23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX using my corporation XXXX XXXX, XXXX. I purchased a property with funds from hard money lender company American Heritage Lending LLC based in California. The property needed restoring work and didn't qualify for a normal loan. I purchased it with my corporation. The lender requested {$46000.00} in funds for repair and placed them under their control. In our contract, these funds should be accessible on stages and during the property 's remodeling. After the loan was established, another company took control over the funds XXXX XXXX XXXX. Both companies involved in the process never ever gave me access to my fund and always were transfering my calls back and forth. During the last three month I asked for a pay off amount on the loan. Now I am on the title of the property and want to refinance on my name. I want to refinance with a regular loan. XXXX XXXX XXXX is sending me a pay of balance of {$230000.00} - $ XXXX $ XXXX {$180000.00} During the loan term I was paying interest of 11 % on the entire amount of {$230000.00}. I wasn't able to access my {$46000.00} and now I also can't. 
I need my rehab hold back in advance or the latest at the time of closing where I will repay the loan amount of {$230000.00} back. 
I can't access the American Heritage Lending LLC company. There always is someone who gives promises to let their superior to know and return my call, but it never happened.
Product: Debt collection

I NEVER SIGNED AN ACCOUNT WITH THIS CREDITOR THIS IS NOT THE ORIGINAL CREDITOR .I was never 30 days late. This is a duplicate account US Code 1692e FALSE AND MISLEADING REPRESENTATIONS US Code Notes/ debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation w

hich may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends t o take such action.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC .
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 itemsXXXX 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX The company wrote me and told me they were removing the file off my credit report but that was a lie!!!! It has been over 60 days. I am seeking compensation for lying and intentional damages caused by the company and XXXX XXXX XXXX. 

Interim response : NRA Group is in receipt of the consumers complaint. Additional time is requested to complete our investigation with our client., Sincerely ; XXXX XXXX XXXX Compliance Agent, NRA Group LLC Company 's Response NRA Group is in receipt of the consumers complaint. In acknowledgement of the complaint and to maintain satisfaction. The above referenced accounts were closed in our office and returned to the creditor on XX/XX/. Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firm. We have also requested that the account be deleted from any consumer reporting agency files to which we have submitted information. Consumer reporting agencies may take 30 to 90 days to update consumer reports and this is also beyond our control. Should you have any questions regarding this matter, please feel free to contact our office. Sincerely ; XXXX XXXX, Compliance Agent, NRA Group LLC
Product: Debt collection

I have received another demand lette r, ( {$6400.00} ) th is time from  ARA Inc, for  a debt that was settled ove r three d ecades ago and that is not valid. I periodically receive these letters, and have been unsuccessful in receiving resolution, thus the resurfacing of these demands. I have repeatedly sent written notices disputing the validity of the debt to the various collection agencies, again, to no avail.   XXXX  I have also filed a complaint with the Missouri Attorney General 's office and will be faxing a response to  XXXX   XXXX  a t ARA.
Product: Student loan

In 2009 my stepson, XXXX XXXX, was attending XXXX XXXX XXXX XXXX in XXXX Oregon. 
The school shut down before my son graduated. The owners of the school were siphoning money from the student loans into there Construction Business and ended up in criminal court. My son never finished the program is was left in debt to XXXX XXXX for {$28000.00}. with nothing to show for the investment. I would like to consolidate the private student loans at 8.5 % and 10 % with XXXX XXXX and get a more favorable interest rate ... .but no one will touch the loans because my son never graduated. Is there anyone in the banking industry that will consolidate private student loans ( XXXX )?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made attempts through chats, emails, and phone calls to make them fix their error, and we just keep going in circles. When I try to dispute any item on their website they have placed a block that stops me from disputing, they tell me to call their phone number. I call and I'm told they can't talk to me. This is nothing more than a scam against a consumer from getting the truth, and it's frustrating as XXXX. Many years ago, I filed for bankruptcy, and everything went according to plan, as the other three credit bureaus don't have the same errors. Experian continues to claim that my mortgage with XXXX XXXX was part of the bankruptcy, which it never was, I have tried to explain this to them through chats, emails, and phone calls. I have had this mortgage and have made payments since 2013, all the other credit bureaus reflect this. Here is what I want them to do : 1. Fix the XXXX XXXX Mortgage, it was never part of bankruptcy. Add the correct information of the mortgage to my credit report. 
2. XXXX XXXX was never part of bankruptcy, it was my auto loan and I paid the car off in full. They need to correct this to reflect that. 
3. Remove any block they have from me disputing credit items, this is a scam. My next action will be to seek legal damages, I'm sick of this game. 
4. Consumers need to be given more power, Experian is a perfect example of a company that has no regards for the consumer, it's time for the government to intervene and allow consumers the right to sue when corrupt companies like Experian continue to run unregulated. 

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

I have acquired my credit report and have noticed multiple fraudulent accounts that are reporting on my file from identity theft. After my discovery I have reached out to the credit bureaus XXXX, XXXX and transunion to dispute this matter and to check and make sure everything is complete and accurate and to notify them of the accounts that are reflecting on my file from identify theft and requested an immediate freeze on my accounts as well as to update my personal information on XXXX XXXX and XXXX XXXX. I also informed the credit bureaus that I have file an FTC complaint on XX/XX/2003 ( FTC Report number : XXXX ) regarding this matter and that the account be removed and block from reporting to my credit report according to 15 US Code 1681c- 2 - Block of information resulting in identity theft. 
BLOCK except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later that 4 business days after the date of receipt by such agency of -- -
Product: Checking or savings account

identify you and your account.

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate information part # 1 : Transunion has XXXX XXXX XXXX XXXX XXXX XXXX XXXX : reporting " late '' for month of XX/XX/XXXX but on time XX/XX/XXXX. 
While XXXX  is reporting the opposite : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : reporting on time for XX/XX/XXXX but " late '' XX/XX/XXXX. 

Reporting inaccurate information part # 2 : Both Transunion and XXXX are reporting a collection listed as XXXX XXXX XXXX : I sent a Debt Validation letter and have not heard back with my request for them to validate the debt nor have they responded at all and this was sent in XX/XX/XXXX, it is now XX/XX/XXXX. 

I want both Transunion and XXXX to either validate the debt and " late '' payment correction or delete them all together as neither of these inaccuracies have been corrected nor validated.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure in depositing my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws. I am requesting your assistance in investigating this matter to ensure my rights are upheld. Thank you for your time.
Product: Mortgage

I just filled this out but web site timed out just before I could hit submit. I do not think you received my complaint form so here it is again. 
I have a home mortgage serviced by Seterus on a property in XXXX XXXX. Since XXXX, 2015 they have been taking my extra principal reduction payments and applying them to the regular monthly payment. It is an adjustable loan. Anticipating increased interest rates by the Feds I am trying to reduce the principal. I have talked to XXXX different agents of Seterus monthly since XXXX and they have all said it is a " system '' problem. The " system '' does not recognized the additional principal even though I send it in as a separate check and note it is for principal reduction. Each agent is very apologetic and each has said numerous customers have complInd about the same thing! I have come to a conclusion this may be a corporate scheme to increase the company profits by allowing this to occur over 7 months with no system fix in place. Now, because the " system '' did not recognize my XXXX payment since they messed up my billing statement they have advised me the " system '' will likely automatically report the XXXX payment as non paid/delinquent on my credit report! They acknowledge they received the XXXX payment plus an addition XXXX but the " system '' did not recognize the payment! They promise they will submit to the credit bureau it is their error but they have been making promises to fix this monthly problem since XXXX with no remedy yet! I think the agents are sincere as they readily apologize, they admit many customers are complaining and they promise to make file notes " requesting '' the " system '' fix this. For these reasons I believe it is a corporate level fraud scheme. The Seterus agent I spoke to today I could mKe a XXXX XXXX payment by phone and he could submit it thereby the " system '' would update my account and it would not be considered delinquent. That is ridiculous. I can not imagine how the corrective action could not be in place over the course of 7 months with numerous customers complaining unless it is deliberate. The more people they have that have delayed principal reduction the more interest they collect.
Product: Credit reporting or other personal consumer reports

My credit has been ran multiple times from what I can see since XX/XX/XXXX - XX/XX/XXXX for credit cards/ hard and soft inquiries that I didnt authorize, anything with misspelling of name, wrong phone number or address, wrong place of current job to be removed, all so anything with my credit being ran from XXXX XXXX XX/XX/XXXX be removed
Product: Checking or savings account

I currently have a check that has cleared in my account and Chase has lifted the hold on said check, yet they're are persistent to further " verify '' this check. Only after being transferred between departments ten different times on six different calls all over half an hour, did I finally find someone from the fraud department who verified the check and created a case number for me to give a branch manager to allow an override so that I can collect my available funds. They have already made the decision to close my account and any time I call back to customer service, they say the restriction can only be overridden by a branch manager but every branch manager says that they have to lift the restriction on the phone and when the two communicate they both say that no one ever created a claim or case for this which i know " XXXX '' from fraud prevention made the case and gave me the reference number last Sunday. 

I am newly homeless, and have made it very clear to the bank that I can not continue to stay in my car in 100 weather, it is taking a toll on me, I have lost XXXX and have near heat exhaustion every day. This is my only hope to get back on my feet and I can not have them send the funds to my old address. Unfortunately I do not have an address so the branch manager and fraud prevention employee decided to allow me to pick it up as long as they lift the restriction or the other has to do it... It is a ridiculous vicious cycle and Chase is aware of the flaw and they DO NOT have the right to hold my funds indefinitely. 

Please help me out. 
I'm begging you to help me before they send it to my old apartment and it is lost forever.
Product: Student loan

I have consolidated my federal loans under a private lender, XXXX XXXX ( Navient ). My account shows XXXX consolidated federal loans but payment can not be differentiated between the XXXX. XXXX consolidated loan, which is subsidized, is a lot higher than the other consolidated loan, which is unsubsidized. I 'd like to direct more $ toward the higher amount but Navient says that they are unable to process payments this way. I would like to be able to instruct the lender in how to appropriate my payment, but they are not complying. Navient claims this is a limitation set by federal regulations and it is out of their control.
Product: Debt collection

In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA XX/XX/XXXX )
Product: Mortgage

im write for someone to help me with my mortgage i been fight with my mortgage company for over1 yaer .im doing a loan modification i send all my document i will call to check on my documents they will say call back in 2 to 3 day they to be scan in I call to speak to my relationship manage the number allways busy .call to speak to someone in customer service they tell me to send the same documents i just send.NOW WE ARE WITH A DIFFERENT MORTGAGE PLEASE HELP ME!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XXXX, and again on XX/XX/XXXX. XXXX told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.
Product: Credit card

I had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX at one time two collection agency XXXX and Cach LLC was trying to collect from me for the same credit card, after contacting court and you ( CFPB ) one of the attorney from XXXX contacted me and I am actively paying them, Cach LLC continue to send letters with the same account # and different amounts, every time they call me I tell them I am already working with XXXX. at this point I feel they are harassing me, they are also on my credit report, I would like to have them ( Cach LLC ) off my credit report and stop all the unnecessary collection letters
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Card Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Debt collection

XXXX XXXX XXXX calling about a debt i do not owe and better stop calling or i will sue them!
Product: Credit reporting or other personal consumer reports

I mailed a letter of verification to Midland on XX/XX/2024 received no response back. I am demanding that this account be removed from my credit.
Product: Money transfer, virtual currency, or money service

I noticed a XXXX transaction of {$1500.00} and a XXXX XXXX transaction of {$97.00} XX/XX/2022 at about XXXX. I then called Chase Bank on the morning of XX/XX/2022. I advised them that neither transactions were mine and was refunded back XXXX XX/XX/2022. I was then refunded {$1500.00} XX/XX/2022, was no correspondence or anything. However, because I was told that I would only be receiving provisional credit if the claim department took longer than 10 days, I assumed they were done investigating. Only for them to reverse the provisional credit XX/XX/2022. I immediately called Chase Bank to find out what happened, and was advised that my claim was denied because of the device used for the transaction. I advised the representative that I did call back as advised by my attorney to let them know that my device had been stolen. She apologized sincerely and said they will investigate further. I advised her that I can provide documentation as well and for them to call me if they need anything. I call 15 days later to find out my claim was denied again for the same reason and learn that the previous representative was supposed to give me a fax number for me to send my documents in regards to my phone being stolen. Please keep in mind that the XXXX XXXX claim of {$97.00} which was most likely made using the same device was approved.
Product: Credit reporting or other personal consumer reports

I was taken by surprise to learn that I was a victim of the ( XXXX XXXX XXXX XXXX ) and was encouraged to obtain my annual credit report from all three XXXX Credit Bureaus and identity any inaccuracies or fraudulent information that's keeping my XXXX XXXX from progressing in the right direction to Open a Mortgage, upon review I was taken by surprise learn of I am a victim of fraud ... Credit Card Accounts and Numerous Unauthorized Hard Inquiries. Credit Card Accounts are listed below... 

XXXX : Experian XXXX XXXX Account # : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$500.00} {$500.00} {$500.00} XXXX XXXX  : XXXX. Experian Account # : XXXX XXXX Date Opened : XX/XX/XXXX. XX/XX/XXXX Balance : {$510.00}. {$510.00} These are not my accounts! I filled disputes with each of the XXXX Credit Bureaus and also I contacted the Original Creditors and requested Debt Validation Letters and a Copy of the Original Application/Contract specifically bearing my Signature Consenting to obtain Credit and Permission to Furnish information on my Consumer Report I have not been provided requested information...
Product: Credit reporting or other personal consumer reports

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