23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Bureaus have not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Statuses of XXXX  XXXX Balance : {$510.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$3000.00} I believe these accounts were reported in error.
Product: Payday loan, title loan, or personal loan

To whom it may concern, Carrington Mortgage acquired my VA home loan from XXXX XXXX on or about XXXX of XXXX. Since Carrington acquired my mortgage, they have increased my payment by XXXX percent. I have diligently attempted to work with customer service and the Escrow Department since XXXX of XXXX, in an attempt to remedy the predatory lending practices that have burdened me with a high monthly mortgage payment. Due to customer service failing to rectify my loan discrepancies I have suffered a financial hardship and loss of great credit standing with XXXX, XXXX, and XXXX. Specifically, Carrington Mortgage is reporting my loan payment to all three credit bureaus inaccurately in the amount of XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( {$2500.00} ) ; my actual monthly loan amount is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( {$1000.00} ) ; see Fixed Rate mortgage note attached. Additionally, customer service has failed to update my file to reflect my tax exemption status and remove my account out of an escrow status, whereas my property insurance is directly paid by me. On XX/XX/XXXX, Carrington Mortgage arbitrarily paid an annual premium to ( {$8.00}, XXXX ) to XXXX XXXX  from my Escrow Account ( depleting my escrow reserve ) without my consent, which in turn changed my homeowner insurance to a non-escrowed/directly billed account ). See Proof of Homeowner Insurance. Consequentially, due to their negligence or oversight, their mistake has caused my account to go into a negative escrow which raised my monthly payment significantly. Furthermore, Carrington mortgage is not paying my insurance premium monthly, whereas the annual premium has been paid thru XX/XX/XXXX, but Carrington Mortgage is still charging me monthly. 

Therefore, I am requesting the following remedies for my pain and suffering : 1. Carrington Mortgage contact all three credit bureaus and remove all negative delinquencies and update my account as paid on time ; 2. Carrington Mortgage waive all late fees from XX/XX/XXXX through XX/XX/XXXXXXXX  and issue a credit to my account ; 3. Carrington Mortgage update the payee portal on your website to reflect my accurate monthly mortgage amount ( {$1.00}, XXXX ) ; 4. Carrington Mortgage contact all three credit bureaus and report my monthly payment accurately in the amount of ( {$1.00}, XXXX ) ; and 5. Carrington Mortgage in good faith provide me with a XXXX  ( XXXX ) month payment exemption ( settlement amount {$16.00}, XXXX ) for my pain and suffering. 

If you have any questions, please call me at ( XXXX ) XXXX or email : XXXX. I have attached the following evidence for your review :
Product: Debt collection

I have received multiple call from this company regarding several charged off credit cards I have. I talked to a rep and told them i am in the process of filing bankruptcy. The person was very rude. I said please do not call me again. And yesterday i got a call @ work. Actually it was left on a voicemail that didnt belong to me. They have also disclosed information about trying to collect on my cell phone which doesnt id me and used by someone other then myself. This message was left on a general mailbox which specifically asked for me. And it was an autodialer. I want this stopped or i will file a lawsuit for an fdcpa violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX XXXX orders from XX/XX/XXXX to XX/XX/XXXX. I was on military forbearance with the XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I was taken off forbearance and was told that my military orders were not valid and I no longer qualify for military forbearance. I tried to get this taken care of for years, but eventually, they stopped answering my emails and phone calls. From XX/XX/XXXX, I was considered a XXXX veteran and had gotten this debt deleted ( not on credit bureaus but with the government ). Also, I want to note I was a full-time student from XX/XX/XXXX to XX/XX/XXXX This account went delinquent XX/XX/XXXX and finally counted as paid off in XX/XX/XXXX ( 10 months after I was a XXXX  and XXXX-XXXX  XXXX, which is still reflected in my report ). 

The XXXX XXXX XXXX has been a nightmare to work with while in the military. They need a military-friendly finance center. When it came time to have my loans deleted with XXXX, it took months to get ahold of someone so that I could pay them! 

I called the XXXX XXXX XXXX with this issue and surprisingly got a call back from my student account advisor and was told that she could do nothing to rectify this and that I must dispute. I disputed multiple times with all three bureaus and have gotten no real investigation. I have similar student loans with XXXX, and the late payments were deleted from all reports. The XXXX XXXX XXXX has to answer for their negligence and delete the late payments from my account.
Product: Debt collection

On XX/XX/2023 I called Fair Credit Sourcing to set up a payment arrangement for a debt ( I've disputed the amount several times ) I owe to XXXX XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX. I explained numerous times that I'd like to set up a monthly payment arrangement. I informed her that I am facing a slight housing crisis : I'm currently renting a room for {$2100.00} ( Please see month to month to month lease attached ). 
XXXX XXXX then told me my options : A : pay XXXX today B. pay {$2900.00} today I then explained that I'm trying to move into a new apartment XX/XX/XXXX, in which the landlord is requiring first month, last month, and a full month of security, therefore at this time I can not afford either of the options. I then requested to pay {$200.00} per month, to which she scoffed, and repeated several times : " This balance is {$29000.00}! we can not set up a payment arrangement for such a small amount ''. I explained my situation again, and informed her that's all I can afford at this time. I'd like to set up a payment arrangement to at least show my good faith to potential landlords. To which she replied : " you can not delete this off your credit, we ae the only ones who can delete it, because we put it on there! ". At this point she became very confrontational, and argumentative, and I told her let me worry about my credit, I'm calling her to set up an arrangement, if she is refusing, I will alert the credit bureau, as well as file a complaint. She continued about having authorization over my credit, and I asked to speak with her supervisor. I then spoke to a very nice gentleman by the name of XXXX XXXX who explained to me the lowest payment arrangement they could set up with me was {$1000.00} per month. I told him exactly what I told XXXX XXXX, and told him what I could afford. He refused, and we hung up. 
I am in disbelief that I made attempts to show good faith, and set up a payment arrangement, and because it's not the amounts FCO is demanding, they're allowed to refuse an arrangement. They're attempting to ruin people 's livelihoods. It's not enough the amount reported is GROSSLY exaggerated, they refuse to assist a consumer trying to clear up a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX  XXXX Balance : {$24000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching 2 forms of I.D . as proof of identity as well as my FTC report. For Experian to block information under Section 605B of the Fair Credit Reporting Act, I am providing this information attached to this complaint. Just to reiterate, I am XXXX XXXX, a consumer and I am pursuing 15 U.S. Code 6802 my right to privacy. I am requesting the following information to be blocked and deleted 15 U.S. Code 1681c-2 from my credit report within four days as stated in the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm also pursuing 15 U.S. Code 1681a ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( My social security card is a card. ) Method of verification was not investigated before publishing anything on my report. Did you interview my friends, associates or neighbors? If you did, please provide their names and information.
Product: Credit reporting or other personal consumer reports

the credit consumers are not accurate of what they say i owe them. reffering to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX  , i have never open an account with none of these companies
Product: Credit reporting or other personal consumer reports

The collection account reported by XXXX XXXX XXXX XXXX was reported XXXX XXXX as Paid, but still showing on my credit report tarnishing my ability to obtain credit. I would like for this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not find my XXXX child 's social security card and fear that it may have been in my purse when it was stolen in XX/XX/2016. Thus, I am following the recommended steps to get a credit report on my XXXX child under XXXX, which includes filing this complain with CFPB. I also filed a police report.
Product: Mortgage

Our loan officer, XXXX XXXX, NMLS # XXXX, from Key Bank, had stated that the processing and closing can take a long time with the bank. We were ok with that and entered into a 75-day rate lock starting in early XXXX. We were attempting to refinance and do a second loan for cash out. 

We received an email from the processor in the first week of XXXX claiming the loan would be closed by XX/XX/XXXX. We sent every document requested immediately. 

After the email from the processor, we did not receive communication from anyone for weeks. We repeatedly called our loan officer and he never answered the phone or responded to our voicemails. We emailed the processor, loan officer and closer, all  copied on the email from XXXX, and nobody responded to our emails. 

XXXX comes, and we still have not heard anything back from the company about when the loan is going to close. Finally, the closer emails us and asks for more documentation that we provide immediately. 

The first loan appears as if it will close before the 75 day rate lock expired, but the second loan did not appear to be able to close in time.

We still have not heard back from our loan officer at this point and we decide we're going to go with a different bank and email everyone in the loop as such. Lo and behold, the loan officer calls and needs more documentation, which we provide without delay. 

Amazingly, Key Bank is able to close both loans on XXXX XXXX, meaning the funds and payoff should be delivered by XX/XX/XXXX. There was money due from us at closing which was something that our loan officer, processor or closer had not communicated to us. 

We close on the XXXX, but the bank did not pay off our mortgage servicer or pay us until the XX/XX/XXXX. When we were concerned about where the money was and why Key Bank did not pay off the holder of our mortgage, we called the loan officer again. He did not answer and did not return our calls until after the loan had funded on the XXXX. The processor, loan officer and closer also did not respond to emails and questions about the payoff being late. 

We contacted our previous mortgage holder, the title company and eventually the customer service line at Key Bank, and no one could provide any explanation as to why the money was not sent on the day it was supposed to be sent. We still do not know why Key Bank took extra days to fund our loan. 

We are extremely upset about the absolute lack of communication throughout the process and are filing a complaint so others know not to trust Key Bank when it comes to mortgages. We also had to pay {$500.00} up front for an application fee.
Product: Credit reporting or other personal consumer reports

There are inappropriate and inaccurate information on my credit file. According to the law us code 1681 ( a ) ( b ) and us code 1681 ( e ). Its not right to have inaccuracies information on the file. It suppose to 100 % accurate and it is not please delete this account off my credit file. It show 1 30day late payment and 0 for 60days and 10 late payment for 90days how is this possible.
Product: Mortgage

I divorced husband in XXXX, Quiken loans let us remodify the loan after the divorce and quikens loans acquired all documents to the divorce and quit claim deed XXXX put to me. So quiken loans knew we were divorced and I took I interest in House from this date, XXXX. In late XXXX, I XXXX sent in a application. To either modify or use one of their other options, since I had gotten behind. Quikens loans refused to let me do so claiming I couldn't do it, that only XXXX could, my ex husband. 
I had to go to the XXXX XXXX XXXX  to help. In learning from the attorney assigned to me, Mr. XXXX XXXX, I was informed that quiken loans had violated me in not recognizing me as " successor-in-interest ''. 
And refused to do so. I was forced to file chapter 13 bankruptcy to stop pending sale of my home. 
My attorney, Mr. XXXX sent quikens a letter asking them to recognize me as successor-in- interest, letter attached. 
I also have a recorder phone message from quikens loans from XX/XX/XXXX stating I could not do anything and that XXXX only could. 
Even after Quikens received this letter from my attorney, Mr XXXX from the XXXX XXXX XXXX back in XXXX, XXXX. Quikens is still refusing to acknowledge me as successor-in-interest. 
Quikens has never notified me and just today, Quikens is still sending correspondence to XXXX and not me regarding the mortgage, these 2 documents are attached, please notice dates of all documents. 
Quikens has and is still violating my rights as successor-in-interest under XXXX XXXX regulations as well as the " Real Estate Settlement Procedures Act, 12 C.F.R.1024 ( regulation X ) and any other federal laws.
Product: Credit card or prepaid card

For my Chase XXXX XXXX credit card, I notified them of my name change from marriage immediately, as it is a legal name change and I no longer go by my previous name at all. I received an email asking me to fill out a form that Chase was going to mail to me to update my name. I then sent and attached an email with my new driver 's license and social security card to them. I asked for them to immediately update my name and explained the name I wanted it updated to. I explained it was a legal name change, and my name was no longer the same, so this definitely needed to be updated ASAP. They confirmed receipt of the email with the attached files. They continued to ask me to fill out a form they were mailing, and six separate representatives confirmed that after the form was received with my new name information on it, because I already sent in the proper files, my name would be updated. I escalated to management because I felt that I had sent in sufficient information for my name to be updated without the mailed form, however, everyone refused to update my name. All customer service was foreign and kept repeating the exact same information. I received the form, filled out my name as the instructions stated, and sent it back. What I expected was for my name to be updated, but it was not. Instead, I received yet another letter stating that I needed to send in documentation with yet another form to update my name. I called in to customer service and spoke with a representative, and supposedly a manager. Once again, I was given the run around and told that they had no information showing my name change documentation, even though, as I stated previously, I spoke with six people that guaranteed my name would be updated as soon as they received the mailed form with my information. As all of this took over two months, I decided to close my account. I feel that I should not have had to do this, however, after receiving months of run around and incorrect information from people who just kept repeating theirselves, I felt like this would never get resolved. I really feel like Chase is employing people who do not really know what they are doing, they can not make outside the box decisions, or look up information in order to help a customer. They are employing incredibly outdated tactics from the 1980s in updating information on accounts ( requiring mailed letters, etc. ) and there is no good customer service at Chase. I have at least fifteen other credit cards, and I had no issue with any of them except Chase.
Product: Credit card or prepaid card

American Express decided to closed my account without asking me to. Why? They said because the payment did not go through with my bank. However, when American Express called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX has verified this person has a lot of money to cover the payment ( on a recorded line ). Now, American Express decided just to closed my account. I called them today on Monday, XX/XX/2023 at XXXX XXXX and talked to the department if they can reconsider to open my account and she ( the rep ) told me I am not eligible for it. I find it strange that American Express did this because they did not wanted to give me XXXX points if you purchase over {$15000.00} within the first three ( 3 ) months ; which I did. That being said, I am asking the Consumer Financial Protection Bureau to reach out the CEO of American Express to get my account reopened. Lastly, I also make payments to take care of the full balance. Thank you.
Product: Checking or savings account

I opened a 360 performance savings account with Capital One on XX/XX/XXXX with a balance of {$5300.00}. At the time I had opted to open the account because of the high yield savings advertisement but, The interest that Capital One paid on my account was 0.09 %. As of XX/XX/XXXX the rate on my account had changed to 3.80 %. The rate did not increase until XX/XX/XXXX where Capital One changed the title of my 360 savings account into a 360 Performance account.
Product: Student loan

On XX/XX/2019 and XX/XX/2019 I made payments to pay off my student loan with XXXX XXXX XXXX. The payments resulted in an overpayment of {$220.00}. Per the terms and conditions, the overpayment should have been returned within 60 days. After 60 days had passed and I had not received reimbursement, I contacted XXXX XXXX XXXX on Friday, XX/XX/19. The representative I spoke to said they would contact the accounting department and that I would receive an email and resolution within a week. More than a week passed and I had not received an email, resolution, or reimbursement so I called XXXX XXXX XXXX on XX/XX/19 to  follow up. The representative again told me that they would be sending an email to their accounting department and I should expect an email and resolution within a week. On XX/XX/19 I still had not received reimbursement nor an email. I called XXXX XXXX XXXX and was told for a third time by a representative that they would be sending an email to the accounting department and I should expect an email and resolution within a week. 
At this point, I have no faith in XXXX  XXXX XXXX ability to resolve and reimburse my overpayment.
Product: Credit card or prepaid card

On XX/XX/2021 @ or around XXXX XXXX, I attempted to make a purchase in the amount of {$7.00} at fast food restaurant chain XXXX XXXX My purchase was in person using the chip enabled debit card. My transaction was declined. I had more than ten ( 10 ) times the purchase amount in the account at that time. I have not been able to use any of my assets associated with this card, which effectively such assets are the target of fraud by Square Inc . I have previously tried several times to resolve similar issues with Square Inc., all to no avail. Square Inc., has never provided an explaination as to why each and every transaction request to date has been declined despite sufficient funds to pay for all transactions to date. Square Inc., is engaging in wholesale fraud, and unjust enrichment.