23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX we were having financial difficulties and having trouble making our mortgage payments. We tried to get a loan modification with XXXX. We were told we would not be considered for a loan modification unless our loan was in default and we were current. As soon as we missed our 3rd payment our loan servicing was transferred from XXXX to Everhome Mortgage. We then tried to get a loan modification with Everhome, and were told over and over again to resubmit documents and paperwork. In the meantime, we were issued a summons for foreclosure. Everhome stated in the summons that they had filed an affidavit and did not have to provide us with any type of mediation. XX/XX/XXXX our loan servicing was transferred to XXXX. We were given a new loan number and a new address to send payments. We then filed for a modification with XXXX. But Everhome continued with the foreclosure process. I filed a complaint against Everhome with the cfpb in XXXX of XXXX. At this time, Everhome assured me that XXXX had been handling my foreclosure the entire time. They also stated that they were in the process of substituting XXXX as the plaintiff on my lawsuit. But a judge ruled in favor of Everhome on XXXX XXXX XXXX. The judge said that our foreclosure could not be dismissed because Everhome had filed for the affidavit and was exempt form the requirements of ORS XXXX. He said that the did n't have to provide us with any mediation. I do not understand how a judge could rule in favor of Everhome in XX/XX/XXXX, when in XX/XX/XXXX, they stopped servicing our loan. And in XX/XX/XXXX, Everhome stated in their response to my complaint, they were not handling my foreclosure, and were taking their name off of my lawsuit. XXXX, the current servicer, is not in compliance with ORS 86.726. XXXX is not compliant with ORS 86.726. It has been confirmed by the courts that even now, as of XX/XX/XXXX, Everhome is the plaintiff on my lawsuit and has been the entire time. Even when I had a modification pending with XXXX. They should not just be able to swap places on my lawsuit. XXXX should have to comply with ORS 86.726 before bringing forth their own lawsuit. It is now clear to me that Everhome was not being honest back in XX/XX/XXXX when they stated they were removing themselves from my foreclosure, and that is has been XXXX the entire time. It is clearly still Everhome that is handling my foreclosure.
Product: Bank account or service

I had a savings, checking and Business account with US Bank. I went to the gas station filled my tank with gas knowing I had money in the bank at the time. I only put {$30.00} into the tank. My account became over drawn. I was very ill for a few weeks dropped out of commission for a few weeks. Looked into my account after I was released from the hospital. They had put so many fees on my account I could not pay the money to get the account back in good standing. I tried reasoning with US Bank. They would not reduce the fees at all. When I called that measly {$30.00} dollars turned into {$340.00} in fees. They never paid any returned checks and I never bounced checks. They try to extort {$340.00} for a {$30.00} error. They have reported me to XXXX saying account abuse the info is inaccurate. They are the ones doing the abusing. This should be against the law. Check consumer complaints website you will find thousands of stories just like mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX & XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the XXXX that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove the erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX  and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

*My true correct prevalent full uncontested first and last name is XXXX XXXX XXXX , my street # and street address are XXXX XXXX XXXX XXXX XXXX XXXX, my city is XXXX XXXX my state is NC, my postal zip code is XXXX, my existent legally state-rendered social security number or Last XXXX i s XXXX, and my date of birth is XX/XX/. These are my unchallenged reportable personal identifiers. This facts is and expressly is and only is precisely as listed above in this note. I request removal of each and any other potentially reporting derogatory-linked personal identifier data and each and any such potentially reporting that is one or any of being not necessarily-made known, outdated, untrue, inaccurate, incomplete, unproven, unconfirmed certifiably compliant in reporting or elsewise deficit of documented validation. I do not want you nor any being to report ANY claim versus me potentially questionable and or not timely demonstrated descriptively correct and in agreement with requisite ( s ) described upon my here now contesting the claim 's report-ability, and my accost to you to substantiate the reporting practice ( s ) related to the accusations debatable. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I usually pay my bills and dont really read through them. I admit it took months for me to notice the charges. My husband passed and I was just paying bills and didnt take the time to read through anything. A company called XXXX XXXX  got into what I think was my XXXX ( which is no longer used ) but it was linked to all my accounts causing a total nightmare. 
One of them being my Apple Card. 
I originally disputed the charges ( over XXXX $ ) and they were charged back almost three months later. I asked why they didnt ask for other info or anything. They just say they dont have to. The charges were redisputed and are still pending. 
I have sent the screen shots from my bank exc. where there was also fraud but they have completely frozen my card. Added all the charges back, are charging interest on them and still having me pay every month even though I am unable to Use my card. I have inquired as to what else they need multiple times and was told they have everything. They also keep reporting to credit agencies that I am over my limit. Im not over it even with the extra charges on there. Ive spent hours trying to resolve this with them and do not seem to be able to get any resolution. I know this violates the credit act. I keep paying bc I dont want them to damage my credit further. 
I dont know what else to do.
Product: Credit card

In response to Capital Ones ' solicitation letter for home refinancing, I called them up and asked loan programs they have. I expressed my interest in one of the programs and asked them to send the application. They asked my credit card number to proceed. I hesitated to give, but agent said " no charge '', " no charge '' " no charge ' number of times. Since I did n't sign the application yet, I assumed it will be O.K. with such a big company, so I gave them my card number. Next day I receive application forms. But before I sign I received a better offer from another company, so I cancelled the application to Capital Ones the next day. 
However, when I received my credit card statement later on, I found they charged {$450.00} commitment fee which I can not accept. At no point the agent made me understand that just giving the credit card number is an acceptance of the offer and I am subject to any commitment fee. Who would accept that kind of offer in the world unless the person is a stupid or crazy. I think this is a typical example of credit card abuse or cheating to an innocent customer. I think U.S. is lawful country and I sincerely hope you would help me to resolve this kind of nonsense.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX XXXX I purchased a XXXX  XXXXXXXX XXXX from XXXX XXXX in Maryland via finance through PNC BANK. At that Time I was charged a finance charge and a cash down payment. According to 15 USC 1605 The finance charge is the SUM of all charges. During this transaction I provided a trade in and a cash down payment. I also paid for my own Gap insurance and regular insurance. I have sent several documents to PNC in order to settle this matter with no resolve. Also, at the time of purchase I was not made aware that I have an option of Rescission 15 USC 1635 which is suppose to be disclosed clearly. This was never disclosed to me in fact, the contract clearly states " NO COOLING OFF PERIOD '' which is also a violation.
Product: Credit card

I am writing to formally lodge a complaint against Capital One concerning recent actions taken on my credit account, which I believe may constitute a violation of the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691. The XXXX ensures that all consumers are given an equal chance to obtain credit, without discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, or because all or part of an individual 's income derives from any public assistance program. 

I was recently a victim of identity theft, a situation which was resolved appropriately and in a timely manner. Following this, I applied for a Capital One credit card and was pleased to be approved, given my diligent efforts to maintain a credit score in the XXXX, which typically reflects responsible credit management. 

However, my satisfaction was short-lived as my account was soon restricted and I was requested to provide additional information for verification purposes. I complied promptly with this request. Subsequently, my account was restricted once again, and I was informed that further documentation was needed. I honored this request promptly and diligently, providing all necessary documentation as required. 

Despite my compliance and the provision of all requested information, it has now been over 10 days without any response from Capital One. Currently, my account remains deactivated, rendering me unable to activate and utilize my credit card. This situation is not only inconvenient but also concerning, as it appears to be an unjustified and potentially discriminatory impediment to my access to credit. 

I believe this treatment may violate the provisions of the Equal Credit Opportunity Act, as it seems to unjustly deny me the opportunity to extend my credit. This is particularly perplexing given my strong credit standing, which should theoretically facilitate smooth financial transactions and services. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter to ensure that my rights, as well as the rights of others who may find themselves in similar situations, are protected. I am willing to provide any additional information or documentation that may be required as part of this investigation.
Product: Debt collection

This collection agency reported XXXX seperate negative accounts, to my XXXX credit report. I have no knowledge or records of such debt. I sent the collection agency a certified letter, requesting validation of the alleged debt, on XXXX/XXXX/2016, to the address reported as Agency Address on my credit report. The letter was returned back to me, as an undeliverable address. I 've also tried contacting by the phone number also included on my credit report, but the line just rings nonstop, never being answered. I contacted the original creditor, XXXX Hospital XXXX, on XXXX/XXXX/2016, trying to figure out any information for these accounts. I spoke with XXXX in the billing department, and she informed me that I have no such accounts or balance amounts, being reported by the collection agency, in their records. She also informed me that National Service Bureau XXXX has never been used for their collection services in general.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX  XXXX, and XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, and XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I have requested about 5 times since XXXX to have the XXXX XXXX XXXX loans removed from my credit report. I had not had provided any written notice that I would agree to have any of my financial information shared with a 3rd party. I was not provided any opt out choices. This violates 15 USC 6802 ( B ) ( 1 ) ( A ) AND ( B ) and ( C ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXXXXXX 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 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: Checking or savings account

In late XX/XX/year>, I tried to make a purchase using my bank card and it was declined. I called the bank and they said the account had been put on hold. There was only around {$600.00} in the account. I live in XXXX XXXX XXXXXXXX and under New York law, I understand you can not freeze an account that has less than {$3800.00} in it. They gave me a number to call a court in New Jersey that issued the account freeze order. I called them and the court gave me the number for the creditor 's attorney. I called them and they said if I wanted to lift the hold I would have to make a payment plan, even after I told them I had never received any court papers and knew nothing about the judgment. I went to the bank in person, but the branch manager was out and no one there could help me. I consulted with a legal services attorney and we called the bank together and asked the bank to release the account. They said they would not release the account unless the creditor 's attorney or the court ordered them to do so. They said they had sent me a letter about the restraint, but I never received a letter from the bank. I asked the bank to send me the letter and the restraint and my account statement to show the amount in the account when it was frozen. The bank ( Chase ) said they would, but they never did, even though we called back and each time were told they were working on my complaint and would send me the documents the same day we called. After weeks, the legal services attorney contacted the attorney in XXXX  and explained the situation. He agreed to release the account and told the bank to lift the restraint. Apparently the creditor 's attorney had served a bank branch in New Jersey and the bank had honored the restraint by freezing my account in XXXX XXXX even though I am a New York XXXX XXXX, the money was earned in XXXX XXXX, and as far as I know, the creditor had never complied with XXXX XXXX XXXXXXXX XXXX for collecting an out of state default judgment in XXXX XXXX  The dates I called the bank were XX/XX/XXXX, XXXX and XXXX. They still have not sent me the documents I requested. When I called the bank, I spoke to the XXXX and XXXX Department. They had no ability to help me and said the only thing they could do was convey what I told them to the Processing Unit. Then they would say the processing unit would resolve the issue in a few business days, but they still haven't. Last time I spoke to them the bank said they were still " working on the complaint '' I am upset that it was impossible to reach anyone who could actually help me, and when I asked the to someone else at the Executive Office or a supervisor, they said they had no numbers to give me. They told me to go to the branch and the branch could contact the processing department for me, but when I went to the branch, the branch manager was on vacation and no one else could help me. It does not seem like I should have to wait months to get information from my own bank about my own account, but that is what happened.
Product: Credit reporting or other personal consumer reports

In XXXX I discovered that there were charges on my report that did not belong to me. They are listed as follows : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$0.00} I have notified the reporting agencies of the incident. I have filed a report with XXXX, and have filed a police report. 

I have also requested to have the information blocked, to no avail. The next step is litigation.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error.
Product: Student loan

I have been trying to make payments towards loan forgiveness for XXXX full years however my monthly payment has been set up far too high repeatedly! I used to pay {$99.00} monthly. After getting married and getting a full time position, I was XXXX prior, my XXXX now has tried to charge me between $ 667 monthly and now $ 557 monthly or {$380.00}. None of these amounts make any sense and they cant seem to get something figured out no matter how many times I call or resend via mail or fax our financial records. We have a family of XXXX, XXXX children and are both XXXX in about XXXX dollars of student loan debt between XXXX school and XXXX school degrees. My husbands bill was XXXX and mine was far higher. Why when we both have the same amount of debt?! Please help!
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX in XXXX Ga in XX/XX/XXXX. The finance company that I made payments to was XXXX XXXX XXXX for a while then the car was sold to XXXX XXXX, then to XXXX XXXX. I'm not sure if XXXX XXXX and Michael Andrews and Associates are the same but the car was repossessed in XX/XX/XXXX by Michael Andrews and Associates. I spoke with the manager named XXXX  about payment arrangements and he agreed to let me keep the car if I made a payment the same week I spoke with him. However, I made the payment that week and the car was repossessed the same week. Now im receiving calls from Michael Andrews and Associates about suing me for the remaining balance after selling the car, which is {$5000.00}. I don't agree with their decision and I'm seeking justice because I don't think it's fair how they handle business.