23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have an Auto Loan with Consumer Portfolio Services that commenced in XX/XX/2015. The balance was {$22000.00} when it commenced and my APR is 14.99 %. My monthly payments are {$470.00}. I made a {$470.00} payment XXXX/XXXX/15 for the XXXX XXXX due date, a {$470.00} payment on XXXX/XXXX/15 for XXXX XXXX due date. I then had a bump in the road and CPS agreed to give me an extension. Next payment not due until XXXX XXXX. Since then I 've made my payment of {$470.00} on XXXX/XXXX/15 and {$470.00} on XXXX/XXXX/15. They are claiming that my balance is still {$21000.00}. I know my APR is high but I 've done the math and they are showing an incorrect loan balance and wo n't fix it. I would like to know what can be done. Also they funded this contract before my Chapter XXXX BK discharge on XXXX/XXXX/2015. Can I just give the car back and tell them to pack sand?!
Product: Checking or savings account

On XXXX XX/XX/year> my direct express account was closed due to scammers trying to invade my account and Ive been trying to submit my ID for verification to open back my account but they keep denying my ID and that has made me homeless causing me to sleep in my car and not being able to pay my bills. I need Direct express to verify my ID so I can activate my card this is really important. They keep asking for my Birth certificate after I sent my valid ID card and my social security card I dont have a birth certificate and if I must get one I cant access my money to pay for it right now
Product: Mortgage

Freedom Mortgage used to have XXXX XXXX service my mortgage with them. Then effective XXXX XXXX, they took the servicing of this mortgage back. They stated on the phone at least 3 times that no late fees or credit reporting would occur until 60 days from the date they took over servicing. I made my mortgage payment on XXXX XXXX. That is the day it is due. Freedom Mortgage should have had that payment transffered from XXXX XXXX, yet I have not seen it come out of my bank. Now, I am getting a letter telling me that I am late ... .and that they have reported it to the credit bureaus. This is the EXACT opposite of the information I received from XXXX separate representatives on their customer care line. In short, they lied to their customers. They can not tell me what happened to the payment I made online on XXXX XXXX. It has not been 60 days since they took over the servicing of this loan ... .why are they sending me debt notices before their 60 day grace period to me when I have a call record asking about the payment and a letter that I on XXXX XXXX explaining that I made the payment and ALL I wanted to know was what happened to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 after work at XXXX I went to XXXX XXXX. I seen a car I like and XXXX the salesman told me that the car is XXXX based off of the financial lady. So I said lets do it. And after running my credit I did not like the monthly payment because they did the wrong car. And the price is actually XXXX. So I said never mind. But the XXXX tried to find me a different car and I said okay. I wanted to know the monthly for each one just like how everybody looks at their estimate monthly payment online. After looking at different cars I decided I did not like any of the offers so I just went home. Later on the night I seen that my credit got pulled 25 pts from XXXX XXXX. How is that possible I have a good credit and it shouldnt take off that many points. I called them and said that they cant do anything about it so here I am asking for help. They told me that it shouldnt even affect my credit because they didnt connect me to any bank. Which they said they didnt. They have already messed up in the first place by running my credit with the wrong car. And I only permitted them to run my credit once. I hope you guys could help me out thank you
Product: Debt collection

Letter sent to collection agency : To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Hello, my name is XXXX XXXX. Early in the month of XXXX my identity was whats the Stolen. My account is simple, whats taking over in the perpetrator who is unknow .Cleaned out my account. I was working with simple to recover some of my funds through visa zero liability policy. I sent them all the legal documents I could advocating for myself. My first claim was closed and the second claim when I reasserted the claim. That is not my primary purpose of writing to you. I had another problem with their service on the XXXX of XXXX I was informed through in writing communication that my account was open to receive my pre-scheduled direct deposit for the incoming transfer scheduled to be posted on the 1st. Upon opening my account with them I agreed to their disclosure where it was stated that it is their duty to correct electronic transfers and compensate for any damages that their error has caused. One representative XXXX I spoke to said the department would reach out to me in the future. Unfortunately I know longer have that message from XXXX in our logs on there site but i will attach proof of conversation as well as evidence that leads to curoberate that the bank intenually made them not available for a unknown reason. To conclude due to simple negligent misrepresentation I went 17 days before being able to access those funds. In the midst of all that I was past due on my rent and electric due to simple banks ruling against me. I would like to note I made a report with FTC for my identity in regards to my identity being stolen, fbi and contacted one of the merchants and their response in our communication was that they would work with my bank to refund me. I will attach all the documents in regards to the dispute at a later time, if necessary but simple should have them. Due to my finically hardship I went hungry, not just me my cat who is my therapeutic aid. And I had to take out a loan from a friend to paympay off my rent and electric.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of 2007 I went to WAMU at age XXXX to renew my current mortgage and combine the second mortgage i also had with them. I wanted to get my loans in order for my retirement. I explained that I was retiring soon and will be on fixed income and desired a fixed rate loan. I was told that they had a new product that would work perfect for me and agreed to take the loan. They also advised me that I would have to payoff my car and some credit cards, but that it would be better for me. I was told that the loan was a fixed rate product and that I would have an initial period of a variable rate which would allow my payments to be lower at first then convert to a fixed rate with a payment of {$2600.00}. 

I am now XXXX and had my son go through my things to make sure all is good. He has discovered that I am on an interest only loan and my balance is the same as it was 15 years ago. I was never told that i would have a balloon payment at the end of my loan and that I would be interest only for 30 years. I have tried to get answers from Chase with no help. 

We have gone through the paperwork which I had saved, and can not find any legal documents with the note or HUD Settlement statement. I would like Chase to forward me the original XXXX application and the legal note and documents that i had signed at that time.
Product: Mortgage

I had a mortgage from Guaranteed Rate affinity LLC. when I purchased my home in XX/XX/2020. 

> I was asked to pay 12 months of Insurance payment in my closing statement. I had paid for it. 
> However when the Insurance company had asked for the amount, they had not dispatched the payment on time despite telling me that they have done so when I had called to confirm. 
> They had finally dispatched the amount after the insurance  company had cancelled my insurance retroactively ( 2 months into the loan ). 
> I was subject to undue XXXX as I could not convince the insurance company to reinstate the insurance. I had finally after much shopping able to find a new Insurance going forward and got and paid for it. 
> Despite messing up the insurance, Guaranteed rate had put in an expensive Lender Placed Insurance and hit me with a charge ( almost 6 times the cost of the original insurance I had placed ) > They had transferred my Mortgage to XXXX and applied a credit of the amount with my Mortgage > I had disputed it with XXXX and when on a conference with Guaranteed, their representative had agreed to dispatch the amount to XXXX so they can take away the credit. 
> But the check was never sent. When I had called them, they completely disagreed that they had agreed to pay and are giving us lame excuses each time. 

At a pandemic time when we are trying hard to keep our mortgage commitment, Companies like this are incompetent in handling their escrow and are charging the consumers for their oversights. Asking me to pay for something I had already paid for and transferring the loan to a 3rd party without resolving their error tantamounts to fraud. I have all the evidences for this that I am willing to share. I had already raised a complaint with XXXX ( Complaint ID XXXX ). When we are trying to resolve this with them, their agent had hung up with me without resolving and giving a new lame excuse ). I request your agency to audit this company and have them repay the amount they have charged me for their mistake. The loan account number is XXXX. I am attaching the following : ( 1 ) my closing statement showing that I had paid for the insurance for 12 months in advance to their escrow department ( 2 ) Email where I had reminded them to dispatch the amount to the insurance ( 3 ) Letter from the insurance company stating that they are cancelling the insurance due to non payment of the due ( 4 ) My letter to Guaranteed Rate asking to resolve the issue that is still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an admission of documentation for the following complaints : ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO EXPERIAN XXXX I forgot to attach with the original complaints.
Product: Bank account or service

On XX/XX/2015, Citibank NA issued a tiny check to me as refund for " certain fees [ that ] were billed by Citi during periods when not all of the program benefits were provided. '' This is in association with the {$700.00} XXXX in penalties levied on Citibank in XX/XX/2015 for misleading consumers into buying services they did n't need, did n't know they were paying for, or did n't do what the services purported to do. 

I found the misplaced check today and even though it was a very tiny check, called Citibank to see if they could reissue it. 

The number I called that was listed on the check led me to a phishing effort in another country that tried to get me to give them my credit card number in return for a " {$100.00} gift card to XXXX. '' I then called Citibank Customer Service, which took a great deal of searching and re-calling in order to actually talk to a human. After literally 90 minutes with a call center obviously staffed in XXXX XXXX, I was told they had no idea what this check pertained to and could n't help me, but maybe I could take it into a branch. 

Granted, this is a tiny check and barely worth my time -- but what interests me is that Citibank, having scammed some XXXX customers in XX/XX/2015, is now claiming that they have no idea that that issue existed, that refunds were issued, or that they have any responsibility for the refund. 

It seems to me that Citibank is compounding the original fraud. And while my unrecoverable tiny refund check is not all that important to me personally and would barely cover the cost of a cup of fancy coffee, Citibank 's disingenuous behavior regarding this issue does matter, potentially multiplied by a few XXXX consumers.
Product: Debt collection

COLLECTOR FAILED TO VALIDATE, CALL MY DAD AND SENT COLLECTIONS TO HIS HOUSE AND HAVE BEEN GETTING PHONE CALLS IN VIOLATION OF FDCPA AND TCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the original school and the wrong social security number was used. There is no account opened with my social thru this loan company. That has been sold. It was thru XXXX XXXX and now has been switched to 2 different companies since the school closed. XXXX XXXX closed. I have messaged the Fasfa and they can't find it in their system. Yet it's in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

XXXXDate opened has different dates -last reported has different dates - date of last activity has different dates - date of last payment has different dates
Product: Mortgage

We have been having trouble making payments online via the portal. We have been calling repeatedly and emailing for weeks, but we can not get anyone to take our payment. We continue to be redirected to our loan servicing representative, who will not return our calls or email requests to service our loan. We have been told that we do not qualify for forbearance because it has expired, yet we have been trying to get loan servicing help to get it done for all of those months. 

Our insurance was also canceled stating non-payment, yet we received a letter from the mortgage company stating that they were never billed by our insurance company. The escrow account is fully funded, so this was not our error. 

We can not get any of our issues resolved due to our roadblock of a servicing agent, and the process that forces us to use only her with no online resources or alternative contact person. We are just trying to get a new presentative who will actually help us and service the loan. 

This is a VA account and we are surprised at the treatment of a veteran. It feels like an attempt to take our home.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

In accordance with the Fair Credit Reporting act XXXX account # 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 instructions
Product: Mortgage

Im 2008, the housing market crashed. Wells Fargo played a huge role in that. 
How do you pay for a loan modification, only to have the loan of XXXX XXXX, turn into through the modified loan, was to help us. 
It went from XXXX and a reasonable payoff date to XXXX. And extended payoff and a payment plan that would never be paid off. After XXXX we still owe XXXX XXXX on a loan that originally started at XXXX! Had Wells Fargo applied the actual payments we made to the mortgage, instead, we were lied to and forced into a never possibility paid for loan. We have sent enough to prove Wells Fargo has lied and is continuing to lie
Product: Credit card or prepaid card

On XX/XX/2019 my bill did not go through account with missed payment. I am kindly requesting. BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 2 accounts & 2 inquiries are not mine : XXXX XXXX : {$2100.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00} - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX because of a 30 day late on a Khols Card underwritten by notorious liar Capital One Bank/Retail Services ( use to be XXXX XXXX ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Electronic - XXXX verification XXXX XXXX account number:XXXX {$2100.00} In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have not recieved a proper investigation or the requested documentation.No method of verification has ever been disclosed or shown and this violation continues to cause damage to my report.
Product: Mortgage

Around XX/XX/2021, Rocket Mortgage claimed to be able to provide loan pre-approval and pre-qualification letters to me based on the submission of financial information. They provided a " Prequalified Approval, '' which stated I qualified to borrow a certain amount from them that would not be contingent on the sale of the property I was then living in. Rocket Mortgage ( via their loan originator, XXXX XXXX ) claimed that my debt to income ratio qualified me for a loan with them despite my then mortgage, so I searched for a new home to purchase from XX/XX/2021, through XX/XX/2021. When I found a home to purchase in XXXX and submitted my offer to the seller, Rocket Mortgage then " conditionally approved '' my loan, with the condition that I sell my then-residence so that my debt to income ratio fell within their parameters, which condition was contrary to all the " Prequalified Approval '' documents Rocket had provided up to that point. RM uses deceptive practices to lure consumers and wastes their time by having them believe they can qualify for a loan with them and then when the loan application goes to their underwriting department, the loan suddenly can't be issued based on the promises made by their loan originators. This deceptive practice almost jeopardized my new home purchase and most certainly has caused other consumers to not be able to buy homes they had submitted offers on. They also charged me an exorbitant fee to do a credit check and an appraisal after I had cancelled my loan process with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose
Product: Credit reporting or other personal consumer reports

I have XXXX account with PayPal. A PayPal credit and a PayPal XXXX XXXX. On the credit, I had a {$3500.00} limit. On the master card I had a {$2000.00} limit. I owed on both cards approximately 75 % balance. On the month of XX/XX/year> I completely paid both cards in its entirety. Leaving me with a XXXX balance on both. PayPal/Synchony bank decided to drastically reduce my credit limit on both cards to {$100.00} which is extreme. I understand the reduction in credit but that drastic is not fair. Especially when I have not been late or delinquent with their accounts. Ive since then reached out to PayPal and synchony expressing my frustration and concern with to remedy. Id really like my limits back to where they were and more if possible because Ive shown I can run up a bill and pay it off. Its not fair the way they drastically reduced my limit. It hurt my credit. Accounts ending in XXXX. Accounts ending in XXXX and accounts ending in XXXX have all been reduced extremely. I have paid off all my debt that they claim was the reason for the reduction. Please apply my credit to where they were if not more.
Product: Mortgage

My wife and I are pre-approved by Movement Mortgage here in Georgia. My wife and I have met every stipulation that Movement Mortgage has laid in from of us and in fact we 've been approved but for some reason in the last few hours they wo n't process our loan ( we were supposed to close today ). In fact, they claim that the original loan processor called in sick today ( bait and switch ), and are now making us prove our loan worthiness once again while the sellers and buyers of XXXX other loans are waiting to close, the sellers of the home we 're buying are basically backing out of our signed and agreed to deal. Please warn other people of this bait and switch that we are going through.
Product: Debt collection

LVNV XXXX  knows I am an identity theft victim, They have repeatedly readied fraudulent debt to my XXXX credit report. I have had all my consumer rights violated repeatedly by this company.