23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was XXXX in XX/XX/XXXX. I resolved all debts with the hospital. XX/XX/XXXX, 2 years after the incident I received duplicate bills that I had already paid more than a year ago. Upon numerous calls to the hospital XXXX XXXX system. I was told that they have installed a new payment system and it is sending erroneous bills and that I should just disregard them and any automated phone calls I have received. Then I received no other bills and received the debt collection notice in the mail. I have paid THOUSANDS of dollars to this hospital over this incident, and I am receiving debt collection on this {$58.00}?
Product: Mortgage

We were denied a loan modification from Bank of America after a game of deceit on their part. They were given all the information that was requested yet they kept saying you did n't send in page XXXX or you forgot to send your income statement. All items that had been sent over and over again. Then they said you were denied because you did n't get the paper work in to us on time so you do n't qualify. Their is so much to this case as it has gone on for years now but they just scam the people not just us. They have broken the law on several levels and should be held accountable.
Product: Debt collection

IT started with XXXX XXXX i called them up XX/XX/XXXX for shipping boxes and called three straight weeks with my address did not get, i do owe XXXX XXXX and did my best to pay bill but got nothing back from them until i got a call from XXXX XXXX mange about bill.XX/XX/XXXX they said they had all my information but did not have my address. They put collection on my credit before they called or got any thing in the mail, i have lived at this address for three years, the address they had was rental for a family member which the cable was in my name.so i called them a day later to make a deal if they would write a letter to clear negative remarks on my credit and i would pay bill they said they won t do that. so they refused my money to pay off bill they wanted money first then send letter saying it was pay, they wanted my new existing address i will not give to them once again i will pay this. But the thing is they messed my good credit up and did not let me know until after they put in for collection. Did not give me a chance to pay off bill i worked for years to get my score up and they screwed  it up by not contacting me they had my cell but got no voice mail.
Product: Vehicle loan or lease

I was previously financed through US Auto Sales, a buy here pay here lot that went out of business and shut it doors with out any explanation to the customers. Upon calling Westlake Portfolio Management institution several times via phone and email, requesting information about the new contract in writing and also I stated that the amount owed on my vehicle is also in correct I never received the requested information only a Power of Attorney agreement that they can speak upon behalf off US Auto Sales. I was notified by WPM representatives that US Auto Sales filed bankruptcy and if I wanted additional information I would have to hire an attorney to obtain additional information. I was also advised that the contract I had with US Auto sales is no longer in existence and all services that were offered by US Auto Sales will not be offered by WPM ; such as car insurance, gap insurance, repairs to vehicle included in the original contract.
Product: Mortgage

To whom it may concern, I recently reached out to my mortgage company ( Carrington Mortgage Services ) on how to go about cancelling my PMI insurance on the grounds that the LTV of my house far surpasses the minimum requirement of 78 %. As of today, I owe {$220000.00} on my house have an estimated home value ( as per the Carrington website ) of {$400000.00}.

I emailed the escrow department of Carrington to get the PMI removed for the above mentioned reason and even said if there was an additional principal payment I can make to remove the PMI now I would be willing. I received a letter back from them citing they could not remove the PMI due to the property being declared a disaster area by FEMA within the last 24 months.

This is the reason I'm reaching out for help to understand my rights and make sure this mortgage company is following the law. 

Any help you can provide would be greatly appreciated. 

Regards, XXXX XXXX
Product: Bank account or service

SunTrust has repeatedly opened new checking accounts with slight variations on my name. They have no activity, but they create huge hassles for me when I try to use Online Banking. They are created without my consent and I would like the practice to stop immediately.
Product: Debt collection

Purchased a phone at XXXX XXXX through XXXX to use. It did not work properly so I returned the phone within the allowed amount of time and was told no bill was owed.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX  XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX XXXX {$860.00} XXXX  XXXX - {$800.00} XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX - {$500.00} XXXX XXXX XXXX XXXX {$8700.00} XXXX  XXXX - {$10000.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Debt collection

This is not my bill. At the time of service I had XXXX types of medical insurance that would have covered this bill.
Product: Vehicle loan or lease

I purchased a vehicle from a place in New Jersey call XXXX XXXX They said that credit acceptance is my lender for my vehicle. The first thing they did was lie about the mileage on the vehicle. Than the car has been in the shop multiple times. I asked why isnt the interest rate going down they stated they dont do that. The loan was around XXXX. I put XXXX down and my loan was supposed to be XXXX for XXXX months. The finance charge was XXXX. So the total on the contract is XXXX. I also had the a warranty on it. Which didnt cover all that need to be fixed on the vehicle. I couldnt afford the vehicle because it was still problems with it.
Product: Credit card

I am a customer of American Express and have a XXXX XXXX. They have a Plan It feature where they allow you to break down a charge over a certain period of your choosing XXXX or XXXX or 12 months. They have a calculator on their website that shows these options and how much the fee without interest would be. I have been using it for several months as the fee isn't large over the XXXX or XXXX term. Due to this I purposely put a charge on this particular credit card so that I could once again use this feature. Except this time the only options are XXXX, XXXX, or XX/XX/XXXXmonths and the fee is very significant. Instead of under {$10.00} for 3 months it would be {$47.00} for 12 months!!! {$71.00} for 18 months and {$94.00} for 24 months!!!! 

I engaged with a chat with them to determine why there was a change and if it was communicated to me. They of course provided vague information about how the terms could change at any time. Which I understand BUT they have a calculator on their website in this section which leads you to believe that XXXX or 6 months is an option. As I am writing this, I am going back to verify this is still correct and it now shows XXXX, XXXX, and XXXX options. They changed this between when I used the calculator and made the charge and today. Without any notification!! This is not the proper way to do business. They should be required to inform you of changes such as these in conspicuous places on the customer portal website and not buried. And a timely warning should be in place also especially with these changes that will impact the consumer AFTER the purchase!!! I would have used another company 's credit card had I been forewarned!! But now as an educated consumer and I see how they value their customers I will close this account and use a different company going forward. The two customer service people I spoke with just regurgitated standard comments that were not explanations or answers to my questions.
Product: Debt collection

XXXX XXXX XXXX is reporting a debt of {$130.00} owed. The original creditor of this bill should be XXXX XXXX. It would be a wireless phone bill. However I don't understand how it has gotten on my personal account, it was a business phone. The account was set up with a credit card. The account was paid on time every month, by automatic withdrawal with a credit card on file. Any arrears should not have happened, because the phone was transferred the day after the bill was due, so XXXX XXXX should have been paid. 
I travel a lot for several months at a time, so I don't always get a chance to correspond with letters sent, especially if I am out of state, which I usually am. I have never missed a payment and paid on time every month. 
I tried calling XXXX XXXX XXXX and XXXX XXXX last year to try and resolve this problem. XXXX XXXX Customer Service Reps, took me in circles and had me on long hold times only to tell me I had to call XXXX XXXX XXXX. XXXX XXXX XXXX, if I remember correctly ( no one came to the phone was always on hold for a very long time ).
Product: Mortgage

On or about XX/XX/XXXX I had my credit report file from all tree bureaus ( XXXX, XXXX, and XXXX ) printed. To my surprise, I see that my mortgage bank ( Loancare Servicing Center ) had me being late 2 payments ( XX/XX/XXXX& XX/XX/XXXX ). 
First, I disputed this erroneous information with the credit buraus with no success. 
Second, I disputed it with the bank ( Loancare ), who not only told me I was 2 months late, but that I am 1 month behind. After verifying with my banks ( XXXX XXXX electronic payments report and my bank statements, both, support my dispute, that I have never missed a single payment. Ive sent them all the information theyve asked for, but I have not success. 

Loancare has failed to update my mortgage payment information ( DATA ) on all 3 Credit Bureaus. It did not update data for XX/XX/XXXX. It did not update data for XX/XX/XXXX& XX/XX/XXXX. And, it did not update data from XX/XX/XXXXto XX/XX/XXXX ( 8 months ). All 3 credit report files have discrepancies. 
Till this day : 16 payments of {$1600.00} ( {$26000.00} ) were made from XX/XX/XXXX to XX/XX/XXXX21 payments of {$1500.00} ( {$32000.00} ) ( including this month ( XX/XX/XXXX ) have been made from XX/XX/XXXX to XX/XX/XXXX. 
A payment of {$500.00} sent to on XXXX XX/XX/XXXX to be added to the principal. 
They owe me {$2000.00}. 

I have attached the following documents that support my dispute & my complaint. 
1. Mortgage Payments XXXX XXXX Report with Transaction Numbers. 
2. XXXX credit report file with notes & discrepancies.

3. XXXX credit report file with notes & discrepancies.

4. XXXX credit report file with notes & discrepancies.

5. My XXXX XXXX Statements ( XX/XX/XXXX - XX/XX/XXXX ). 

Ive been fighting them for more than a month now and all I have got is frustrations and tears. I dont know what to do anymore!
Product: Mortgage

I have been receiving notices of failure to pay property taxes from XXXX County Tax Collector since XXXX of XXXX I called Amerihome to resolve the matter as soon as I received the first notice. I was assured the taxes had been paid and that Tax collectors do this all the time phishing for money. Well, the notices kept on coming. I call and Amerihome says the taxes have been paid. I get a final setoff debt final warning and that they will advertise in the paper that I haven't paid my property tax. I call a sixth time to resolve the matter and ask that proof of payment be mailed to me. The agent said that an investigation will be done and proof will be mailed to me in 7 to 10 days. A month goes by and still nothing. I called again, speak to a supervisor named XXXX. I request she over nite proof of payment and that she call me back to resolve this. She said she would indeed do that as well as send proof of payment to XXXX  County. None of this has happened. I call again and explain my situation and get hung up on. During all these calls I was always polite. After the call I call the county tax collector and initiate a three way call with tax collector on the line. We learn that payment was submitted twice via wire to a third party who was supposed to cut a check then mail to county but he sees that some how the checks never made it to the county, could we please hold briefly while he investigates. The AmeirHome agent never returned to the call. We held on the line for 45 min. Still XXXX  County has yet to receive payment and my details have been published in the paper as not paying property taxes. I have been receiving texts from unknown people asking if I own the property and if I wan to sell. Not sure what else I can do but file complaints with as many agencies as I can. And that's exactly what I'll do. One of my Neighbors is a State Senator. Perhaps I'll knock on his door.
Product: Credit reporting or other personal consumer reports

I'm writing to formally dispute the veracity of a few facts in the credit report your office recently provided. I have carefully examined this report, and I've found a number of mistakes and inaccuracies that could harm my credit reputation. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 608 and 611, which give me the right to ask for a thorough investigation to confirm the accuracy of the data in my credit report. The FCRA requires a thorough investigation into the disputed items, so I formally request that it be done by your office.

I respectfully request a written acknowledgement of this dispute letter and regular updates on the progress of the ongoing investigation, to be given within the legally required thirty-day window, in accordance with FCRA guidelines . In accordance with section 611 of the FCRA, I also anticipate getting a free copy of the updated credit report that clearly outlines any changes made.

I fervently hope that this matter will be handled with the utmost seriousness and that the investigation will be carried out in an objective and thorough manner, strictly adhering to the rules established by the Federal Trade Commission ( FTC ) for protecting consumer rights.

I want to thank you for taking the time to look into this urgent matter, and I have faith that the disputed items will be quickly resolved in a way that preserves the accuracy and integrity of my credit report.
Product: Checking or savings account

I have returned the goods back to XXXX and still have not received my refund. I contacted the merchant directly regarding my ACH payment. Even though I haven't used XXXX  they charged me and sent me a hardware for computer program. I returned and demanding my refund for my total ACH payments amount of {$22000.00} please see the tracking number XXXX WellsFargo is demanding I have to resolve it with the merchant. Merchant is not responsive and I need my fund. It is now WellsFargo 's duty to protect the customer 's fund. I have returned the item and tracking number shows delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections, XXXXXXXX XXXX XXXX  account XXXX ( XXXXXXXX XXXX  ) XX/XX/XXXX for the amount in {$1200.00} ; PHOENIX FINANCIAL SERVICES LLC account XXXX ( App XXXX ) XX/XX/XXXX for the amount in {$1200.00} ; XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX for the amount in {$1000.00} ; XXXX XXXX XXXX account - XXXX ( XXXX XXXX XXXX  XX/XX/XXXX for the amount of {$370.00}
Product: Credit card or prepaid card

On XX/XX/2019 I made my last payment which brought my account balance to {$0.00}. On XX/XX/2019 I requested to have my account closed. On XX/XX/2019 I got a response on a formal letter stating that the account was pay in full and is now closed. However I went into my online account to make sure it was closed but now I see that the account was never closed and I have a balance of {$29.00}. I reach out to customer service and was informed that the letter they sent was incorrect and I have to pay this amount. I do not understand how can I closed an account and have a letter stating so they do no want to honor that.
Product: Credit card or prepaid card

Kohls is using XXXX and discriminatory practices against me, and trying to hold me liable for unauthorized and fraudulent charges on my Kohls credit card account. The current charges of {$1400.00} listed on my account are all fraudulent charges. I didnt make the charges. They are fraudulent. I called Kohls and spoke with a Kohls representative and informed the representative that the current balance of {$1400.00} is fraudulent. The representative informed me that I was lying and made the charges, and the representative called used a XXXX  slur against me and called me a lying XXXX and hung up the call on me. This was totally wrong and unlawful business practices.
Product: Debt collection

The borrower, XXXX XXXX has been requesting a payoff or lien release from the attorney, XXXX XXXX and XXXX and Citi Bank since early XXXX. Citi ( Sears ) recealled the debt so XXXX has no authority and Citi ( Sears ) refuses to issue a payoff or lien release.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of this year I filed my first around of disputes with Equifax and XXXX. The only one I got a response from was XXXX. In XXXX I filed a second around of dispute because the bureaus are not taking things off my credit that need to be that are seven years or older off my credit report. Now here I am three months later filing a complaints against them all because they arent doing their jobs. Please help with the matter and making them reply to my disputes that I filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX  Balance {$460.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1600.00} ; Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX  XXXX : Bankruptcy Date Filed XXXX. 
XXXX, XXXX Reference Number XXXX ; XXXX XXXX Bankruptcy : Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I originally disputed the inaccurate and unverifiable accounts on my credit report on XX/XX/2024. The items were verified as accurate with no proof as I had requested the documentation proving the alleged account had belonged to me. The company failed to provide them. I am currently in the process of applying for a mortgage and these unfavorable inaccurate are hindering me from an approval. In addition I have disputed directly with the creditors who are reporting this inaccurate information on my credit reports and they have not responded to my disputes either.
Product: Mortgage

XXXX : Navy Federal Credit Union, based in XXXX, Virginia, is seemingly subjecting Department of Veterans Affairs Home Loan borrowers to the following egregious behaviors and practices : Truth in Lending Act Violations : Unethical behavior with regard to customer engagement by Navy Federal Credit Union Personnel ( False and Misleading Statements ) Bait and Switch Activities : Navy Federal Credit Union offered general terms and information before applying for the loan, but has continuously changed loan amounts, qualification criteria, timelines, etc.

o Complete and continuous inaccuracy in the delivery of their lending practices.

Predatory Lending Activities : accepting and processing a refinance  application from XXXX XXXX ( borrower ) and charging Appraisal Fee for a refinance that Navy Federal Credit Union could not complete due to internal limits on loan terms e.g. 15 yr. vs.30 yr. term.

Seemingly lack of effective internal processes and controls regarding loan application reviews, approvals and/or denials.

Lack of timely communication or response. 


Parties : Navy Federal Credit Union Mortgage Sales and Refinancing Departments. 

o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX. 

Borrower and Co-Borrower. 



Timeline : XX/XX/2020 - Loan submitted XXXX {$2.00} XXXX request ). Assigned loan officer : XXXX XXXX. 

XX/XX/2020 - Informed by XXXX XXXX that misinformation was given, maximum loan tops out at {$2.00} XXXX, XXXX sends escalation response email ( Attachment 1 ). 

XXXX - Informed mortgage loan possible if Florida property is  refinanced to a conventional loan and VA entitlement is free. 

XXXX - Reassigned to XXXX XXXX XXXX 

XX/XX/2020 - Pre-approval letter received. Loan amount {>= $1,000,000} ( Attachment 2 ). 

XX/XX/2020 - Requested edited pre-approval letter ( remove down payment amount ). Amended pre-approval received XX/XX/2020. Loan amount changed : {>= $1,000,000} ( Attachment 3 ). 
XX/XX/2020 - Acknowledgement of accepted ( {>= $1,000,000} XXXX offer by XXXX XXXX ( Attachment 4 ). 

XX/XX/2020 ( uploaded ) - Loan commitment : {>= $1,000,000} ( Attachment 5 ). 

XX/XX/2020 ( uploaded ) - Loan commitment : {>= $1,000,000} ( Attachment 6 ). 

XX/XX/2020 - Informed Navy Federal does not allow 30-year mortgage refinance on investment properties. Case escalated to management ( Attachment 7 ). 

XX/XX/2020 - Reassigned new loan officer : XXXX XXXX XXXX ( Attachment 8 ). 

XX/XX/2020 ( uploaded ) - Loan commitment : {>= $1,000,000} ( Attachment 9 ). 

XX/XX/2020 - Email from XXXX XXXX XXXX : Available entitlement and the maximum loan amount : {>= $1,000,000} ( Attachment 10 ). 

XX/XX/2020 - Email from XXXX XXXX XXXX : Available entitlement and the maximum loan amount : {>= $1,000,000} ( Attachment 11 ).
Product: Debt collection

I have no knowledge and recollection of this account and never have dealt with this company
Product: Mortgage

From XX/XX/2020 to XX/XX/2020 I have been receiving solicitation letters from a company called Clearpath. This company targets veterans to take out refinance loans at a lower rate. I contacted the company by phone and email and informed them that I was/am not interested in their product and did no/do not want to do business with them. I called and was told by a person at their call center that my name and information would removed from their database and that my personal information would not be sold or rented to any of their subsidiaries or any private companies or organizations. I made that call after receiving countless solicitation letters and calls from Clearpath prior to XXXX XXXX/2020. On or about the XXXX of XXXX 2020. After I emailed a complaint to Clearpath 's corporate complaint email address I received an response stating that the solicitation letters would stop. Well, I just received two more solicitation letters, one on XX/XX/2020 and one on XXXX/XXXX/2020, and in total from XX/XX/2020 until XX/XX/2020 I have received 11 solicitation letters. I WANT THESE BULLY TACTICS TO STOP!!!!! Can you help me. 

Thank you XXXX XXXX.