23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan which initially was with Iberia Bank was taken over by First Horizon. 

It is a XXXX year adjustable rate which XXXX years was up as of XX/XX/XXXX. First Horizon does not do any refis Since XXXX I would call first XXXX to ask if my rate was going to change and if so what would it be. Each month they told me to call back the following month as they did not have any answers whether or not my rates would be changing. 

I decided that I needed to start the refinancing process.. However if the rates were going to stay the same I was going to continue with First Horizon. Therefore, On XX/XX/XXXX I called them once again and I was told your rates are definitely not changing next year. I asked them if they were sure because I was going to refinance otherwise and the agent told me no Your rates will not be changing for the next year. I said that is great news I will stop the refinance process. 

XXXX weeks later in early XXXX I received a message XXXX XX/XX/2022 that my adjustable rate was going up 1 %. They record all of their phone calls and on subsequent calls they have admitted that they said this and that it was a mistake. 

First Horizon intentionally deceived me in order to keep me as their client. If they had simply said we still dont know I wouldve continued with my refinance process. With the changing of the times it is now too late for me to refinance at a significantly better rate. 

By deceiving me they have cost me thousands and thousands of dollars. I asked them to simply make restitution by either keeping the rate as is as they said or compensating me for the difference. 

They have simply said " we are sorry, there is nothing we can do. We apologize for letting you down. '' It is unfair an unacceptable to be deceived and treated this way. 

I have also asked to have my escrow reevaluated and it was been XXXX weeks since I have heard back from them
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIE from my credit report. 
ACCOUNT : XXXX # XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't owe  XXXX  any money.
Product: Debt collection

This collection was re-inserted on to my credit report after years of not being there, I had previously disputed and had removed being as I do not believe it was ever mine. I was never notified of intent to place as collection on my report and they have not sent any verification to me. I have never received anything in the mail from this collection agency. When I contacted them on the phone they tell me the debt is verified although the company who is the original creditor is XXXX XXXX and I'm a current customer and they tell me that they have no record of me having any other account nor do I owe them anything.
Product: Vehicle loan or lease

I moved from the state of Florida to New York. The NY DMV requires a letter of permission from Hyundai Capital of America ( aka Kia Finance ) and a copy of my title to register my vehicle. Hyundai Capital is refusing to send this information and is mandating that I wait 6-8 weeks for Florida to send them a paper title. This paper title is not required for me to register the vehicle. Since I moved out of Florida, the Florida DMV is suspending my vehicle registration, leaving me without a vehicle for 6-8 weeks as a result of Hyundai refusing to give me to permission to register and refusing to give me a copy of a document that states I am owner of the vehicle. 

I have gone through the process with other lenders who have sent this documents immediately. 

I have spoken to 3 agents, 2 managers and no one is able to help me beyond stating this " is policy. '' They advised me that they would escalate this to corporate but no one has contacted me. It has been 2 weeks with no resolution.
Product: Debt collection

The company I am complaining about is Credence Resource Management. This company has repeatedly called from a bunch of different XXXX numbers and only identified by the staff name and not the company name. I always ask what company they are from and they are reluctant to tell me. When they do, they are not understanding of my situation. They sent me a letter in the mail saying I could have my debt forgiven if I fill out the hardship form. I sent it and now they are still calling Me a month later and harassing me for the money and talking about how it will affect my credit report negatively. They were not willing to work with me on the offer and were not understanding that I really needed that forgiveness since I have been furloughed due to the virus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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

MACYS I already explained many times about this credit card back in 2016 and never used credit card. 
This balance doesn't belong to me.The address on this account is not my address as well! 
Almost 8 years old accnt
Product: Debt collection

I have disputed this account ( balance with XXXX XXXX XXXX ) for the past year and 1/2. I explain to them I do not owe the amount listed. I have  requested verifiable proof, and the only thing I receive is " account verified ''. This balance is inaccurate and I do not owe them nor the original company. I was a victim of a natural disaster and during that time I lost my home, car, and job. This effected me and still is because I have been trying to get this matter resolved. The account needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name XXXX XXXX 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 _astrucions 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 An other adverse item of information, other than records of convictions of crimes wnich 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. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date Opened XX/XX/2020 Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$290.00} Original Amount {$290.00} Original Creditor Past Due XXXX XXXX XXXX XXXX ) {$290.00}
Product: Debt collection

Mohela has been sending me false student loan amounts. I am on a forbearance repayment plan but im still getting harassed.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Credit card

Ensure that closed account # XXXX is reported as closed to all credit bureaus. I am no longer a holder of this card/card closed. Account is still marked open on my credit reports.
Product: Student loan

( 1 ) My student loans were transferred from XXXX XXXX to Nelnet. I have been trying to get a record of past payments on my loan from Nelnet, but Nelnet has been unresponsive. I am not able to get this information from XXXX XXXX either. Payment history is not available on the Nelnet website. I have no way to confirm that the amounts transferred to Nelnet are accurate. 

( 2 ) My SAVE application is still pending, and Nelnet has been unresponsive to status update requests, except to notify me that Ive been placed on an administrative forbearance. I am unable to get in touch with Nelnet to confirm status or confirm whether payments can still be made during this time and whether they will be properly applied to my account.
Product: Student loan

My student loan servicer, Navient, continues to have long response times to online customer service inquiries that require telephone follow-up calls. The response time to messages sent via their website has grown in excess of one month, and the last three messages have gone completely unanswered. Calling Navient by telephone requires navigating a complex IVR system that will not route you to an agent for the first five minutes of the call. This all culminates in a very time-consuming and frustrating customer service experience. 

I feel that Navient should be held to certain customer service expectations and staff appropriately to meet customer demand. Waiting months for a response via their website, which is the method of contact they repeatedly recommend, is simply unacceptable.
Product: Debt collection

Collection Agency : PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Original Creditor Name : CLIENT : XXXX XXXX I XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX TN XXXX Date Assigned : XX/XX/XXXX Date of First Delinquency- XX/XX/XXXX Account Number : XXXX The debt had paid on XX/XX/XXXX, in the amount of {$600.00} after negotiation and they promise that the account will be close and remove from all credit bureaus. 
Now they want more money and telling me to pay, if not they will continue to report. 

XXXX has been past the statute of limitations of Texas. According to Texas statute of limitations and record retention period. I demand that please remove the information from my credit reports and cease all collection activity. 
They never replied to me or communicate with me, I have called so many times with no reply. I was able to reach out to XXXX, but they are very rude, and they are very unprofessional. They start cursing me and telling me to pay more money. 

Best Regards XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/19, I posted my XXXX for sale for {$1200.00}, and someone named XXXX XXXX XXXX who I now see goes by XXXX XXXX on Zelle ) commented that her brother would pick it up and she would pay me through Zelle. I got an email from what I thought was Zelle confirming that she sent me the {$1200.00}. However, the email stated I could not access the funds because I needed to upgrade to a business account. XXXX explained that in order to upgrade to a business account, you need have sent {$600.00} to someone. At this point, the transaction would go through and I would have the business account. So, the woman sent me XXXX more dollars and asked if she could trust me to send it right back. I receieved an email from Zelle to confirm this as well. She also sent me screenshots from what appeared to be the XXXX  XXXX XXXX showing the money had been taken from her account. I felt pressured and guilty because it was framed that I was holding up this womans money. Luckily, the spending limit on Zelle only allowed me to send her {$300.00} dollars rather than the full {$600.00}. She tried to convince me to send another transcation for the remaining {$300.00}. I then called Zelle and realized the email XXXX is not their official email. She refuses to return the money and blocked me on messenger. Zelle told me there is nothing they could do. My credit union XXXX XXXX XXXX XXXX in XXXX RI ) also said there is nothing they can do, even though the transcation had been pending all day and had not officially gone though. In fact, the transcation didnt go through until I checked my account this morning. Looking back, I can see the typos in the attachments and signs I should have noticed. However, when youre busy, stressed, and out and about, it is easy to fall victim in these scenarios. I am hoping I have some rights here. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to update or correct these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Credit reporting 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. 

I told XXXX, Transunion, and XXXX to reinvestigate these inquiries XXXX XXXX XXXX ( Finance ) XX/XX/XXXX ; XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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

To whom it may concern : On XX/XX/2022, an unknown entity - XXXX  ( Miscellaneous ), ran my credit without my consent. 

Please remove, this unauthorized information from my credit. 

Thanks!
Product: Mortgage

As a precursor to my and others problem, this is my current status. Im a XXXX YO woman with two pieces of real estate. Together worth aprox. $ XXXX. The debt on my primary residence is {$350000.00}. Value is $ XXXX On or about XX/XX/XXXX, I decided to refinance my residence and take advantage of the now low interest rates. CA is very expensive to live. Owning sent me an offer for a new lower mortgage of about 1.5 % less than my current loan of 3.75 %. I spoke with XXXX. I forwarded my financial backup. At that time I had excellent credit. After much trying there was no longer a response from owning. 
On or about XX/XX/XXXX I received a offer from XXXX XXXX. XXXX. Again I supplied backup, and again after much trying they disappeared. 
On or about XX/XX/XXXX and again receiving an office from XXXX, XXXX XXXX, XXXX. Sent backup, all was good and they disappeared ( yes same company. 
On or about XX/XX/XXXX I contacted interactive mortgage who was the company who initially gage me the loans for my two properties in XXXX. XXXX XXXX. XXXX. Who was absolutely certain that all my financial backup was fine. ultimately disappeared. 
Lastly on or about XX/XX/XXXX my neighbor gave me a name of a person she had just refinanced with XXXX XXXX. XXXX XXXX XXXX. XXXX. His response to date is the file is in the IT department where they are trying to fix the automated underwriting. That was XX/XX/XXXX and Ive contacted him twice since with no reply. 
A conversation with a real estate agent has confirmed that other people are having the same problem. I did possibly have a credit rating problem. XXXX XXXX ( Mortgage on my rental house ) who I asked in writing for forbearance, may have filed a missed payment on my credit, saying that they did not send an acceptance letter of the forebearance, but I never received a rejection letter either. As of today, my credit reports are fine, one good and one excellent. My thought on this is that XXXX who I have my residence mortgage does not want to exchange a 3.75 % mortgage to a 2.5 % or lower mortgage. Can you help with this. Something is definitely amiss. Thanks. XXXX XXXX
Product: Debt collection

This complaint involves XXXX XXXX and XXXX XXXX. I tried settling this debt many times and finally could not access my account at all. XXXX no longers uses XXXX XXXX and they keep trying to collect from small consumers instead of suing XXXX. I paid and paid on this debt and it never seemed to go away. I am being harassed by a 3rd party debt collection agency with repeated calls daily trying to collect on a debt I do not believe I owe. The bank is ruining my life and credit score and I am in the process of trying to sell a house. I have a bank account with XXXX XXXX with money in my account from Social Security that I can not even access because the bank repeatedly closes my account because I have suspicious foreign transactions occuring. This happens every month around the first week of the month. I have told XXXX XXXX that I made the transactions and yet this happens every month. To add to the problem I am XXXX Veteran married to a foreign national who has every right to stay in this country despite the fact she is not a citizen because she holds a green with a 7 or 10 year status.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an unauthorized hard inquiry that appeared on my credit report. On XX/XX/year>, I received an alert regarding a hard inquiry from XXXX XXXX. This inquiry has negatively impacted my credit score, and I did not authorize it nor consent to any action that would prompt such an inquiry. I dispute the inclusion of this hard inquiry as I have no knowledge of it, and its presence on my credit report is fraudulent. The unauthorized nature of this entry has caused harm to my credit score, and there is no evidence to support its legitimacy. I respectfully request that this hard inquiry be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERM S AND CONDITIONS OF AGREEMENT And ADEQUATE ASSURANCE OF DUE PERFORMANCE THAT XXXX XXXXXXXX XXXX DID NOT BREACH AGREEMENT From : I, hereinafter " Borrower '' To : XXXX XXXX XXXX, hereinafter " Alleged Lender '' Notice to the Principal is Notice to the Agent. Notice to the Agent is Notice to the Principal.

I, Borrower, hereby give notice to Alleged Lender for a request of confirmation of terms and conditions of the agreement and adequate assurance of due performance that Alleged Lender did not breach the agreement.

Alleged Lender agreed to the following general terms and conditions of the credit card alleged agreement : 1 ) Alleged Lender must use their money or credit as adequate consideration to purchase the agreement from Borrower to repay the loan.

2 ) Alleged Lender involved in the alleged loan did not accept anything of value from Borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan.

3 ) Alleged Lender must follow generally accepted accounting principles as required by CPA audit opinions.

4 ) The intent of the agreement is that the party who funded the loan is to be repaid the money.

5 ) All material facts are to be disclosed in the written agreement.

6 ) The cardholder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens.

7 ) The loan transaction does not create the economics similar to stealing, counterfeiting and swindling.

The agreement that I entered into has the above seven elements in it.

According to the bookkeeping entries, Alleged Lender breached all seven basic elements of the alleged agreement and then Alleged Lender concealed material facts of the alleged agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the alleged loan agreement or I demand that Alleged Lender return a zero loan balance. The proof that Alleged Lender breached the agreement is that both your assets and liabilities increased, proving that Alleged Lender recorded a loan from Borrower to Alleged Lender and then returned the loaned money from Alleged Lender back to Borrower, falsely claiming the money returned to Borrower is a loan from Alleged Lender to Borrower. Alleged Lender did the opposite of what was advertised and agreed to and then concealed the fact that Alleged Lender accepted money or credit or thing of value from Borrower that funded a check or similar instrument in the amount of the alleged loan.

This notice will remain as fact of the elements of the alleged agreement and the breach of Alleged Lender unless Alleged Lender disputes this notice within 10 days. According to 15 USC 1602 only a natural person can extend credit. Banks do not extend credit. " Credit Card '' is defined as a license plate, ID, or social security card account number to extend credit. 

Signed, Authorized Representative/ XXXX XXXX https : XXXX