23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please note this is an amendment to complaint XXXX. My complaint stems from the time starting XX/XX/2021 when I came in communication with Loancare about coming off of my forbearance plan. My request with XXXX was to understand if an adjustment in my current loan/interest rate XXXX 3.25 % XXXX more aligned with current would be possible. They said that they would review my loan and send me an offer within 30-45 days. Fast forward to XXXX and my loan has been transferred to a new servicer ( Shellpoint ) who says the only way to get a reduced interest rate is to refinance. 

I understand Shellpoint ( new loan servicer ) position. However this mean I will not be able to be under consideration for a refinance until XX/XX/2021 XXXX 3 months out of forbearance ) If XXXX had worked with me in earnest I would have been able to refinance as early as XX/XX/2021. 
A refinance will restart the clock on the amortization schedule which is something that I really dont want to do New Rez is owner of the loan so I dont really understand why things changed when the loan got transferred to a new servicer anyways and I'd like an explanation of this because I dont feel like I've been dealt with fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my official request to have the listed account investigated and removed from my credit report. The account is listed as open and late but is in the collection. 
Enclosed may be additional evidence to support my claim. 


Sincerely,
Product: Debt collection

On XXXX I address the credit bureau as into regards of the removal of inaccurate credit info being displayed on my credit report, and to no avail nothing was done and that is a problem for me. I also address new york and company, back in XX/XX/XXXX and they did reply on XX/XX/XXXX I will be enclosing their response letter to me.and with that being said this company filed for a chapter XXXX bankruptcy on XX/XX/XXXX.
Product: Credit card or prepaid card

I reported my card missing to the bank by phone and by mail. I also gave them the fraudulent individual charges that were made. They said they would investigate. They sent me a new card. I received a letter telling me that since I was present the charges were valid. I of course was not present and no-one authorized made the charges. I sent the bank a letter requesting all the documentation they relied upon to determine their conclusion, specifically the signed receipts with my containing my signature. To date they have not produced the request, they continue to bill me for the fraudulent charges, and are reporting negative information to the credit bureaus. The amount involved totals {$4600.00}. My account number ends in XXXX. My request for information was made to them pursuant to the provisions contained in the Federal Fair Credit Billing Act.
Product: Debt collection

The original creditor for this debt is XXXX XXXX XXXX. I spoke with them in XX/XX/XXXX and they instructed me to turn instrument in to local music store and said they would remove debt. Debt was originally reporting over {$2000.00}. 

After turning instrument in on XXXX XX/XX/XXXX, I thought everything was cleared as they said it would be. In XXXX, I found out that Transworld ( TSI ) claimed I owe {$390.00} and added that to my credit report! I contacted them and explained I turned instrument in. They told me everything was fine and it would be removed from report. I called back because it was not removed but was told they could not talk to me about this issue anymore because XXXX XXXX XXXX ( XXXX ) was handling this account. 

I spoke with XXXX  and sent them proof of receipt for returned instrument. They in turn sent a bill to me for over {$2100.00} when TSI is reporting {$390.00}. I called and asked them to provide in writing the details that could sum my owing what they claim. I scanned to them proof that TSI is reporting {$390.00} on XXXX XX/XX/XXXX. 

My initial conversation started with XXXX on XXXX XX/XX/XXXX. They always transfer me to about 3 to 4 different people per call before getting some type of information about this debt. They end up telling me that TSI have been contacted with my concern and they were waiting to hear their response. I have scanned them what TSI is reporting and they said they will contact TSI again with this information. 

I am exhausted dealing with this debt that has been taken care of. If TSI is reporting this account then why is XXXX involved which is a collections company as well. I would like this removed from my credit report. 

Thank you in advanced!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I applied for a credit line with XXXX to get the money to repair my roof. XXXX denied the application because they said Experion had sent them a report saying I had no credit cards or rotating credit lines. I actually have 3 credit cards, student loans, and auto loans that were all missing from the report. When I called Experion, they checked and said they could see all of my credit cards and loans. The person on the phone verified all of them with me. They told XXXX to call them to verify the correct information. XXXX is not capable of doing this, so I asked Experion to please send the correct report to XXXX. They refused and insisted on just sending me my credit report even though I had already verified what was on it. 

Experion 's incorrect reporting of my credit information to XXXX cost me a line of credit that would literally put a roof over my head and refused to correct its own mistake.
Product: Vehicle loan or lease

On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX  so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

My name across the bureaus is not correct, should just be XXXX XXXX. 
I have a lot of inquiries that should be removed based on time or the fact that I did not accept the terms of the loan/financial product. 
Account issues that are accurate or missing : XXXX XXXX XXXX XXXX is missing from XXXX XXXXXXXX XXXX  incorrect date for the account open XXXX. XXXX XXXX incorrect date in formation for account open XXXX XXXX XXXX - missing reporting on XXXX XXXX. XXXX XXXX XXXX  missing consistent reporting on XXXX and XXXX, date open, and status XXXX XXXX  incorrect reporting, date open, status, payment history, and paid off XXXX XXXX incorrect reporting paid in good status, and not showing correctly across bureaus XXXX. XXXX XXXX incorrect info across bureaus date opened, last used/status, and debt amount, and purchased through another group XXXX. XXXX XXXX XXXX XXXX unaware of account and not reported across bureaus consitently XXXX. XXXX good account paid on time but not reported across all bureaus XXXX. XXXX - account paid on time, incorrect debt incorrect open closing and payment history XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - account sold off but paid XXXX account on time item XXXX, don't own this debt XXXX. XXXX ( XXXX XXXX : SPRINT ) paid on time on issues don't own debt no proof of debt and not reported across bureaus correctly XXXX. ( Original Creditor : ) - medical bill paid, don't own debt, and not reported across all bureaus XXXX. XXXX XXXX XXXX - reported twice, inaccurate, and do not own debt XXXX. XXXX XXXX - paid on time and not reported across bureaus, good acct XXXX. XXXX XXXX - don't own debt, sold vehicle, cleared the debt and inaccurate info on debt date opened, status, conditions of debt XXXX. XXXX - incorrectly reported, information not correct across bureaus XXXXXXXX XXXX XXXX - incorrect information across bureaus, date opened, balance, payment history XXXX. XXXX - paid and not correctly reported across bureaus XXXX. XXXX XXXX XXXX not reported correctly across bureaus, paid on time
Product: Debt collection

this debt collecting company sued me on a time barred debt, this debt is no longer even on my credit report i do not owe this debt anymore they can no longer pursue legal action against me to collect on this debt. they are in violation of SB-1286 Rosenthal Fair Debt Collection Practices Act. its legally unenforceable. they are using unfair, deceptive, and abusive debt collection acts or practices in they are using they are doing and ive sent them a cease and decist email already.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax have allowed computer hackers to access my credit and personal information and allowed hackers to open many accounts and taken all of my money in my accounts.
Product: Mortgage

On XX/XX/2024, the following unfair or deceptive act occurred : JPMorgan Chase Bank, approximately 36 hours before the closing of a home purchase for which they were the mortgagee, sent a Notice of Counteroffer whereby Chase Bank changed the amount of the loan that they had previously agreed to provide. This change, which was communicated the day before the closing, caused me a necessity to have to provide {$3300.00} out-of-pocket in additional down payment funds on the real estate. As this was hours before closing on the property and any delay would have caused a violation of the Purchase and Sale Agreement that was agreed to in the contract with the seller, this was unfair or deceptive. Failure on my part to provide the {$3300.00} would have resulted in grievous loss of down-payment funds. Chase bank had agreed to the financing terms in the commitment letter over a week before closing and waited until the last day to change the loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update the suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX XXXX : {$40000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}
Product: Checking or savings account

My account was charged fraudulently for the following transactions that I did not authorize : * {$100.00} from XXXX XXXX on XXXX XXXX UTC * {$200.00} from XXXX XXXX on XXXX XXXX UTC * {$100.00} from XXXX XXXX on XXXX XXXX UTC * {$110.00} from XXXX XXXX XXXX XXXX  on XXXX XXXX UTC Upon noticing these transactions on my account, I made a claim with my financial institution on XX/XX/2020 and at their request, submitted a written claim on XX/XX/2020. 

I was informed by a representative of the financial institution on XX/XX/2020 that the matter would go under investigation and if the claim was not resolved within 10 business days, I would be extended provisional credit no later than XX/XX/2020. 

On XX/XX/2020, I received a notification that my claim had been rejected, but was not given a specific reason as to why. 

On XX/XX/2020, I requested to know the specific reason for my claim being rejected as is my right under Regulation E and did not receive a response until XX/XX/XXXX when the financial institution informed me that my claim was still being investigated as it had never been denied, but that theyd have 90 days to reach a decision. 

As such, as the matter was open the entire time, I am entitled to provisional credit under regulation E in the amount of {$530.00} which to this point, I have been unjustly denied.
Product: Debt collection

My ID was stolen 2012. Used for medical stuff I do not know or recognize. I have disputed to all XXXX credit bureaus, but it has not been taken off my credit report yet. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and myFico because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS.

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND EQUIFAX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Debt collection

this company has been constantly calling and harassing me even after asking them to stop. they call my cell phone and place of business. I have advised them to stop.
Product: Mortgage

I applied for a modification from HSBC because my rate is at 5 % and owe {$490000.00}. 
Unfortunately, the value of my property is {$350000.00} so I can not refinance. I am going through hardship because my income has been declined and my situation has changed. I now have childcare expenses. After 9 months of back and forth with HSBC through XXXX they asked me for the property back or short sale. My income is over {$100000.00} and they were not willing to work with me in any way.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts from my credit report due to identity theft. I recently became aware of fraudulent accounts opened in my name following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting immediate removal of these accounts. 
The following accounts are fraudulent and must be removed from my credit file : 1. Creditor : XXXX OF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} 2. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 3. Creditor : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} 4. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 5. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} 6. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 7. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} 8. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00}
Product: Payday loan, title loan, personal loan, or advance loan

I took out a signature loan with Penfed for {$10000.00}. My spouse passed away recently and I lost his income in addition to now having more debt to pay including $ XXXX in hospital bills and an extra car payment until I was able to sell our other car. My homeowners insurance went from {$1000.00} a year to {$2900.00} this year which was very unexpected. In XXXX I was XXXX as I am also XXXX and the stress of being alone and having to take care of everything was too much to bear. I reached out to Penfed in XXXX and after explaining my situation and at the customer service reps recommendation she sent me Hardship documents that I promptly filled out and returned 24 hours later. I got a confirmation email stating that I would be contacted via email when it was reviewed. After not getting any emails and checking online to see if there was any additional ionformation, I called Penfed the beginning of XXXX and was told that the file had just been assigned to someone and I should hear something soon. On XX/XX/XXXX I got an email stating that the death certificate was received and reviewed but nothing else. Today I called again and after being sent to several different reps I was told that since the loan was 90 days past due, I would not qualify for a hardship agreement. Then he put me on hold and told me that they were forwarding it for a 2nd review but he didn't have much hope. He was very negative and wondered why I had fallen behind and if I could make a payment today. It is hard enough and a very embarrassing situation to not be able to meet your debt obligations. I am upset with myself that I did not foresee any of this occurring but for Penfed to basically forget about me and then keep me hoping for a resolution while reporting the loan delinquent even when I was in application to 60 days past due does not appear that they are wanting to assist customers that are going through major financial hardships and why wasn't I informed of this 90 day rule to begin with? It seems like Penfed wants me to file bankruptcy as I informed the last rep that I was considering it as I am losing sleep and my health is once again suffering. My payment could be made more affordable if not for the 17 % interest rate as well.
Product: Student loan

I currently have student loans serviced by Navient. I am also a co-signer on my brother 's student loans. When I login to my account to pay my loans, my brother 's loans are presented as part of my total student loan payment. My cosigner agreement states that I am a guarantee for my brother 's loans, not primarily liable. However, the Navient website is deceptive, and makes it appear as though I am primarily liable for my brother 's loans, even though he is making payments on them. 
I want my brother 's loans removed from my account summary page, and for Navient to stop deceiving me into thinking that I am primarily responsible for this debt. I believe that this practice is a violation of my state 's Consumer Protection Act as well as the Fair Debt Collection Practices Act ( FDCPA ). 
I called Navient and was lied to by the representative, who told me that I am equally responsible for making these payments even though my brother is current on his payments. I was told that this could not be removed from my account. 
These deceptive practices need to stop. I will consider any and all legal action, including a class action lawsuit if this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection on my  XXXX  report several occasions and have not gotten a resolution. I paid a collection from  Coast to Cost for {$240.00} ( {$250.00} w/ fees ) on   XXXX   XXXX ,    2016. It is being reported on my   XXXX   report as being open and the full amount owed. I called Coast to Coast and th ey report the account as closed and say that  XXXX  never contacted them in regards to the dispute I filed.
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, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXX OF XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Equifax a method of verifcation letter after receiving a generic response to a dipsute I submitted. Per the FCRA the company has 15 days to respond, it has been almost a month and I have yet to receive a method of verifcation from Equifax. I have attached a copy of the letter and read receipt.
Product: Mortgage

In XX/XX/XXXX we received an escrow analysis which indicated that the low balance in our escrow was short. This was due to the mortgage servicer, Dovenmuehle Mortgage , Inc. paid our real estate tax for the entire year. For the past 11 years that we have had this mortgage, our real estate taxes have been paid on a simi annual bases. The change in the method by which the real estate taxes are paid caused a deficit in our escrow account and now the Dovenmuehle has increased our monthly mortgage payment from {$2000.00} to {$2300.00}, and increase of {$250.00} monthly. This is causing a financial hardship on us. In 11 years we have never been late on our mortgage payment. 

I have contacted the XXXX XXXX XXXX and they have told me that payments can be made simi annually. However, the mortgage servicer has chosen to pay annually although we have expressed to them the hardship this is going to cause. 

Why would a servicer choose to do something that would cause a hardship when they have a choice to do otherwise? This is causing a huge strain in our well being. That is a lot of money to have to come up with in a short time and only because the servicer choose to pay the annual amount of our real estate tax instead of how it has been paid for the past 11 years. 

Also in the escrow analysis the amount for hazard insurance is incorrect. They have corrected this but we are still required to pay the increased amount for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one auto finacing XX/XX/2018 unknown inquiring on credit report.