23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX. Re : mortgage refinance. Based on a loan estimate ( and realizing that the final numbers might differ from the loan estimate ) that I received from loandepot on XX/XX/XXXX, I paid {$510.00} toward an appraisal and credit report. The loan estimate ( attached )  provided for no out of pocket costs to me at closing and for cash to borrower at close. Also, when I asked the loan officer, XXXX XXXX, for evidence of the interest rate lock, she emailed me a screen shot ( attached ) on XX/XX/XXXX that contains the line : Estimated cash back at closing {$470.00}. Shortly after receiving the screen shot, I asked XXXX XXXX about who sends me a check for cash to borrower at close. She said there will be no cash to borrower because we're not allowed to send you cash at close since that would be buying down principal. 

I contacted a friend whose been a mortgage broker for 20 years ( he can't do my refi since he's not licensed in my state ), and he said that I absolutely can receive cash at close, up to the {$2000.00} limit ( the limit was due to the fact that my loan was not a cash-out refi ). I contacted XXXX XXXX, who told me that if the final numbers show that there is cash to borrower at close, I would get a check for that amount, up to the {$2000.00} limit ( I used XXXX XXXX for my refi and closed this week ). I also contacted XXXX XXXX  who confirmed what my friend and XXXX XXXX  told me. 

On XXXX, I emailed XXXX XXXX to request a refund of {$510.00} based on what I considered deceptive practice on the part of loandepot to show cash to borrower at close, and then after I paid {$510.00} in order to lock the interest rate, to tell me that I won't get any cash at close. Ms.  XXXX and XXXX XXXX, responded to my email XXXX attached ). Mr. XXXX contradicted the aforementioned 3 sources about my getting cash at close and also said that I would not be getting a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2022 XXXX XXXX XXXX XXXX .... account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXX .... Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Captial one a letter that there are too many incorrect late payments being reported on my credit report.
Product: Student loan

I received a phone call from Ameritech back in XX/XX/2017. I was told if I paid {$82.00} a month for the next 10 years, my loan would be forgiven. The money started being electronically taken out of my checking account under the name XXXX on XX/XX/2017 for {$74.00} and then {$82.00} each month after. They continued to call me and ask for a copy of my tax returns and my signature which I did not give them. The money was still being taken out of my account I thought it was paying my student loan. when I was notified from the XXXX XXXX XXXX about a lawsuit and the money did not go to my student loans, I called Ameritech to opt out and ask for a full refund. They refused to give me the full refund and said they could only give me {$200.00}.
Product: Credit card or prepaid card

I am in the middle of trying to purchase a home for me and my kids. I am a single mom and have worked hard to maintain great credit and save for a down payment. When my lender went to run my credit score my rating had dropped 100 points hindering my ability to buy my home. The score had dropped due to a credit card being opened by XXXX Citibank without my permission or application. When XXXX switched over from XXXX XXXX to XXXX I called and said I did not want the card. They assured me the card had been closed. I never saw the card or used the card. They proceeded to charge a XXXX Membership to my card even though I told them not to. This occurred last XX/XX/XXXX. I called them and they assured me the card was closed and that the fees, interest and charge had been handled. I have battled them for a year since then for a strange XXXX charge that keeps showing up on the card for interest against a {$0.00} balance on an account that is closed. They are killing my credit score. When I attempted to speak with them about this they said I could not talk to their disputes department and that I could only fax in my complaint. My lender is asking for a letter that states this was cleared up last year and will be deleted form my credit. They are refusing to give me a letter despite admitting over the phone that they can see it is an error in their system and that they don't know why their system keeps doing this. I desperately need your help. I am in escrow right now and if I can't get this cleared up in the next week I will lose my deposit and my home.
Product: Debt collection

This is a debt from a medical provider. I have XXXX and a XXXX supplement by XXXX XXXX XXXX. The provider, XXXX XXXX XXXX XXXX, Could have obtained the insurance information from the hospital as the rest of the providers do. Secondly, I never requested their services and was never informed of them. Also, I have made several attempts, by phone and on-line, to provide the insurance information to the provider and was met with incompetence and rude response. Their response was " pay it or we will turn it over to a collection agency. '' Additionally, I have informed CMRE Financial Services in writing that it is an erroneous charge and to stop contacting me. They still call. The amount is {$160.00} for services they supposedly provided on XX/XX/22.
Product: Debt collection

On XX/XX/XXXX, the XXXX XXXX apartment complex in XXXX, Arizona, was contacted by my boyfriend ( who was co-resident of XXXX XXXX, apartment number XXXX ) to dispute charges that were billed to us and were not appropriate. ( XXXX XXXX stated we owed {$190.00} for a smoke smell, a broken light bulb, and miscellaneous utility fees. We contact them to dispute these charges and have the bill reassessed. My boyfriend nor I smoke. Some of our neighbors do and the smoke smell would travel through the vents from time to time into our apartment. The broken light bulb is something they would have fixed for free if we requested it, however, we didnt even know about it. Im unsure how we could have been charged utility fees if we had already vacated the property by the time this bill was sent to us. ) The email my boyfriend sent was immediately dismissed with a reply that said another person would be the one to contact. This other person replied that she would forward our inquiry to the Assistant Manager of XXXX XXXX. We were under the impression this matter would be reviewed and we were awaiting a response, as well as a recalculation of the bill to equal {$0.00}. However, we never received a response and we were not contacted in any other way by XXXX XXXX after that email from this other person ( sent XX/XX/XXXX ). 

XXXX XXXX has sent these fees to a collection office with only my name on it, and with my boyfriends private residential address. ( I dont know if this is worth mentioning, but it seems strange to me : We were both on the lease at XXXX XXXX, but the debt is only assigned to me. Moreover, I provided an official change of address to the USPS on XX/XX/XXXX. That address is different from my boyfriends private address. ) The collection company is called National Credit Systems , Inc . I emailed them on XX/XX/XXXX to indicate I have received their letter ( although I received it late because it was not sent to the correct address as stated above ). I also explained to them the lack of communication with XXXX XXXX and how we were awaiting a reply to our inquiry and reassessment of the bill. Today is XX/XX/XXXX and I have not received an acknowledgement of any kind from the collection office nor XXXX XXXX who I CCd on the email. All emails are attached to this complaint. 

Furthermore, an amount of {$150.00} was taken out of my account on XX/XX/XXXX for a cleaning fee. ( However, the details on the transaction do not have my name on it, which is another odd thingmy boyfriends name is on it. It was my check that I presented at the time of paying for this fee. ) It should be noted that I willingly paid this fee because I was told it would be the best option to avoid any other fees upon moving out. However, that is obviously not the case. 

There are also other people who have left comments about being charged fees unfairly on XXXX reviews under the XXXX XXXX company profile. I have no way of contacting them, due to some restrictions from XXXX, to ask for advice on how to handle this matter. 

I hope there can be a resolution to this. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

IMy car a XXXX XXXX XXXX was financed for {$7000.00} by XXXX XXXX XXXX. On XX/XX/XXXX, I give the car back by voluntary surrender. As of today XX/XX/XXXX they are reporting to Credit bureaus that I owe them {$6700.00} I owe XXXX XXXX   XXXX nothing because they have the car and sold it at a private aution. I want them to report to all credit agencies that I owe them nothing. I feel XXXX XXXX XXXX is committing Fraud and trying to get double what the car was woth. I want a full investigation and will be waitng for your respnse. Mr. XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I had had filed for bankruptcy.but later dismissed it.then the company didn't want me to make payments they wanted full amount which I couldn't they wrote it off as a charge off it hit my credit. Now it's back XXXX hit my credit again and saying I paid a certain amount in whi ch I haven't
Product: Debt collection

I have been a victim of identity theft, and has been a subject to unfair and deceptive debt collection practices by JJ Marshal & associates. I have never in my years of living reside at XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX. ( see attachment ) JJMA is attempting to collect a debt from the wrong individual. The information reporting on my consumer report is false and inaccurate. JJMa is in clear violation of the FDCPA section 15 U.S.C. 1692a by invading my rights to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act Convergent 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: Credit reporting, credit repair services, or other personal consumer reports

I believe Im a victim of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : XXXX XXXX  XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Never lived there Never lived there Belongs to another person with same or similar name Identity theft Residence type is inaccurate Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a settlement letter from attorneys for CACH , LLC. It was to confirm the settlement contract we agreed on instead of paying {$2600.00} a settlement of {$1900.00} was finalized. On XX/XX/2013 I called a payment settlement over the phone and received Approval # XXXX. So this should have settled all transactions with this company. However, to date XXXX XXXX I still have a lien on my property by this company. I need this removed immediately. According to NYS courts the following is true : When the Judgment is Paid When the debtor pays the judgment, the creditor must file a Satisfaction of Judgment form with the Clerk within 20 days. 

It is filed in the Court that entered the judgment, but if a Transcript of Judgment was filed in the County Clerks office, it is filed there. The creditor must mail a copy of the Satisfaction within 10 days to the debtor and must send a copy to all other counties where a transcript of judgment was filed. If this is not done, the debtor can sue the creditor for {$100.00}. 
I am having to go through hoops to get this taken care. Realistically I shouldn't have to if this is their error. Please advise. Thank You.
Product: Debt collection

XX/XX/2022 after 17 years with XXXX decided to look for cheaper cell phone service. Saw XXXX advertised person over XXXX got a discount and also got a discount for auto pay. After talking to a XXXX representative in person saying I would not get the discounts and it would cost more than XXXX  which I had for 17 years I decided to go to another phone carrier that was cheaper. My wife and I both decided to have our cell phone numbers ported over again after 24 hours. I made numerous attempted phone calls to XXXX to dispute the matter but they ignored my request. Also at the time my social security number was not given to XXXX. Now they have turned it over to collections and some how XXXX got my social security number. Since XX/XX/2022 XXXX is not advertising cell phone service for 1/2 of what they were XX/XX/2022. The information they gave me at the time was very misleading and their cell service also not working very well in my house. I do not have other means of telephone communication and need a cell phone to work inside my house. I have also received letter from collection debt collector that I have an attorney which is false and misleading. I request assistance in this matter. Thanks!
Product: Credit reporting or other personal consumer reports

My account with XX/XX/XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XX/XX/XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I was informed in XX/XX/XXXX that the wire and NSF fee accumulated in my account could not be refunded due to the reaching the limit of refundable amount for every 12 month. So, the agent mentioned to me to call back on XX/XX/XXXX, since the first time I was refunded for the amount for XX/XX/XXXX and requested for the fees that have not been refunded to me in XXXX since I will have limit to be credited for. When I called back on XX/XX/XXXX, the Chase agent told me that there was no such thing. After going thru several agents and one agent advised me to go to the branch to dispute the case, I went to Chase Bank branch on XX/XX/XXXX. The agents told me that they won't be able to give me credit for it after I told them the direction given to me end of last year to come back and request a refund of the fee starting on XX/XX/XXXX. On XX/XX/XXXX, I called Chase bank and I explained the whole situation to the agent named XXXX, who processed the refund to me on the spot for the amount of {$130.00} and informed me that I should be getting the credit in my account within 7 days. If I do not get the refund within 7 days, I should send the secure message from Chase account online. When I send the message, it does not seem that the Chase agent knows the case at all. Similarly, when I called Chase over the phone, everyone gave me different answers. On XX/XX/XXXX, the Chase agent re-filed the new case for with complain # XXXX, got my phone number and asked me the best time to reach me over the phone in 24 to 48h. I told the agent that 10-11 am would be a good time to reach me over the phone. However, no one followed up with me. So, I called back on XX/XX/XXXX that the agent informed me I should hear back in a day since it already passed 24h and closed to 48h and the case has been escalated. No one called to let me know the case. I called today XX/XX/XXXX and spoke to XXXX agents, who gave all different information stating the case has been finalized and closed from the previous case. The last agent told me that the case is just being handled by retail servicing business department and I should hear from the agent that would call me back by end of today. I found that Chase agents are unprofessional, gave various versions of inaccurate information, and frustrated that the refund of {$130.00} has not been credited to my account after 7 months. I believe that Chase should be hold accountable for the statement made to the customer. I requested many Chase agents to review the recorded conversation that I have with agent XXXX on XX/XX/XXXX but no one seems to want to do that for the fair investigations.
Product: Credit card or prepaid card

Some of the dates may be off by a few days because I didn't start writing things down until XXXX, but the basics are that Barclay was sent an overpayment of {$15000.00} XXXX XX/XX/2019 from my bank 's billpay service ( XXXX, it was sent as an ACH ). I immediately called Barclay and was told I need to wait until they process it. On XXXX XXXX, I confirmed that they had a {$15000.00} credit on the account and requested return of that money through their online account. It said 7-10 business days. I called 10-12 business days later ( probably XXXX XXXX ) and was told a check was sent. I told them I had not recieved it, they could not tell me when and where it was sent and didn't have any way of tracking it. I called several times over the next 2 weeks and was told the same thing. I called just before I left on a 3-4 week vacation ( probably XXXX or XXXX XXXX and asked them to send a new check. When I returned late XXXX ( probably XXXX ) there was no check. I called and they told me a check was sent out XXXX XXXX, but couldn't tell me where it was sent to and still were unable to track it. I called several times requesting a new check. It is XXXX XXXX and I am no closer to a check. I just had a conference with the people who run the billpay service, XXXX, a Barclay representative, myself and my wife. They are still unable to tell me when I can expect a check. Their plan is to send it the same way they claim they sent it last time, without a tracking plan, so if it doesn't arrive again, I am back where I started. At this point it seems like it could be called grand theft or wire fraud. I am unable to upload my wife 's file as I cancelled the account due to their poor service, but I copied my messages to them thru my wyndham account.
Product: Mortgage

Almost impossible to reach anyone on phone. HAVE NEVER RECEIVED MONTHLY STATEMENTS BY MAIL. No one seems to be able to get our zip code right. Have not received our tax form. Somehow threatening letters, however, get here. Can not ascertain payments due to sloppy customer service.
Product: Money transfer, virtual currency, or money service

Paypal case XXXX XX/XX/23 XXXX XXXX account was suspended after I paid for a few expensive purchases. On the same day, I contacted XXXX and was instructed to dispute the charges with my bank/paypal as XXXX has terminated my account and will not ship my purchases to me. See attached for screenshot. 

XX/XX/23 I disputed the above purchase. It was for {$4000.00}. Paypal said XXXX has 10 days to response and if they dont respond, I will receive a refund. 

XX/XX/23 at XXXX XXXX  XXXX is the deadline for paypal to respond. Instead of letting the case time out for me to receive a refund, paypal had put it back in under review mode to prolong refunding me. Their policy is clear cut, if the seller can not provide proof of delivery or response within 10 days, buyer will receive a refund. 

Kindly issue a refund. You are illegally holding my money.
Product: Credit reporting or other personal consumer reports

Upon consulting with the XXXX XXXXXXXX XXXX XXXXXXXX in reference to the student loans. XXXX XXXX XXXX XXXXXXXX told me on the phone ( and it reflected on their website ) that my loans are not presently in default though the Navient company insists that they are. A dispute was filed with the credit bureau XXXX XXXX and XXXX XXXX told me that they sided with Navient. Navient has an unfortunate and known history of not being trustworthy and XXXX XXXX has a bad habit of believing them over the consumer. Navient needs to stop insisting that they " are the Federal Government. '' XXXX XXXX XXXXXXXX XXXX XXXXXXXX is the authority on the case AND is the Federal Government. Navient has demonstrated that they do have a credibility problem and can not be trusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I receive alert from of XXXX XXXX credit report XXXX, Experian and XXXX about some of that company inquire my full credit report. 
I don't have idea about this company I never asking nothing, now the XXXX company 's refuse to be removed this inquire from credit report make a big problem for me bcs take like more the 2 years to remove from my credit report, damage my record. 
The company ask for my credit report was : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX