifax is currently in violation of federal law and must rectify the situation immediately. The removal of the disputed inquiries would be sufficient to resolve this matter.
Product: Credit reporting or other personal consumer reports

I was stunned to find incorrect accounts on my credit report this morning, with no explanation for how they got there. When I checked my credit report, like I usually do, I was taken aback by these sudden discrepancies. I even refreshed my browser, thinking it might be an error, but the inaccurate accounts stayed. I'm very anxious about this and ask that the documents I've provided be reviewed thoroughly, so I don't have to go through this again.