23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Yesterday, XX/XX/2023, I was on call with a customer service representative from OneMain Financial after submitting an application for a {$5000.00} loan. At first, the customer service representative was enthusiastic in assisting me get the loan. She even stated that I could get a higher loan amount for a monthly payment similar to what I stated was in my budget. I submitted the documentation she requested through the portal, which was the front and back of my ID, a voided check, and 90 days of bank statements. At first I thought I needed to submit my paystubs, but she told me that my income was already verified. Unfortunately, we were unable to complete it yesterday and so, she told me she would continue the call tomorrow since she was leaving the office. 

When she called me today, XX/XX/2023, she suddenly told me that they could not move forward with the loan, but she thanked me for letting them look into it. When I asked why I was suddenly denied, she just stated " they were unable to verify my information '' and basically ended the call. I have not received any follow up email explaining why I was denied whatsoever. The online portal continues to send me updates that " I'm almost done having my loan approved. '' as if the process is still in continuation. 

I have experienced this type of behavior before, and I believe it has to do with my last name being XXXX XXXX. I am used to and can recognize XXXX behavior, as I have experienced it most of my life. This year, I had attempted to obtain a mortgage loan, and no company will approve me, even when I meet their requirements. Even XXXX XXXX XXXX XXXX non-profit ( which is designed to assist individuals with downpayment grants ) has thrown me back and forth regarding their requirements to the point where I'm not sure what I need to send them in order to qualify. Their terms seem to keep shifting. 

I only wanted this loan from OneMain Financial to consolidate my credit card debt and have some left over for my work travel, since I work for the state of Virginia, XXXX  XXXX XXXX. The fact that I was told everything was fine one day, and then the next day everything is complete different without a concrete explanation is extremely suspicious to me. I also had two hard inquiry hits to my credit score, which now seem to be for absolutely nothing. 

I don't know what will be done to help me. But, I just want others to know that this has been my experience with OneMain Financial and XXXXXXXX XXXX XXXX XXXX  ( the non profit ) specifically, who have both exhibited similar behavior. If they can not concisely and clearly explain why you were denied, and will not give you your denial in writing, it is almost always a denial reason that is not legal.
Product: Mortgage

I was approved for the down payment assistance program but now they have denied me and want to switch me out of the loan and start a new loan with higher interest and bigger down payment. They had sent me the confirmation that the down payment assistance and interesr rate was locked but they want to renege on their commitment bc market rates are going back up.
Product: Mortgage

My issue is with Ditech, and the servicing of my loan. On XX/XX/XXXX,  Ditech paid the flood insurance on my home in XXXX XXXX. The amount paid was {$560.00}. My premium amount was {$450.00}. When I called Ditech on XX/XX/XXXX, they told me that Ditech paid my insurance premium without receiving any documentation from my insurance company for the amount old. The supervisor in the insurance payment division further told me that someone from Ditech called my insurance company on XX/XX/XXXX, and requested the premium amount over the phone, and the insurance provider said that the amount was {$560.00}. Ditech was unable to provide me with any record of this phone conversation when I spoke with them on XX/XX/XXXX. I have a statement from my insurer datedXX/XX/XXXX ( the same date that Ditech says they talked to my insurance company ), saying that my insurance premium is actually {$450.00}. 

I don't believe that Ditech contacted my insurer. I don't believe that they made any attempt to know how much my premium was supposed to be before paying my premium. I can't believe that they would pay my insurance premium without some sort of paper trail or documentation stating the amount of insurance owed. 

This is my second issue with Ditech. Last year, Ditech paid two different premiums on two different hazard insurance policies covering the same house. They did so despite my insurance broker notifying them that one policy had been cancelled, and that I had a new policy. I saw my mortgage payment spike, and had to devote a significant amount of time and effort to retrieving my money -- through no fault of my own.
Product: Credit reporting or other personal consumer reports

I reviewed my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 

[ XXXX XXXX XXXX XXXX XXXXXXXX ] Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX Balance : {$44000.00} XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am actual person and consumer. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. I request that the accounts provided below be deleted from my credit file immediately for the following reason : ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. FURTHERMORE, DUE TO EQUIFAX RECENT ERRORS IN CREDIT SCORE REPORTING, I AS A CONSUMER HAVE NO CONFIDENCE IN THE REPORTING OF MY INFO. 

ACCORDING TO 15 USC 1681 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

FOR ALL OF THE REASONS ABOVE I REQUEST THE FOLLOWING ACCOUNTS BE REVIEWED/DELETED. 

Accounts : 1. DEPT OF ED / XXXX {$750.00} 2. DEPT OF ED / XXXX {$5500.00} 3. DEPT OF ED / XXXX {$2700.00} 4. DEPT OF ED / XXXX {$3.00}, XXXX XXXX. XXXX XXXX XXXX {$650.00} XXXX. XXXX XXXX XXXX {$13000.00} Account : XXXX XXXX XXXX {$9300.00} - I HAVE NEVER BEEN LATE ON THIS ACCOUNT. ALL LATE PAYMENTS SHALL BE CORRECTED AND UPDATED.
Product: Mortgage

This is a follow-up to claim # XXXX which I have just disputed. However, in an effort to further clarify my previous message which stated the following : " The second proprietary lease has been forwarded to XXXX '' who confirmed receipt. Per your letter and XXXX you were to send me back one of the proprietary leases along with the stock certificate. 

I do not understand what game are you and XXXX playing with me. I have been dealing with this issue for almost two years now which seems like a bad dream I ca n't wait to wake up from.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased a pair of XXXX XXXX from XXXX on the internet for {$110.00} using a Visa card issued by Capital One. The item ended up being shipped directly from XXXX, and I opened the parcel, and tried to use the item on XX/XX/2020. They appeared to be counterfeit and did not work, so I immediately contacted the merchant. They suggested corrective action, which still did not work. I received conflicting responses from the merchant in which they said they would sent a replacement and also an offer of a 40 % refund. The refund was unacceptable, since the items did not work, and were worthless to me. No replacement was ever sent. I then filed a dispute with Capital One. 

On XX/XX/2020, I received a letter from Capital One dated XX/XX/2020 ( mail delivery was extremely slow during the summer ) stating that the declined the dispute, and if I wanted to continue with the dispute, I would have to submit all of the documentation again, as well as a second opinion stating what the original merchant did incorrectly. I then called Capital One and explained that the only merchant who could confirm that these AirPods were defective and possibly counterfeit was the XXXX XXXX, and unfortunately, all XXXX XXXX in my area were closed due to Covid. Capital One then sent me a secure link to send whatever documentation I had, which I did, along with a cover letter. 

On XX/XX/2020, I received another letter from Capital One dated XX/XX/2020 XXXX mail delivery got even worse, but that's well known from news reports ) stating that I did not send all of the required documentation. On XX/XX/XXXX, I again explained the situation again to a Capital One representative, and he sent another secure link. I also spoke to XXXX to explain the situation, and the suggested I go to one of their authorized service centers ( which I did not know existed ). The service center examined the XXXX, determined that they were not authorized ( authentic ), and gave me documentation, which I sent to Capital One via their secure link. 

On XX/XX/2020, I received a letter from Capital One dated XX/XX/2020, the same day they sent me another link to provide more documentation on my dispute, stating that the time had expired for this particular charge. I then spoke to another representative at Capital One, and asked if the time had expired, why on the same day that they sent this letter would they have not told me this, and given me another link to send more documentation? He then researched it, and said not to worry, since the dispute was still open. 

It should be noted that Capital One gave me a phone number to contact the merchant, that was not in service, and in any case, they merchandise was confirmed in writing as not being authentic. 

Finally, last week, since I hadn't heard back from Capital One, I again called them. They said that the dispute was closed, and they would do nothing more.
Product: Debt collection

Last fall ( XX/XX/XXXX ) I received a letter in the mail from XXXX XXXX regarding an outstanding medical debt that was discharged in bankruptcy. That day I was upset and abusive and I ceased contact after filing g a XXXX complaint. 

Today XX/XX/XXXX I was going through my credit report and noticed that the debt that I owed was discharged in bankruptcy. I attempted to call XXXX XXXX today and they outright refuse to speak to me and all I want to know is who sold my debt to them. They were collecting on a debt that was discharged in  bankruptcy and I paid the company that sold the debt to XXXX   before the bankruptcy occurred, but I made that payment after it had already been discharged so Im just trying to find out who had the debt before them since I dont remember so I can get my money back. 

They refuse to talk to me today, accused me of being rude today, and keep hanging up on me. Its a simple information request. I also paid XXXX XXXX XXXX dollars at one point and that was also post bankruptcy. This company has attempted to collect on a discharged debt via mail and they owe me the XXXX dollars I paid them to get them off my back when they were actively calling me post bankruptcy.
Product: Vehicle loan or lease

In XX/XX/XXXX19 my automatic payment was not withdrawn from my account and I reached out to the finance company and they said it was an error on their end, because of this error I incurred a 30 day late payment which was not my fault.
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX XXXX to Green Tree Servicing LLC. I did received a letter from XXXX XXXX XXXX XXXX notifying about this change. It is my understanding that all servicers engaged in the transfer of my mortgage to send me a notice at least 15 days before the effective date of the transfer. However, I have not received a letter today, XXXX/XXXX/2015, 2 days after the effective date of XXXX/XXXX/2015 from Green Tree Servicing, instructing me on how to make payments, customer service contact information etc. I had use the information provided in the letter from XXXX XXXX XXXX XXXX to contact them and find out what my account number is and how to make online payments. 
I only have 10 days left to make a payment my mail and Green Tree told me that they will charge a {$12.00} convenience fee for a one time online 'speed payment '. On their website it tells me that my account in not eligible to set up recurring auto-payments, likely because it is a new account. 
As a result, I will likely be forced to make a 'speed payment ' and having to pay the {$12.00} fee, which could have been avoided if Green Tree would have contacted me at least 15 days before the effective date, as they were required to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, LAURORE SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Product: Checking or savings account

I borrowed {$30000.00} from my mother ( who borrowed from her investments ) to pay off my student loan and a consolidation loan. I accidentally sent the money to my daughter 's student loan on XX/XX/XXXX, which cleared on XX/XX/XXXX ( all XX/XX/2018 dates ). I called Wells Fargo claims department@XXXX and the claims dept. called my daughter 's student loan agency explaining what happened. The student loan agency told us that it could take anywhere from 30-45 days for the money to be returned. To be clear, the amount we are discussing is {$19000.00}. On XX/XX/XXXX, I decided to call the student loan company just to see where they were on processing this refund and they stated my daughter 's student loan is showing a balance due, so this was refunded. I called Wells Fargo claims dept. same day and was told that they have had the money since XX/XX/XXXX and she could not tell me why the money had not been deposited into my account. I called again on XX/XX/XXXX and spoke with XXXX ( Supervisor ) and he stated that he could not see why they had not returned the funds to me, but would have the money back into my account the same day. It is XX/XX/XXXX and I still do not have a credit of {$19000.00}. I am currently contracted to pay my mom {$500.00} every 2 weeks, which I have been doing, and my student loan is still outstanding and earning interest while Wells Fargo holds onto my money.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of the charged-off accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. Under the Fair Credit Reporting Act ( FCRA ), a charged-off account that is no longer collectible must not continue to harm my credit standing.

If this company have filed a Form 1099-C for this debt, indicating it has been canceled or forgiven, they have not provide me with the appropriate documentation. 

XXXX XXXX XXXX is reporting this account late when it is paid off.
Product: Credit reporting or other personal consumer reports

i noticed unauthorize inquiries on my credit report that i did not approve or have any knowledge of i want this removed and let the 3 credit buraus to do likewise
Product: Credit reporting or other personal consumer reports

At XXXX time I THOUGHT ABOUT getting a loan to consolidate credit cards, but wasn't sure I wanted to do it. After that I was bombarded with emails & phone calls that I IGNORED as I decided not to obtain that loan. SUDDENLY, I find this company on my credit report & have no idea who it is until I do a XXXX XXXX. I NEVER agreed to any loan or any terms or amount from ANYONE! THIS NEEDS TO BE REMOVED from my credit report. It makes it appear i have more open credit than I do.
Product: Credit card

I called on XX/XX/2024 to see what the issue was. They informed me my bank declined the payment. 

I called again on XX/XX/2024 after confirming I was using the correct bank account and routing number. The credit card company is telling me " on our end it's a different number '' they have closed my account and refuse to fix the issue clearly on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had fraudulently opened a personal loan in my name at Cash Central, strictly an online facility. I filed a fraud report with the Federal Trade Commission, XXXX XXXX and XXXX Cash Central had me on hold for 4 hours while waiting for their consumer affairs department. After hour 6, a recording came on saying the phone call was out of normal business hours and to call during those hours. I called the next day at XXXX mountain time. Customer Service connected me to the Consumer Affairs where XXXX took my information and put me on hold for another 3 hours. Finally another individual picked up but would not tell me her name. She finally finished getting my information and told me they do n't send the forms out for 48 hours and that I have 4 days to get the form back to them with a police report number. Day 2 and I have not received any form or correspondence from Cash Central. XXXX Ut Police Department has 230 cases of fraudulent activities from this company. They wo n't except the fraud forms and take the victim of fraud to collections for a loan they did not request. This company is fake, actively seeking anyone for their personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on my account that has not been removed and i never had on my account. Also i wrote XXXX a letter to get this removed and they did not open the investigation even. I was set up on auto payment but yet somehow i have a late pay showing on my credit report. Please assist me in getting this removed from the three credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

When taking this line of credit I was unaware and untold that I was going to have a daily interest of such a high number, when asked if weekends count as daily interst they said yes even tho they are closed on the weekends which is wrong in my opinion. Ive asked multiple times to cancel my line of credit and to do a settlement so I can pay my high balance off that keeps getting daily interest and they keep stalling, the first call the man had me on hold saying he was talking to the higher up but I truly believe he never did talk to anyone and said nothing could be done, the second person said they couldn't and that they were going to have someone call me the next day to see what can be done but never recieved a call. The third person said we can arrange something which was odd bcus the first person said nothing could be done, and the third person also said he would have someone call me but no one ever did. This is XXXX weeks later from the first phone call which means XXXX extra weeks of high daily interest that I can't afford bcus they are purposely ignoring and stalling from my needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed up for credit karma.com today. 
Credit karma never disclosed when advertising for sign up that it is a hard inquiry my score went from XXXX 20 points down just for an inquiry.