23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with Regions Mortgage. I wanted forced placed flood insurance because it was almost {$700.00} cheaper than what my policy was going to be. I got XXXX notices that this would happen if they did not receive my flood insurance from the current insurance company. I called Regions customer service on XX/XX/30 talked with " XXXX '' and he said he would make a notation in the system about this and for them to use the forced placed insurance of {$220.00} ( shown on form sent to me by Regions ). I had just recently did this on another property we own with forced placed since it was so much cheaper with no issues. Got a letter on XXXX stating they paid the other policy. I can not cancel it per FEMA guidelines unless I have another policy to show it is in force, which Regions say they can not do. I talked with XXXX XXXX (? ) and left numerous messages and he finally called me back. He got XXXX XXXX involved and said at this point there was nothing they could do and they apologized for the person not notating it correctly in their system. I have asked for this to be escalated further as this is costing me an extra {$700.00} this year.
Product: Mortgage

XX/XX/2016, I answered an Internet email advertisement about getting a Mortgage on line. I was also talking to a local company about a Mortgage and should have stayed with them. When XXXX of the Representatives from The Loan Depot contacted me ( an Internet Mortgage Company ), I decided to give them a try because of their excellent promises of " getting it done in 30 days ''. I had been warned about on line Mortgage Companies, but these people are good ... .and they talked me into going with them. The process dragged on and on and on ... ... and I really do n't think that Loan Depot steals money from anyone, they just promise money back and credits on your closing costs as long as you do what they say ... ... and then the approval process begins. Now that they have everything you can imagine about yourself, including pictures of your personal items in the home ( proving that you really live in the home ), it drags on and on and on. When they XXXX up, they ignore you. When you drag your feet, Loan Depot gives you the " death promise '' ... ... if you do n't do this or that, you are out, this loan is over. The problem with this loan was that I was coached to say things, send in items that did not exist ( which I did not send ) and then they just NEVER get it approved!! The real confusing thing was that I was told that the Loan was approved, we got a call from XXXX different sources, the Title people and the Insurance people telling us to get ready for the closing ... .and then silence ... ..nobody is returning calls and you start getting the run around. Then, on a Saturday, when they do n't think you are going to answer their phones ( because they are always phone numbers that are blocked ... .DO NOT SAY LOAN DEPOT, like good companies have on their caller ideas ) and you do answer and they tell you at the last minute, this loan is not approved at what amount you needed, but we will approve another lower amount. I told them to go for it, and once again, they started putting me through the " approval process '', unbelievable. So, after almost 90 days of Loan Depot 's promises, NOTHING ... ..and then finally a " this loan can not be done, because you wo n't give us what we need, which is items that are impossible to give them ''!! CONSUMERS, go with your gut, but DO NOT use Loan Depot or any on line Mortgage Company. If you can not go somewhere and look at these people across the desk and make them responsible for what they say, DO NOT play their game. They promise the moon and deliver nothing. Even though, they represent that they do thousands of loans a week ... ... and maybe they do. Nice people, big promises, NO RESULTS!! PS I went back to my local Mortgage Banker, locally, and they are closing on my loan next week for the full amount I needed. Thank you CFPB for allowing us, as consumers to get word out on these kinds of companies.
Product: Student loan

I have never applied for a student loan. This is a fraudulent account, does not belong to me. Asked for it to be closed and to have information regarding this account sent to me and did not receive anything.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX MD XXXX XXXX XX/XX/2024 UPLIFT , INC. 
Re : Account Number : XXXX Dear UPLIFT , INC This Account shows a balance of XXXX dollars and also 30, 60 and 90 day late payments. Please remove this account from my report I am writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request.

As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 
Please ensure that the provided validation information includes : Confirmation of my name as it appears on your records. 
The precise amount of the debt claimed. 
The name of the creditor to whom the debt is currently owed. 
I expect your compliance with this request within the timeframe specified by law. Failure to provide this validation information may result in a violation of federal regulations.

Furthermore, I remind you that all future communication regarding this matter should be in writing, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). I reserve all rights afforded to me by law in this matter. 
Thank you for your prompt attention to this request. I anticipate your timely response. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX 2015 I was evicted from my apartment. All my personal belongings including identification we 're padlock inside and later thrown out. When checking my yearly free credit report there were fraudulent accounts in my name. When contacting the credit companies some did n't hesitate to close and remove the accounts from my credit. XXXX/XXXX XXXX agent could n't careless and used the number I called to harass me for payments. The other two accounts were with XXXX/XXXX and XXXX XXXX XXXX which has now sold the account to XXXX XXXX. XXXX and XXXX has removed the fraudulent accounts but XXXX  continues to report the fraud accounts even after multiple dispute submitted to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing my erroneous accounts reported in my credit report since XX/XX/2021 and have never received a response from the credit bureaus. What else am I supposed to do so that my rights are not violated? I have already sent letters by all known means. I am not happy with the way the credit bureaus have handled my case. I am in my right to dispute all the erroneous accounts that I find in my report, and, if it is not verified, it must be eliminated.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I was approved for their XXXX XXXX XXXX XXXX for {$1000.00}, of which only {$250.00} would be transferred to my acct, and {$750.00} would be sent to a reserve acct, and can only be accessed when paid off in full. Within minutes of approval I called in to cancel or void as they stated, the loan. I was told by that since the transfer of {$250.00} had yet to be processed she could void the transfer and cancel the loan. The next day, XX/XX/year>, I called to verify it was voided because it was still showing in the app and another lady confirmed in previous notes and said she sees where it is voided and not to worry. On XX/XX/year>, there was a transfer to my checking account of {$250.00} from MoneyLion. Frustrated, I call back in on XX/XX/XXXX and am told the only way to cancel the loan is to pay {$250.00} now ( {$1.00} interest ). Wanting to just be done with it I happily said go ahead and charge my account I do not mind paying {$250.00} at all. He said it would be processed in 10-15mins and he would give me a call back to use my credit reserve funds of {$750.00} to close the acct. I would like to note that the whole reason I am having to call in to make these payments is because it does not allow me to do so online or in the app. It only allows me to make the scheduled payment or pay {$1000.00} off in full from my checking account. A couple hour later after not receiving a call I call back in again and each time I have to reexplain myself. The lady said the payment is still pending and to give it a day or two. XX/XX/XXXX, I call back and am told there is an error with their system and the payment is still saying scheduled for the prior day ( XX/XX/XXXX ) and will now have to be further looked into which could take 1-3 days. It is past 3 days now and I have received no information as to why I cant simply make a payment or why it was not initially voided. When I asked why they cant simply make another out of schedule payment of {$250.00} to close the loan, he said bc the other is still scheduled from XX/XX/XXXX. The first payment is coming up on XX/XX/XXXX and I fell they are intentionally delaying. They had no problem processing the {$9.00} monthly membership from my account and yet they cant process the payment of {$250.00} when they are linked to my bank account through XXXX and debit card? Please help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion show 14 late payments for my student loans with the Department of EducationXXXX XXXX XXXX XXXX and XXXX of XXXX. I have contacted XXXX to verify and correct this information and have been advised that no late payments are being reported. I have also submitted several dispute letters to the credit bureaus, which have been unsuccessful in getting this matter corrected.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a number from XXXX ( XXXX ) - XXXX - XXXX, called me, I picked up and they claimed this was wells fargo stating they are calling because of fraudulent transactions that are appearing on my checkings account. I told them to prove to me they are wells fargo and they told me look up the number. Sure enough if you google the number, the number is indeed a wells fargo fraud case number. They asked me about transactions occurring in Georgia and I told them no this was not me. Furthermore, I believed them even more after they read real payments I have made with my debit card that I have made transactions ( for example, a XXXX XXXX purchase and a gas station purchase ). This made me think this was actually wells fargo because they had information on my bank statements. All the text message came from " XXXX '' which is a wells fargo number they use to contact customers. So it seemed more and more legit. 
They asked me for my SSN and XXXX  I did give that to them. They told me in order to fix this fraud, we need to use your apple wallet. This part is blurry because it has been a while, but basically they told me to type in {$2900.00} in my XXXX  wallet to fix this whole issue. They told me they would call me later about this fraud. Later at XXXXXXXX XXXX  the same day, they called and said that this was being fixed. The VERY next day on XX/XX/XXXX I went to the bank because I saw {$2900.00} being withdrawn from my account. I went to Wells fargo that day to see what the issue was about. I told my banker this was NOT an AUTHORIZE TRANSACTION and that this money suddenly taken out WITHOUT MY PERMISSION. The banker, made a fraud claim. He even ensured me this claim was going to pass. That day my banker requested a new debit card to me. 
Sure enough, Wells fargo called XX/XX/XXXX I believe, about the claim. I gave my answers truthfully. On XX/XX/XXXX I saw the claim had been denied. On XX/XX/XXXX I went to wells fargo again about the claim. The same banker was surprised the claim didn't go through. We made an " executive claim '' this time. My banker knows the SSN was given but that doesn't explain how the hackers accessed my bank account and could read my transactions. The very day I made a new checkings account because I had no idea how the details to my account got compromised. It has been more than XXXX days and Wells fargo has still not contacted me. I called them on XX/XX/XXXX, and the lady on the line from the fraud department told me there was nothing I can do. 

Here is the claim number : XXXX XXXX claim number : XXXX
Product: Debt collection

I DEMAND Midland Credit Management to immediately CEASE and DESIST all Collections actions with me. I confirm that I received a written communication from you dated XX/XX/2024. Where in you make a reference to the above captioned matter. It is apparent that you are acting on the presumption that we had a contract or agreement. I am unaware of this contract or agreement between Midland CreditManagement and XXXX XXXX XXXX. I dont understand how to respond to you in as much as I am unaware of any contract relationship between us.Collection activity includes furnishing any information on this subject matter to any consumer reports, There should be no publication or advertising of any kind until the dispute is resolved pursuant to 15 U.S. Code $ 1666a ( a ), 12 CFR 1006.6 ( c ) ( 1 ), 15 USC 1692 ( c ) c and FederalDebt Collection Practices Act ( FDC PA ) .15 U.S. Code 1692e.Aggravated Identity Theft and they are in violation of Federal Debt Collection Practices Act ( FDC PA ). 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ), violation of Privacy, fraud, False or misleading representations, Defamation of character, extortion, mail fraud, Slandering, Libel and Racketeer. debt. A debt collector does not have the right to communicate without a prior written consent period. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) does not state that such a consumer owes any debt. I DEMAND Midland Credit Management to immediately CEASE and DESIST all Collections actions with me. With this notice, under the law, you can now only contact me to : 1. To advise me that your company further efforts are being terminated. 2. To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor
Product: Debt collection

On or about XX/XX/XXXX, I received a phone call from Midland Credit Management. At that time I was driving and had others in my vehicle who could hear my conversation. The representative of Midland stated the call was an attempt to collect a debt. I interrupted him and tried to explain it was a really bad time and if I could return his call at a later time, he cut me off and stated that the account was not pending litigation. Before he could finish I ended the call. 

Later that day, I called the number back and the representative asked how did I hear about them, told him about the call I received earlier. I also complained to him about the previous call. I then explained to him about my dire situation in XXXX ( when I had to stop making payments ).  Explained that I recently had major XXXX and have been recovering past XXXX months. He wanted me to commit to making a payment and I explained I could not commit what I do not have. I further explained my financial hardships, especially now with the shutdown due to the Pandemic. He repeatedly stated if we could not come to an agreement, he could not guarantee the debt will not be turned over to the attorney for litigation. He then questioned me whether I wanted to take care of my bill or not ; whether i wanted to fix my credit. I informed him that they were really inconsiderate calling and making threats during this Pandemic we are going through. I then informed him to cease calling my phone and to contact me through US Mail only. He then asked why and if I wanted to make an arrangement to avoid litigation. I informed him that I needed to seek legal advice so I could know what my rights are. The representative started asking me again if I wanted to avoid litigation and improve my credit. I ended the phone call. The following day, I received a XXXX package with a letter demanding payment or for me to make payment arrangements. 
All I asked for was time to figure out how I will handle this debt given my current financial hardships.
Product: Bank account or service

Ally bank decide to put a restriction on my saving account without letting me know. There is no way I can get the money back. Our hard earned money! And still they say they rated XXXX 5 years in a row.
Product: Mortgage

I really do not know where to start at, I have been dealing with SPS- Select Portfolio Servicing since 2015, trying to do a deed in Lieu that I was approved for, due to me facing hardship at my job which caused me not able to keep my home, then I received a letter stating I did not have all the paper work I sent, I re-sent in all paper work via fax, next day postal service, an email and its the same story over an over now we are still here years later with the same issues we have found a realtor who is trying their best to help us yet are felling like what is really going on an why is it so hard to get results on a simple issue, granted no Deed in Lieu to transfer home back over, found a buyer to buy the house sent in all paperwork an still getting letters stating we are missing documents, every time we call its the same thing over an over we have sent in so much paper work Im tired I can not take it no more, SPS is very unprofessional no one knows anything, every time you call you get a different answer. they claim we had a relationship manager who we never spoke to accept once. SPS are sending us through the ringer an back, an its very sad to have to be putting up with this for over two years. I just feel this matter is above my head right now that is why I am looking for other resources to help me an my family now because enough is enough
Product: Mortgage

XX/XX/XXXX contacted mortgage to pay 3 months mortgage payments of XXXX. Shellpoint said they will take payment out on XX/XX/XXXX. Payment never came out. Called mortgage company who said they had a problem getting payment onXX/XX/XXXX. On XX/XX/XXXX i sent payment via certified check. After talking with my advisor they told me that is all I had to pay and they would then take rest of payments owed plus cost and put it in a 6 month period. On XX/XX/XXXX I called to inquire about the repayment and was then told that the money sent was being returned because it was not enough and was being returned. Trying to find out exactly what I need to pay, which he never told me, I was told to send one month of paychecks and to visit there website for additional help. When I went to website I was having technical difficulties so.i sent them an email on XX/XX/XXXX. I still have not received a response. I also left a message for my my main advisor on the same day. I still have not received a response from either. I called on the XX/XX/XXXXand was now told I have to pay XXXX after I am hopefully approved for the repayment plan and shouldn't have sent anything until I was approved. I am wondering why I wasn't told this back in XX/XX/XXXX when I was first trying to correct this situation. 

Now it has been 3 days and once again I still have not heard anything on what my Payment should be. And since the Payment seems to go up XXXX dollars every week and I expecting them to tell me I owe the XXXX before I hear from them. 

I feel as if Shelllpoint mortgage company is trying to sabotage me and not trying to help me. 

Thank you XXXX XXXX XXXX
Product: Credit card

To whom It may Concern. 
My name is XXXX XXXX, who has Capital credit card XXXX digit XXXX. 
On XXXX, I tried to order XXXX XXXX with XXXX and before submitting, the XXXX asked to charge me cash advance and need to pay some fees, too. I did not agree and closed it, but XXXX still took my money in my account without my permission. I called to report with Capital-One help me to take my money back in my account. But again, on XXXX XXXX, The Capital-One allowed XXXX  took my money {$1000.00} without notifying me at aIl.I called themmany times asked me to cancel and uploaded the cancellation and refund letters on XXXX XXXX On XXXX XXXX called to talk to XXXX XXXX, who's manager of Capital-One. She asks me to write this letter to verify that I have not received any money yet..In my card, I have {$500.00} available for cash advance, but Capital one allowed XXXX  take XXXX cash advance.Now They let me deal with XXXX by myself Capital one did not protect their customers at all
Product: Mortgage

IN RESPONSE TO BANK OF AMERICA N.A . STATED IN IT 'S LETTER DATED XX/XX/XXXX THEY STATED THAT THEY HAVE NOT FILED ANY COURT ACTION ON ME SINCE XX/XX/XXXX THAT IS A BLANT LIE, PLEASE SEE ATTACHED COURT DOCUMENTS THAT THEY HAVE IN FACT FILED NUMEROUS ACTION ON ME IN XX/XX/XXXX, AND PLEASE FIND ATTACHED CREDIT REPORT SHOWING THEY REPORTED AGAINST ME ALONG WITH XXXX XXXX SERVICE.IT IS IMPOSSIBLE TO DEAL WITH THESE PEOPLE THEY CA N'T BE TRUSTED.BOA FILING COURT DOC AFTER TRANSFERING THE LOAN.PLEASE ASK BOA TO EXPLAIN THEM SELF.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed. I had fraudulent accounts on my report. Pleases remove these accounts from my report. They are hurting ability to obtain credit. It is found in the XXXX credit bureaus XXXX, XXXX, XXXX Milestone bank account # XXXX {$1200.00} XX/XX/year>
Product: Debt collection

This debt collection law firm, sue me and won the case. My wages were garnished for 1 1/2 years, I believed ending in XXXX 2016. On XXXX XXXX, 2016 my wage garnishment started up again. I contact my employer and they said that it was sent a letter of an adjustment of my balance. The total amount that I owe in the lawsuit was {$10000.00} and my employer said that it was the same company that is taking the garnishment again. I contacted the Hunt & Henriques and I was told that it was fees and that my employer may have thought they have collected the total amount. I asked them what the amount was for and they just told me fees. The original amount of the lawsuit was paid off and they are now collecting more money for fees that was not on the original lawsuit amount and did not sent me notice or information on these additional fees of {$1000.00}. I have try to contact them and leave messages, but they have not contact me back. I have originally talk to representative name XXXX regarding the situation. He told me to call my employer about the start up on the garnishment, but my employer said that it was Hunt & Henriques that reissue that paperwork to my employer. I believe they are illegally charging fees on top of fees that are out side the lawsuit that was paid out. I have not contact a lawyer, but would like my money back for the garnishment they are taking out of fees that they did not disclosed to me. I believe if they are doing this illegally to me that they are doing this to other consumers.
Product: Credit reporting or other personal consumer reports

I have inquires on my credit report I am not aware of. I just got an alert and didn't apply for anything. I have uploaded my report.