23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

my name is XXXX XXXX i am applying to a mortgage refinance for 4 properties with quicken loan and on one of the properties they are asking for full replacement cost for insurance which is unusual in that they are financing a loan for more amount on one of the properties. I have asked for clarification why this unusual request and no one will explain why. there is no other reason other than this property has money that is being taken out and still is under the 80 % amount that they are requesting. 

despite mul ; tiple attempts to speak to XXXX XXXX my primary contact at quicken and XXXX XXXX the person in charge for closing no one will explain this request and is holding up closing. I have been waiting for over 9 weeks. 

also i have requested to speak to management and i have not recieved any answer or any explanation as well. 


i dont know who else can help and something is not right bbut no one will explain this thanks
Product: Debt collection

When we divorced in XXXX, my ex-husband agreed to be responsible for his business debt. In XXXX, Stephen Einstein & Associates tried to pressure me to pay it, I replied right away and then they filed a suit against me in court without proper notification. They wrote me late XXXX XXXX, I called right away and then wrote in the first half of XXXX XXXX and the next thing I knew was that they had filed in court, no notice. It was very upsetting. 

I just read how Atty General XXXX successfully sued companies in XXXX back in XXXX for not providing due process and directly filing suit. Not only is my ex-husband over $ 72K in child support arrearage for our XXXX children, I have been making monthly payments to Stephen Einstein so they wo n't hurt my career. This Civil suit judgment is adversely impacting my career as a XXXX - I 'm the only one providing for my kids. I spent over {$2800.00} for a lawyer trying to avoid this hurting my career. I do n't want my ex-husband 's debt on my XXXX XXXX file - I need this cleared up. XXXX also got the judgments vacated, the payments made returned for XXXX since they were n't properly served. Can you help do the same for a working XXXX resident like me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXccount # XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX account # 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
Product: Checking or savings account

I opened an account with US Bank on XX/XX/XXXX. The account was abruptly closed by the bank, without notice, sometime between XX/XX/XXXX and XX/XX/XXXX. 

I was provided with no notice of the bank 's actions in a timely manner, and had to call the bank in order to receive an explanation. The explanation I was given was a reference to a clause in the banking agreement that stated that the bank could " close the account for any reason, or no reason at all. '' I find it abhorrent that a bank can take such a decision, without providing notice to a customer. I had already set up a direct deposit with my employer, who was going to make a payment in the next week. Had I had not been alerted to the account 's closure by my own enquiries, this could have caused a problem with my pay, affecting my ability to service bills and debts. 

The bank should reflect on its procedures and not subject customers, acting in good faith by depositing money with the institution, to this kind of treatment that can have damaging effects. In my case, I was a proactive customer who was minimally impacted but the bank and the regulators should be concerned by the potential damaging effects that this kind of bank behavior can have on its customers.
Product: Credit reporting or other personal consumer reports

I'm writing to dispute the fraudulent accounts on my Experian credit report, which I believe violate several provisions of the FAIR CREDIT REPORTING ACT ( FCRA ). These accounts were reported as collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$440.00} -- no response, XXXX- {$570.00} -- - no response, XXXX XXXX- {$3900.00} -- - no response Furthermore as for Law 605B, these fraudulent accounts should be eliminated from my credit report. I request that these items be removed in 30 days of this letter as mandated by FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Nordstrom with incorrect reporting. I settled this account on XX/XX/XXXX for and it's paid with XXXX XXXX was I was told by XXXX XXXX that they would remove this account when the info return was updated with XXXX. 

When contacting XXXX they said again they couldn't talked to me about this account. 
I don't understand how I paid this company XXXX but I can't get any information in regards to then updated my credit report.
Product: Student loan

I have been with Navient for probably 12 years now. I have never been able to afford to make payments on my loans, due to my debt being so much higher than my income. Navient never ONCE offered me the option of an Income driven repayment plan. I have talked to them dozens of times over the years.

I found out about it on my own about two years ago and requested it from them. I have been in forbearance ALL of these years while my interest has continued to accumulate and skyrocket my balance into a payoff amount I will never be able to afford and nearly double my amount owed at graduation. I understand there is a law suit against Navient for this matter and I want them to write off my accumulated interest due to their unsavory and unethical collections practices. Please help! 

Had I been on this IDR back when I started asking for help, I would be almost half-way through the commitment as opposed to only a few years in.
Product: Mortgage

I need your help on this file. I received this file after another negotiator could no longer work on it. I have been submitting paperwork since early XXXX. When I spoke to the bank in early XXXX no one could talk to me because they said the client had to fix something regarding my third party authorization. Finally when they fixed it the bank said they could not speak to me because they did not have a FHA addendum on file. When I requested this from the buyers they became angry because they though the short sale process was no were close to being done. 

They have had an offer on this property since XXXX. I can not speak for the other negotiator but I can understand why everyone is frustrated in this process. I received an email from XXXX last weeks stating that she needed additional documents and the XXXX was being order. When I asked her if there was a foreclosure date she said yes and that she would no longer be reviewing the file. 


She contradicted herself because I do n't even think she knew about the foreclosure until I mentioned it. If she was sending letters to the home owner and there were documents missing why did I not receive an email also. My clients speak XXXX so they were probably unaware of the documents that were missing. I received a new offer for this home today and will be getting all the documents in by Monday. Is there anyway that you could please consider stopping the foreclosure of this property on Tuesday XXXX XXXX. I know it is last minute but I will stay on top of this file so we can get his closed ASAP.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed accounts that are not reporting accurately. I see some of my accounts that are showing random late payments when in fact I paid on time. The consumer reporting agencies need to report all information with complete accuracy.

I am concerned as i was not provided with the statements 21 days before the specified date as required under 15 U.S.C 1666b.

These late payments are reporting in Violation of the Fair Credit Reporting Act and must be deleted. 

-Accounts and Dates 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

They are harassing me and talking to me really out of order. You can't try to work with someone with their payments and talk to them crazy. Not good customer service. When I mentioned this to the guy he stated that he wasn't customer service. So, what category does your job description fall under? because when you define customer service they Cashiers, salespeople, management and billing departments are examples of customer service jobs in a retail setting. The hospitality industry is similarly reliant on customer service employees to maintain their reputation. This obviously a billing department because they are calling about a payment towards a bill. I tired to tell them that I was on XXXX  leave and this is why I wasn't able to make the last 4 payments. I had advice them all my credit cards were being consolidated by an company and they would be reaching out to them and would be making the payment as soon as I was back on my feet from being on XXXX  leave. I am single mother trying to handle everything properly. They have threaten me with police and attorneys. They called me today talking about they have been calling me 19 times ; today was the first time since XX/XX/2019 so, if they have been reaching out they had the incorrect number. You cant be willing to working with someone and threating them with a third party etc. And wouldn't even explain to me who the third party was after I asked. This situation should be handled in a different manner from Comenity bank none of my other credit card companies talk to me like the way they do. They are very disrespectful!!!!! A lot things go through my head are they talking to me like due to my race!? are they talking to everyone like this!? It's just out of order to me when I never get nasty with them.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Requested proof of debt via mail. A proof of debt letter was sent certified mail return receipt. Company has not provided proof of debt and still continues to call. Also, they have reported this incident to the credit bureaus when I requested them not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with my credit report with XXXX. XXXX report about someone else account on my credit. The name and date of birthday of that girl similar to me and she is getting services from XXXX but did not make a payment of {$220.00} which is due on XXXX XXXX. Because we both have same names and date of birth, so XXXX put this due bill on my credit and going to decrease my credit score. It happened with me second time, earlier they put credit with same name who was customer of bell. Even in my whole life i am not customer of XXXX and XXXX. So, everytime they just match my name and birthday with someone who doesnt pay the bills on time and put myself in trouble. So, that is why, i want to make a complaint against them because they do not check whole information like Social insurance number or other specific documentation. Can you please reach out to them so that they can remove this false information from my credit report. I will look forward to hearing from you. 
I will really appreciate that if you can help me. 
Thank you Have a good day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX    (Original Creditor: XXXX XXXX) XXXX, XXXX    (Original Creditor: XXXX XXXX) XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX ,
Product: Credit card or prepaid card

Closed a XXXX XXXX account that had a credit balance of {$150.00}. My overpayment ( refund ) was returned in the form of a XXXX  debit card that expires XX/XX/2023. The paperwork accompanying the card states it is a prepaid XXXX managed by XXXX XXXX XXXX and that it is issued by Fifth Third Bank, NA. 

Complaint : The aforementioned Mastercard can not be activated for use rendering it if no value as evidenced by : 1 ) Call to activate number- The decal affixed to the face of the card states you must call ( XXXX ) to activate the card for use and to obtain a PIN code. The XXXX number disconnects immediately regardless of time of day or phone from which its called. 2 ) The call in support number ( XXXX ) also doesnt work similar to # 1. 3 ) A means of managing the card via a website is also listed as an option : ( XXXXXXXX ). The site requests the card number, the CVV #, and the zip code associated with the account. Accurate entry of the information yields a not recognized response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to Upstart Loan Operations about a 30 days late payment report on my XXXX credit report. They told me and also sent me an email stating that they will investigate the issue and provide accurate report to the credit bureau. 
It has been over days now, my XXXX credit report shows 30 days late in XX/XX/XXXX. On XX/XX/XXXX, I reached out again to Upstart about the same issue. They stated that they would look into the issue. They sent me an email stating same. 
Today, XXXX, I got a notification on my XXXX credit report that I had a 30 days late in XX/XX/XXXX. 
Upstart is not willing to fix the issue an now whenever I call they transfer me to one person to another and tell me they would look into the issue. 
From XXXX XXXX till date, it has been over 30 days and the issue has not been fixed. 
Back story, In XX/XX/XXXX, I requested a hardship assistance which I was informed that they would report to the credit bureau if approved that the loan is modified which was fine with me and they told me my account will be reported as Current to all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so new when it comes to credit i tried to pull my credit report and it would not allow me to so after providing all information i noticed someone was using my full identity to acquire credit cards and apartments and a auto loan Credit card Accounts : 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 I havent had enough CREDIT TO FILE bankruptcy
Product: Checking or savings account

Hello - In XXXX of this year I opened a Checking and Savings Account with JP Morgan Chase ( Chase ) under a {$600.00} promotion offer. The terms of the offer clearly stated the following : " Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance. '' I did not have existing accounts and I did not close accounts within the 90 days. Hence I went ahead opened the accounts, transferred {$15000.00} in my savings account, established direct deposit in my checking account and met all the terms of the promotion. It has now been several months since I have met all the terms of the promotion. However Chase has not credited the {$600.00} promotion credit to my account. After several secure messages, and calls to the Customer Service Department they are telling me that my accounts are ineligible for the {$600.00} promotion credit because of an " internal policy '' at the bank indicating that promotion credit can be obtained only once every two years.

However such " internal policy '' requirement was not disclosed to me when the Bank cheated me and took my hard earned {$15000.00} funds from me. Attached are the terms and condition of the promo code with all the published eligibility requirements and you will see for yourself that the Bank has not disclosed this ficticious " internal policy '' before accepting funds from a customer. On the contrary the Bank has knowlingly and deliberately lied to customers indicating they will be eligible for the bonus provided they did not close accounts in the past 90 days.

To say one thing in writing and openly to defraud a customer of their money and then turnaround and present another set of eligibility requirements based on undisclosed and fictitious " internal policies '' is out right cheating, daylight robbery, unethical, illegal, immoral and utterly shameful and shameless behavior!
Product: Student loan

Dear Sir/Madam, I am writing to file a formal complaint regarding a concerning issue with my student loans that have been discharged under the XXXX XXXX XXXX ruling . I attended XXXX XXXX XXXX, and as a result of this ruling, both the Department of Education and Mohela had previously cleared my student loan balance to {$0.00}. 

However, I recently discovered that my balance with Mohela has inexplicably increased to almost {$40000.00}. This sudden reappearance of a significant loan balance is deeply troubling and has caused me considerable distress and confusion. 

Furthermore, I would like to bring to your attention that Mohela has incorrectly categorized these loans as being in repayment status, when they are supposed to be in administrative forbearance until a borrower defense application is processed. This has further exacerbated the issue and has created unnecessary financial strain on me. 

As a member of the XXXX with a XXXX XXXX, I am required to maintain good financial standing and can not afford to have any negative credit implications. The incorrect classification of these loans and the sudden appearance of this debt could jeopardize my XXXX XXXX and have serious consequences for my XXXX career. 

I have diligently followed all procedures and requirements for the discharge of my student loans under the XXXX v. XXXX ruling, and it is unacceptable that my previously cleared balance has been reinstated without any justification or explanation. 

This situation has caused me significant financial hardship and emotional stress, as I had relied on the assurance that my student loans were fully discharged. The sudden reappearance of this debt, coupled with the incorrect repayment status, has put me in a precarious financial situation and has disrupted my plans for the future. 

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to rectify the situation. I urge you to ensure that my student loan discharge under the XXXX v. XXXX ruling is honored, that my balance with Mohela is corrected accordingly, and that the loans are placed in the appropriate administrative forbearance status until a borrower defense application is processed. 

Additionally, I would appreciate any assistance or guidance you can provide to help resolve this issue and alleviate the undue burden it has placed on me. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution to this complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

My Self.inc credit card account was closed years ago ( around XXXX or XXXX ), but I repeatedly get contacted by them stating that my balance is overdue, due soon, etc. 

I contacted them 3-5 times over the years, they always tell me they will investigate this but I am still getting contacted. I told them that this feels like harassment but they still will not correct this issue. 

I am afraid to check my email in public or at work because of people shoulder surfing, specifically emails about " overdue bills '' from my non-existing account. 

This needs to stop
Product: Mortgage

Two months late on a payment and was notified by mortgage company that we were eligible for refinance, re-modification and/or forbearance. After submitting the documentation was submitted within 2 weeks, we have received on numerous occasions that our packet was incomplete. After complying to their request, upon being told, it was lost or misplaced, and submitting it again, a final response to re-modification was provided. Please note, however, that this took 4 months of resubmitting it, and only to discover there was XXXX block on the XXXX form that was not checked. The representative we were working with from the mortgage company, realized the mistake, called us to fix it and return it. Again, I did that within the hour. This was taking place while I was communicating with XXXX regarding this situation. Being a member with XXXX, they have an advocate to help assist with with any problems that may arise. We did so. Apparently, it was n't until XXXX made phone calls that this representative finally processed the paperwork. The answer we received was that i was n't approved. The answer was that our mortgage was past due more than 60 days. I had made XXXX payments, XXXX and XXXX, only to have it returned to me. Apparently, I did n't make the right payment amount. Due to their negligence in processing the documentation in a timely manner and 'acting in good faith ', which caused a delay in processing the documentation, the home is now in a foreclosure status with a law firm. I do n't understand how, when I made payments only to have it returned, notification of refinance/re-modification approval, submitting documentation numerous times, and now not approved, we get stuck with paying the large amount of payment and lawyer fees, all to be paid within 5 days. 

PHH mortgage has been improperly handling, misleading, and in an untimely handled our case. 

XXXX, is NOT a PRO military corporation. I know that, because my husband is currently in the XXXX and has been with XXXX for 28 years. Financing our home with XXXX only to find out that they had sold it to PHH. 

XXXX has communicated to us, that at this point, they can no longer assist us.