23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have filed a complaint against our mortgage company twice on this website. The first time we got no response from anyone! This time we received a response from the President 's office of our mortgage company. To date, they have put us off twice already saying they are " researching our file ''. We have an attorney and have sent the required paperwork XXXX times for help and assistance.Today we received a letter from PHH 's attorney saying they are recommending foreclosure. No help and NO acknowledgement from them. Now more money will be tacked onto our account for their gross errors for their attorneys fees and that doesnt ' even include ours!!!!!! This game has to stop!!!!!! They take our money and give us NO credit to our account for it or they send our payments back to us. They say they are sending paperwork to us but do n't. They called and offered to allow us to pay {$720.00} a month and a reduction in principle, we agreed, then they never sent paperwork to us. Now they are not following through with that offer. They promised paperwork after a forbearance plan, no paperwork arrived. This is a big game to them but it has to stop now!!! This Bureau source has been no help to us so we are moving on up the ladder. This is a horrible injustice to us and others like us and has to end now!!!
Product: Checking or savings account

On XX/XX/XXXX, I started having problems with my account. I ended up getting a new card and account and I had the same issue. I went into the branch and requested to close my accounts and they blocked me and they had asked and received my marriage and maiden social security cards, phone bill, my financial aid documents from XXXX from school and copy of date my email address was created, copy of my XXXX drivers license, then they changed my number and said I would receive a code to unblock my account in the mail, the code came Friday and they said it was not the code, and its been a week and no other code has come though they claim that the code I have is not the code. It is becoming depressing with my XXXX and I cant deal with this anymore.
Product: Credit card or prepaid card

I opened a credit card with XXXXXXXX XXXX XXXX. It offered no interest for 12 months on purchases and rewards of {$200.00} when {$1500.00} was charged on credit card within three months plus reward points on purchases. I had made successive payments on card and made more than minimum payment on account. After I had redeemed the {$220.00} rewards I had earned, they decided to close my account before the rewards would be credited on my account on the next statement. UMB had assured me the rewards would be credited on next statement via a phone conversation. A week later they told me I was a credit risk for very questionable grounds despite being in very good standing on my account and having a credit score of around XXXX. 

Please look into this matter for me for I feel I was purposely defrauded by UMB given they had sent me a promotional letter in mail in order to get me to open this credit card with the bonus offer. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following alleged XXXX  debts that have not been validated and updated with the company name or contact information. 
I do not know 1 ) if this is my debt - 2 ) if it is my debt WHO I Owe and where to pay! 
I have already disputed with Equifax multiple times over XXXX - 6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and these type of inaccuracies are unacceptable! 

Account XXXX. XXXX XXXX {$140.00} Account XXXX. XXXX XXXX {$200.00}
Product: Debt collection

I hereby declare that I do not, and have never consented to any contract purportedly established between myself and [ insert name of collection agency ], as there exists NO SIGNED CONTRACT BETWEEN US IN ACCORDANCE WITH THE UNIFORM COMMERCIAL CODE ( UCC ) UCC 2-201. FORMAL REQUIREMENTS ; STATUTE OF FRAUDS! UCC 2-201. Formal Requirements ; Statute of Frauds : ( 1 ) Except as otherwise provided in this section a contract for the sale of goods for the price of {$500.00} or more is not enforceable by way of action or defense unless there is some writing sufficient to indicate that a contract for sale has been made between the parties and signed by the party against whom enforcement is sought or by his authorized agent or broker. 

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

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS Settled and paid in Full or to Agreed amount : XXXX XXXX : {$1800.00} - XXXX : {$17.00} XXXX : {$160.00} XXXX : {$970.00} XXXX : {$2000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX : {$700.00} XXXX  XXXX : {$1000.00} XXXX XXXX : {$1500.00} XXXX XXXX XXXX {$23000.00} XXXX : {$420.00} XXXX XXXX {$3100.00} XXXX XXXX {$2900.00} XXXX : {$430.00} I filed for Bankruptcy in XX/XX/XXXX. The XXXX was dismissed in XX/XX/XXXX. These accounts are in some cases over 7 years old and at least 5 years old. I have filed multiple disputes with all of the credit agencies- XXXX, XXXX and Transunion. Many account still show on my credit report as Collections/Deliquent or Part due. I have a payment agreement with XXXX XXXX - third party. I have paid XXXX and XXXX off fully. The other accounts were settled for lesser amounts. I would like my credit report to reflect the fact that I have been in XXXX for 5 years in which many of the accounts were paid. The way it reflects now is impacting my ability to buy a house. I need to have these removed or at least updated to show as paid - not Collection or Deliquent or even Past Due.
Product: Checking or savings account

XX/XX/2023 I deposited XXXX in my account and after I deposited the check my account was placed on hold.. I reach out to Truist Bank and tried to fix the problem and the bank place a 10 day hold to make sure funds would be available. My fund became available XX/XX/2023 and they put another hold on my funds and will not give me a date to get my funds.
Product: Vehicle loan or lease

I called to request paper statements to be sent for my records which they must supply by law. I was refused by special person assigned to my account ( XXXX XXXX. I was told that they can not supply my request and to only view online. Online does it supply breakdown of fees and charges and does not supply a invoice.
Product: Vehicle loan or lease

On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX to lease a car. They use ALLY bank for the leases. Ally says the can not lease du to information on my credit report that Ally got from a company called XXXX. I contact XXXX to get a copy but no one ever answers their phone ( XXXX ) or returns a phone call if you leave a message. I contacted Ally and since they have no employees who can speak English they kept transferring me around. 4 transfers and no one who can answer a question about credit reporting.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses. and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing outgoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit card or prepaid card

I had disputed a XXXX XXXX XXXX XXXX charge as I was overcharged by an amount of {$1100.00}. This was resolved by Chase Cardmember Services after I provided them with all the documentations requested which included an acknowledgment by the XXXXXXXX XXXX XXXX XXXX  location manager on wrongly charging the account. I also received a confirmation letter from Chase that this dispute was closed and the credit which was applied temporarily to my account would remain permanently. Please see attached letter from Chase. This charge was however reinstated on my card with no further explanation. I tried calling Chase multiple times via phone calls to which the response has been that they can only open it up for research and can not do anything further. I have also sent Chase multiple secure emails and it has been more than 2 months now and has received no explanation or resolution to an already resolved dispute ( as per the attached letter ). 
I have reached out to Chase with this issue via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and via phone calls and talked to XXXX XXXX ( Chase does not allow their employees to provide last names ) in early XX/XX/XXXX who acknowledged that the charge is incorrect ( on a recorded line ) and that it should not have happened but all he could do is open it up for research ( again ) with the disputes resolution. He assured me that the resolution will be done in 5-7 business days. About 2 weeks later in XX/XX/XXXX I called again and this time XXXX XXXX who is manager gave me the same response and said it will take about another month to resolve this. I talked to another manager called XXXX XXXX on XX/XX/XXXX and he said he is not aware of this issue and has no access to emails or phone call history. At this time its been over a month with no communication or resolution to the matter and we are tired of making phone calls and have been provided with no resolution to the matter. 
I am not confident that Chase is trying to do the correct thing here and as a consumer, I feel like I have not received the resolution despite a confirmation from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear BOFA, I have a hard inquiry on my account on XX/XX/2023. I did not authorize my credit file to be pulled. I would like to request a deletion of the hard inquiry on my credit report.
Product: Mortgage

I saved my house from foreclosure then wks later for them to come up with another amount saying I owed more money. I borrowed from a hardmoney which is another struggle. For them to be wrong with their calculations. So after talking to them, had found out that the automatic PMI at *0 % is actually 53 % and hey could've used those funds. No im being harassed letters sent saying they tried to call when Ive called numerous times within the last 30 days. I have made numerous attempts and need legal advise and this company to be looked into for fraud to customers. I believe the loan was sold from XX/XX/XXXX or XXXX XXXX who make better decisions. When allowing anyone to assume a loan with intent on trying to take it after all my years of of building equity. I believe this company that there words are they are working as a debt collector and not a mortgage company helping the working family
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XXXX and XXXX are very deceiving. He promised to pay me which I never got paid. He then got his lawyer to email me to stop asking about where my money is. I have recorded conversations of him promising to pay me and never did. Please help me or let me know who to go to.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with Cash Advance Now back in XXXX for the amount of {$450.00} I was able to make 4 payments of {$61.00} every week on fridays. On XX/XX/XXXX i was eligible to take out a secondary loan. I was approved for {$700.00}. the payments for the secondary loan was {$84.00} every week on fridays. I had gone out of town due to a family emergency. I was out of work for a week. When i returned back my hours were cut. I had requested to revoke my ACH until i was able to get back on my feet. I had attempted to get back on track. But on XXXX my bank account was overdrawn due to an unexpected expense i needed to cover. on XX/XX/XXXX XXXX payments were taken out of {$61.00} and {$84.00} were drafted which caused my account to get overdrawn and i was charged overdraft fees. I kept getting calls from Cash Advance Now i have reached out to remove my number to add to the do not call list i was told that my number is placed on the do not call list but i kept getting calls. I reached out again explained my situation. Then placed my number on the do not call list. I did stop getting calls but then i got an email stating that the account resolutions hasnt heard from me. Around thanksgiving i had experienced a hardship. I sent an email saying that i am in a hardship and to please cease and desist communication until i get back on my feet. 

I did start picking up hours last week but i had to pay and take care of other obligations. I am on a fixed income and i am barely making it. I can not continue to pay two loans every week. I would like a settlement that is affordable and whatever i have paid before and to close the loan. I do not want to go through another overdraft in my account. This has been very rough for me during the holidays
Product: Debt collection

CMRE Financial continually leaves me voicemails from numerous phone numbers. The voicemail says " This is CMRE Financial contacting XXXX XXXX, if you are not XXXX XXXX .... ''. When I call them back to tell them " this number is not XXXX XXXX 's phone number, never has been and our divorce was final 2 years ago '', they respond with " we're not calling for XXXX XXXX, we're calling for you, XXXX XXXX ''. 

CMRE Phone Numbers I have had to block in my phone : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My account with Kohls was closed because my husband died. They told me to open a new account in my own name. I have always paid my account on time. Closure dinged my stellar credit rating. I have a Kohl 's MVC ( valuable customer rating ), entitling me to discounts, etc. They ca n't transfer this to a new account. The response to my complaint about closing my account and inability to transfer my status, was '' we 're very sorry, please call the company president. " So much for being a good customer. Kohls = Scrooge in my opinion!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 0. I have proof of Negligence as well as Non-compliance. 
Account name : XXXX XXXXXXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 has deleted this account, Transunion XXXX XXXX need to please follow suit.
Product: Debt collection

Midwest Recovery LLC has repeatedly called me and threatened legal action for an unknown debt that appears to date back 15 yrs ago. They leave multiple voicemails at my home daily, and they tell me that someone is coming to my job to serve me with legal papers. They have also called my job leaving messages for me with our accounting department. I called them back from work and asked for their address to send a cease and desist letter, but they would not give it to me, and the man yelled at me saying that he hopes I 'm embarrassed when I am served with legal papers at my work " tomorrow '' and then hung up on me. This company also keeps reporting this 15 yr old debt on my credit reports causing me to have to dispute and remove them.
Product: Credit reporting or other personal consumer reports

Synchrony Bank pulled a report from my XXXX credit report. They determined with that information to close my Lowes Credit Card. I explained to them it was not correct when they finally explained to me why my account was closed. They stated to few accounts paid as agreed, The length of the loan not enough paid for the timeline ( It was my mortgage ) I have paid the amount we are supposed to for over 4 years. On all my accounts I have paid as agreed and pay more the minimum every time I can. I always at least pay the minimum payments though. There are XXXX situations where I was not able to pay right away on XXXX of my accounts. XXXX of the accounts was 30 days late. The other account was 60 days. Only closed accounts were Lowes credit account and XXXX due to gear return issue but the balance is XXXX and stays on my report. I turned in everything they requested and was already out of the military at that time as well. They then told me I had to turn in gear that I supposed to still have but didnt it was turned in. I have called Synchrony Bank and XXXX to try and resolve the issue. They both tell me there is nothing they can do. I have XXXX and have served my country honorably and I feel they are closing accounts that should be still open. I got a letter when I disputed the account being closed. It arrived from Synchrony bank telling me their decision still stands. Even after I told them the information they used is incorrect I pay all my account as agreed and on time. The guy I also spoke with just kept asking me what do you want me to do over and over. He said transunion fixes the incorrect information. XXXX XXXX from XXXX told me they do not fix anything that they can only do credit report in the mail to me. XXXX from XXXX hung up the phone on me. XXXX was very rude as well she kept interrupting me not letting me fully explain what happened and why I was calling XXXX. Synchrony Bank told me I had to call them to dispute the information. I did dispute it and that is when the letter arrived. They closed my account out of the blue then told me to few accounts paid as agreed and not enough paid on the length of the loan which was our mortgage loan for our house. Them closing my account my credit score dropped over XXXX points and negatively affected my credit when I did nothing wrong. They refuse to help any further and I feel they are discriminating based on false information. Synchrony Bank told me they use that information to determine credit worthiness and to see if customers will pay their bills. I explained to him that I do pay on time and the amounts agreed. He stated how do I know that. When clearly that was a lie because they can see I paid mine on time and amounts agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union reported XXXX late payments to the credit bureaus which is not accurate and instead of reporting payments as current, they provided me XXXX letters confirming the dates of our deferred payment plans and assigned me, the consumer, the responsibility of making the dispute to the credit bureaus for their violation of reporting accurate account information. 

I used these letters end of XX/XX/2022 to dispute the late payments that were inaccurately being reported to the credit bureaus via XXXX XXXX and certified mail. I have evidence that shows that XXXX had brought the account to current and then immediately reposted the same inaccuracies XXXX week later, and adding another inaccurate reporting of an increase of the balance, bringing my XXXX XXXX down XXXX points. 

Being that a compromised credit report and low XXXX XXXX can also compromise living qualifications such as housing, transportation, and more, this deliberate neglect and malpractice is costing more than {$1000.00} per violation. I am building this record of malpractice to the government agency 's records of the misuse of my credit reports. 

In accordance with the Fair Credit Reporting Act, Navy Federal Credit Union and 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 an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have enclosed in the attachments, the previous dispute through Consumer Finance, as well as the screenshots through XXXX XXXX 's current XXXX credit report of the Navy Federal Credit Union account to support my claims, as well as the current balance through Navy Federal Credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt on my credit file that is not mine. Also, it is past the statute of limitation in New Mexico. This is affecting my financing and needs to be removed off of my credit file.
Product: Student loan

I sought student loan rehabilitation and ECMC stated that I could rehab for 5 % of income/month. I filled out their application and in the fine print in the contract ECMC states that the outstanding balance and collection costs would be capitalized and monthly payments would be based on the recalculated principle and interest balance at time of rehabilitation up to 16 %. I wrote back to the representative and stated that I was going to have a third party look at the contract and would get back to them. While I was seeking third party help ECMC went to court and obtained a garnishment for 15 % of my paycheck. 
I was ready to rehab my SL and started the process to do so. What can I do to reverse this decision and rehab with the XXXX? 
These student loans were borrowed for matriculation thru the XXXX from XXXX. The school has since closed. 
Thank You for your consideration, XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has not responded to my dispute