23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am 100 % Service Connected XXXX XXXX XXXX, I had a bad XXXX  XXXX. I used my VA home loan to purchase a home. XXXX XXXX XXXX had been a great company to do business with, and I even paid my mortgage 2 months ahead. 

Unfortunately XXXX  was purchased by Shellpoint/NewRez and AFTER I told them I was a 100 % XXXX Vet, they added {$420.00} to my mortgage. 

I have called them numerous times without it getting fixed. I have two audio recordings with employee XXXX, and then another audio recording with employee XXXX is an accountant with Shellpoint and went through all the mortgage statements. She said she was unsure why or who added the {$420.00}, but that it was clearly a mistake. This conversation was back in XX/XX/2023 and I never got another call. I have received three letters all asking for more time " due to the complex nature ''. 

I refuse to pay XX/XX/2023 mortgage until this is fixed. Also, I am about to sell the condo. I will NOT PAY off my loan after I get the sale check unless this {$420.00} is taken off my loan debt. 

TAKING ADVANTAGE OF XXXX VETERANS IS DISGUSTING! 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX all attempts. 
Asking for validation of amount owed, correct date of account. The date is wrong. The collection agency is stating this was opened in XXXX when I have had the same insurance for many years. The credit reporting company comes back with all information has been verified, without anything I has asked for multiple times. This goes agonist the FCRA section1681s-2 ( b ), a consumer must : Alert the credit reporting agency ( or CRA ) of a dispute regarding the allegedly erroneous information that it reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> RESIDENT VERIFY XX/XX/year> XXXX U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary d

amages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Debt collection

STATEMENT OF FACTS : 1. On XX/XX/XXXX, XXXX XXXX, hereinafter Respondent, made presentment of a PRIVATE ADMINISTRATIVE REMEDY DEMAND No. XXXX, incorporated herein in its entirety as Attachment A, to CONCORD SERVICING CORPORATION XXXX hereinafter Debt Collector, for the setoff, settlement, and closure of Account No. XXXX, hereinafter Account, sent via XXXX Registered Mail, XXXX XXXX. XXXX. 
2. Enclosed was an Offer of Performance, Tender of payment ( promissory note ) and Debt Collector Disclosure Statement, incorporated herein in its entirety as Attachment A giving twenty one ( 21 ) days for response. 
3. On XX/XX/XXXX, XXXX XXXX, made presentment of a NOTICE OF FAULT AND OPPORTUNITY TO CURE AND CONTEST ACCEPTANCE incorporated herein in its entirety as Attachment A, to CONCORD SERVICING CORPORATION, sent via XXXX, Article No. XXXX, giving debt collector XXXXen ( 10 ) days to respond 4. Debt Collectors failure to sufficiently respond or timely honor the Presentment, by the terms of the Presentment, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE contained therein. 
5. As of XX/XX/XXXX Respondent has not received sufficient response to the Presentment, thereby placing the Debt Collector at fault, as evidenced by the CERTIFICATE OF NON-PERFORMANCE dated XX/XX/XXXX, a record of which is attached hereto as Attachment A. 
6. Debt Collectors failure to sufficiently respond or timely honor the Fault Notice, by the terms of the Fault Notice, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE incorporated with the Presentment. 
7. Debt Collectors acceptance and approval of the TENDER OF PAYMENT ( Money Order ) constitutes Debt Collectors agreement to the stipulated aggregate amount of unpaid obligations being XXXX ( {$0.00} ) and XXXX/XXXX dollars. 
8. Debt Collector has defaulted. 
9. As an operation of law, Debt Collector by dishonor of the Presentment and the Fault Notice has created a default. 

XXXX XX/XX/XXXX XXXX sent a " verification of debt '' letter to myself. It stated " please find enclosed a copy of your signed contract and/or other documents validating such debt '' Enclosed were " 0 '' documents or signed agreements. There was nothing else enclosed. Stating there were enclosed documents was false. XXXX also stated in the document that collection activity will commence. 

XXXX XX/XX/XXXX XXXX received my notice of default and consent to judgement and has still failed to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,2015-   XXXX -  I call  XXXX   XXXX   XXXX    XXXX   and they will try to removed this off my credit report because it 's  past 7 years old. n o change on my credit report.
Product: Credit reporting or other personal consumer reports

I ask for all incorrect accounts to be removed and Al things that where hacked and stole
Product: Credit card or prepaid card

This is not a duplicate complaint. This is a complaint in regards to CFPB complaint XXXX. USAA blatantly lied on this complaint and said I never requested to have my name placed on the do not call list. XXXX never researched my calls because of they did, they wouldve seen that I requested XXXX separate times to be placed on the do not call list. You have done no research in this matter and I have an issue with the dishonesty USAA provided to me and the original CFPB complaint. You need to correct that lie
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has ignored my request to investigate my dispute items. I sent in two letters and have been patiently waiting for a response and have not received anything yet. It has been well over 30 days at this point.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the following information on my credit report ( Experian ) as it is the result of identity theft. I have not authorized any transactions or accounts with XXXXXXXX XXXX XXXXXXXX XXXX XXXX The fraudulent information includes : Account XXXX : XXXX Date Opened : XX/XX/year> Balance : {$1000.00}
Product: Credit card or prepaid card

I am having an issue with https XXXX XXXX. This is the listed web address for checking pending payments. I have paid two payments in both XXXX and XXXX XXXX. I paid {$70.00} twice on XX/XX/XXXX. I made three payments in XXXX ( two were to pay the minimum due {$50.00} XX/XX/XXXX & {$23.00} XX/XX/XXXX. This satisfied my monthly amount due ). I did this because I went onto the web address above and looked for my Payment Status/History and saw No Pending Payments available. Therefore, I went ahead and made sure XXXX was taken care of. On XX/XX/XXXX another payment was debited from my bank account in the amount of {$110.00}, which I had apparently authorized but I was unable to see on their website. I called customer service to try and rectify this problem and was told there is absolutely nothing they can do. They can't move the {$110.00} I paid on XX/XX/XXXX to my XXXX bill ( which I found out I also had two pending payments for, both unable to be viewed via the website from above ). I feel this is an intentional issue on the part of the Bank ( not being able to see pending payments ) and it has caused multiple payments to be issued for  months that had already had a payment made. I was told I have to dispute this charge through my bank. Why is this burden on the consumer? I have done my due diligence by making sure I am not late on payments, yet the Bank can provide whatever information they want to provide and omit information to consumers that help them budget their money. Needless to say it is XXXXtime and I would really like my money back ...
Product: Mortgage

Received the very first and only phone call from Ditech ( XXXX ) regarding my mortgage. I was recently denied a loan modification. This after 7 months of trying to obtain one, and not one verbal request or question by Ditech. I asked if I could make payment arrangements for the past dues, was informed that my home was placed in foreclosure on XXXX/XXXX/16. I was never notified by them. I was also told as per their legal dept that this was the only call XXXX was allowed to make.
Product: Mortgage

Please note the attached documents were submitted and the BANK OF AMERICA has offered us a cash settlement to sign our interest over to them and we have been trying to work with them for over 5 years on this.! The tax liens are attached to the property XXXX XXXX XXXX XXXX NC XXXX. All was filed and documented as you will see attached. This has been such a beyond nightmare and I have received a ton of letters from BANK OF AMERICA stating they would get a resolution, they have kept on and on and back and forth and never want to resolve or give any answers! I am sick of being put on the back burner and treated like a automated letter will go out. I am going to mail, fax and send all XXXX pages of correspondence to you, banking commissions, and any other complaint places because they are wrong! Desired resolution- We will release our unencumbered interest to them for settlement we sent them. This has caused my family to break up, move XXXX times and end result wasted a ton of my time when all they had to do was work with us originally. It is so beyond fair that people just have to let BOA give them what they want because they do n't care. I am actually sick of playing games and getting all this correspondence, letters, sign this and do this and I am not agreeing to a settlement until it is right.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report, and I contacted Equifax in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights
Product: Student loan

I moved to XXXX in XXXX and was an international student, and I had received a loan from SALLIE MAE with a co signer. 

Last summer ( XXXX ) I only was able to complete my first year, after I had XXXX life threatening experiences and no longer am in school. 

I am unable to make the repayments, and it is affecting my co signer and my credit, i need some help trying to resolve this. 

The loan amount was for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s. sc 1681 602 A, states I have the right to privacy.

15 u.s. sc 1681 604 A, states a consumer reporting agency can not furnish a consumer report without written instructions from consumer. 

In accordance with the fair credit reporting act the accounts on my credit report have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

Our lender refinanced our home but missed the deadline date and had us back date the loan documents then they sold our loan even though it says in the contract they would not. Then they sent the homeowners check to the wrong insurance company causing our homeowners insurance to lapse for 4 months then the next day placed PMI insurance on our Va loan even though they knew our homeowners company went solvent and had a new one. They then charged us all these extra escrow fees PMI insurance late fees and sent us a satisfaction release and discharge. I have all the evidence we need help we are now behind bc of all these fees and PMI insurance
Product: Checking or savings account

Thursday XX/XX/year> my direct deposit was supposed to post to my account at XXXX XXXX. I logged in via the app and online and my direct deposit was not in the account. I called the customer service line at XXXX and waited over 30 mins on hold. Only to be told that Capital One is having technical issues with direct deposits. I have bills that have been hitting this account and no funds to pay them due to this banks technical issues! On the website down dector thousands of people are in the same situation as I am, some have been waiting since Wednesday to get their paychecks. I know you guys recently sued CapitalOne and they are now making their customers pay by withholding our paychecks. We are in an economy where many people are living paycheck to paycheck and this bank only gives us a sorry we're having technical issues speech and can't provide an estimated time for the issue to be resolved. Our paychecks are stuck somewhere in the cloud or whatever this is unexceptionable. There are late fees being accrued and checks bouncing due to this banks failure this needs to be class action lawsuit because some customers may never recover from this error that is on behalf of CapitalOne!
Product: Credit card

Our WestBanco secured credit card was closed XX/XX/2023, The secured balance was applied to the cards outstanding balance and overage was paid to bring the balance to XXXX. 

Over the past 2 months we were told the account was not closed and we were accruing late fees and interest. We have made multiple calls to the bank with no resolution. 

Our next step is civil litigation.,
Product: Credit reporting or other personal consumer reports

ALL THIS STARTED WHEN XXXX XXXX APPROACHED ME TO HIRE THEM TO COMBINE ALL MY CREDIT CARD PAYMENTS INTO ONE BACK IN XXXX  2023. I TOLD XXXX XXXX I COULD NOT AFFORD TO HIRE THEM I DID NOT NEED THEIR SERVICES. THEY ACTED WIHOUT MY PERMISSION AND CLOSED ALL XXXX CREDIT CARDS, CAPITAL ONE PLATNUM # XXXX, QUICK SILVER XXXX, WALMART XXXX, AND XXXX XXXX  XXXX AND XXXX XXXX  XXXX AND THOSE COMPANIES REPORTED ACCTS CLOSED SAYING I CLOSED THESE ACCTS I DID NOT AND LATE PAYMENTS ON SOME BUT I HAVE BEEN UP TO DATE AND WORKING ON A PAYMENT PROGRAM FOR ALL CARDS. THEY CRASHED MY CREDIT REPORT TO XXXX SCORE. I'M ON SEC 8 HOUSING AND I CAN NOT KEEP MY APARTMENT WITH BAD CREDIT. THERE IS NO 2ND CHANCE TO RE~ATTAIN SEC 8 HOUSING EVER AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to find a company called XXXX XXXX saying i owe them {$1600.00} and that i opened an account with them in XX/XX/XXXX and I never had an account with them nor did i authorize and inquiries on my report. on Transunion I have an inquiry from XXXX XXXX on XX/XX/XXXX and XXXX  XXXX XXXX on XX/XX/XXXX. XXXX   XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things that have happened : XXXX XXXX : On XX/XX/2022, it says that we had a late payment on all three of my credit bureaus. The payment was processed through their portal but it did not go through and I was never notified even though I received a payment confirmation. 

XXXXXXXX XXXX : This account was opened in XXXX through XXXX XXXX XXXX XXXX for a new mattress. I was told that I would receive information on how to pay my bill in the mail. Nothing ever came. I called XXXX at least 3 times trying to get information on how to pay. The automated system would hang up on me because I didn't have an account number, but I didn't know the account number because I never received anything in the mail. They then texted me on XX/XX/2022 to call them to make a payment. Relieved, I called them, made the payment and the money was drafted over the phone. Then they charged me for a 30 day late. They would not remove it on their end and told me there was nothing I could do. 

Multiple Inquiries on my credit report : I tried to get a business loan through an online lender and they gave my confidential private information to 3rd parties who have continually run credit checks on my account. I'm livid. I think there are 30 different inquiries right now.
Product: Checking or savings account

On XX/XX/24 my parents received a checkbook for a new account for high yield savings account with Charles Schwab. Additionally, there was a message left on their home message machine from a " Charles Schwab Rep '' requesting a callback to a number that is not associated with Charles Schwab.

I called the Charles Schwab fraud line and they told me they could close the accounts and that they had been flagged as potentially fraudulent from the start but that information had been provided to pass through the fraud checks.
Product: Consumer Loan

I have had a personal consumer loan with Avant finance for over a year. Monthly payments are {$260.00} per month and after 12 months only {$750.00} has been applied to the loan. The interest has been front loaded and if I carry the term of the loan, I will end up paying over {$8000.00} in interest. I am not sure if this is legal, but feels like I am being taken advantage of and predatory. Do n't mind paying the loan, I borrowed the money but more should be applied to the principal. Thank you
Product: Mortgage

Repayment plan Show Deferral or partial claim Show Modification Show Show I have offered all these options to help get back on track for my forbearance due to Covid and they keep telling me they want the full payment. Its always been a struggle to deal with this company. I even had to file bankruptcy which thank God I finish it last month in XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my student loan is no longer with great lakes higher education. I am now with XXXX DEPT OF ED. But great is needs to get remove from my credit report i tried to dispute it nothing is getting done. The account was open in 2009 {$1200.00} {$7500.00} {$18000.00} {$2900.00} {$10000.00} {$1700.00} {$7500.00} this loan has been consoildated with XXXX so why is it still on my credit report
Product: Checking or savings account

I opened a complaint with cash app because my car was broken into and my purse with everything was stolen. My cash app card was used for XXXX transactions that went through. XXXX for {$90.00} at XXXX and another for {$18.00} at XXXXXXXX XXXX XXXX. My complaint was close after cash app responded. In their response they claimed that i was refunded the {$90.00} which is not true. They also left out the {$18.00}. I spoke with a cash app representative today on XX/XX/year> who confirmed that my payments have not been reversed. The representative also submitted my complaint to be reviewed again and provided me with a case # XXXX. The representatives name is XXXX. He was very confused on why theres so much confusion when Ive proven that my car was broken into and my card was fraudulently used. Cash app has sent a response that they did not hold up to. They claim that my money was refunded on XX/XX/year> and that is not accurate. It is extremely unprofessional for someone to have to go through such lengths just to get my money back after submitting more than enough proof to back what has happened to me. To have someone violate me by breaking into my vehicle and steal my personal belongings then have to struggle with a company like cash app to get my money back is unacceptable and a reflection of the flaws in their business practices. I would like more than a bogus response and to actually have both transactions credited back to my account immediately. {$90.00} from XXXX and {$18.00} from XXXX XXXX XXXX. My cash app name is $ XXXX. There should be no issues finding my account and crediting back what belongs to me.
Product: Credit card

I was one day late after thinking that I had scheduled a payment. I made the payment one day past the due date and was charged over $ XXXX in interest. I have filed a compliant with the company ( complaint number below ). 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASES 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent payday loan was made in my name. I became aware of the issue on XX/XX/2023. I received a letter from XXXX XXXX about debt collection. The company name is XXXX. I reported that this was identity theft/fraud to them as well as Experian, XXXX, and XXXX. I have put a freeze on my credit with all three reporting agencies. 
When I checked my credit report this shows as a bad debt.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated or deleted.XXXX XXXX  XXXX Balance : {$26.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$37.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent hard credit inquiry was made on my credit report on XXXX XXXX XXXX. I reported this to the company Barclay 's Bank of Delaware in XX/XX/. It is still on my credit report. 
I contacted them again, this month, and they are still not taking action to get this removed from my credit report even though it was found as fraud.