23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We took a mortgage loan for property XXXX XXXX XXXX  XXXX NJ XXXX on XX/XX/XXXX, and paid upfront Mortgage Insurance for {$6900.00} to avoid Monthly PMI payments since we put a down payment of 5 %. The loan was closed by XXXX XXXX XXXX XXXX XXXX Loan Officer - XXXX XXXX NMLS ID XXXX but currently serviced by AmeriHome Mortgage Loan Account XXXX However, we refinanced our mortgage with a lower rate, and AmeriHome Mortgage Account # XXXX was fully paid on XX/XX/XXXX. Therefore, I contacted the AmeriHome Customer dept to issue a Partial Refund of upfront paid Mortgage Insurance - {$6900.00} since the loan was fully paid in 14 months ( less than two years ). The Customer Rep asked me to send a written request for a refund, which I did two times XX/XX/XXXX ref # XXXX & XX/XX/XXXX ref # XXXX using AmeriHome online Message Center and both times they dodged my written query and second time closed it with no response. So I filed a complaint with XXXX XXXX XXXX, Complaint # XXXX, after which Amerihome Custome Manager XXXX XXXX contacted me and assured refund would be issued within 60 days. 

However, after a few weeks, Amerihome refused to issue a refund by saying that policy is non-refundable and asked to file an appeal with the XXXX customer dept. We were shocked to see the response as this was utterly cheating customer trust and causing significant financial loss without any of our faults. The policy details were never disclosed to us when closing the loan on XX/XX/XXXX ; neither did we sign any policy document showing it will be non-refundable. 

The Mortgage Insurance policy from XXXX XXXX XXXX, XXXX Certificate # XXXX, was bought by Loan Officer XXXX XXXX. In fact, when I was trying to refinance my loan last year, I first contacted the same Loan Officer, XXXX XXXX. Even at that time, he mentioned the policy would be refunded after they processed my new refinance loan and ran my credit in the last week of XX/XX/XXXX. But we proceeded to refinance the loan with another lender since they offered a better rate. 

As Amerihome Mortgage suggested, I sent an Appeal to the XXXX Customer dept via email on XX/XX/XXXX with all the details. Additionally, Loan Officer XXXX XXXX called me on XX/XX/XXXX, assuring a refund would be issued, when I confronted him on the call that you never disclosed policy terms or shared any policy documents during the closing. 

At this point, we attempted multiple times to resolve this issue and getting no help either from the Lender or XXXX policy issuer. For reference, attached is the email thread with XXXX and Amerihome Mortgage. The lender never shared any policy details or documents with us during the loan closing, which is a violation of the financial transparency law, refusing to accept their responsibility. I humbly request to help my family suffering a significant financial loss without any of our faults.
Product: Credit reporting or other personal consumer reports

Dear EXPERIAN, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXX XXXX  Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account Number:XXXX Party Owed : XXXX XXXX XXXXXXXX Amount XXXX {$60000.00} Account XXXX XXXX  XXXX XXXX account XXXXXXXX XXXX XXXX XXXX {$340.00}. I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. FTC XXXX
Product: Vehicle loan or lease

IMPORTANT NOTE : I have durable power of attorney for both parents and have provided proof of this to Hyundai Motor Finance. I have been dealing with HMF directly and they know that I am authorized to handle this matter. 

My parents are elderly, both XXXX. My father is XXXX-XXXX  and suffering from reduced XXXX  XXXX  after multiple XXXX. My mother has had multiple XXXX  accidents and has been victim of a crypto scam. 

When they went to return their vehicle at the end of its lease, the XXXX dealer talked them into a new three-year lease on a very expensive vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX payment ). When I found out, I contacted the dealer and tried to have the deal reversed, of course to no avail. I even offered to try to refinance at a lower price offering my XXXX XXXX in trade. I spoke with the dealer twice. Both times he promised to return my calls with an offer and did not. 

I then got in touch with Hyundai Motor Finance to see if I could add my name to the title as registered owner. That would allow me to insure it and drive it and take over the payments from my parents. Hyundai Motor Finance has refused. I have been able to escalate XXXX level, but keep getting refused. 

I am trying to get XXXX their money on a predatory lease which my parents can not afford. But I can not make payments on it if I am unable to insure it and drive it. My insurance company will not honor claims unless my name is on the title. 

At this point I am stuck making very expensive payments on a vehicle that is going to sit parked for the entire lease term. I have contacted the XXXX and they say it is very easy and common to add another name to the title, if the leasing company agrees. I have power of attorney for both parents and have forwarded that paperwork to Hyundai Motor Finance. 

At this point I am stuck trying to protect my parents from this predatory lease and neither the Hyundai dealer nor Hyundai Motor Finance will do anything to assist. They have all the power here because they took advantage of XXXX elderly people who cant and should not drive and have their signatures on the lease agreement. 

I have repeatedly asked Hyundai Motor Finance to escalate but they remain silent, by email and phone. Is there anything you can do to help here? 

Thank you.
Product: Student loan

I had issues with processing a payment and consistently kept getting errors from Edfinancial paying my entire loan off so I had to pay it the day it accrued interest with {$2.00}. Then, it said that there was a payment reversal with my payment so I had to pay {$5.00} interest now to finish off my loan. The email I received stated that I would pay the first amount again, {$5500.00}, but when I tried to go pay it again the first time, it said {$550000.00}. I talked to XXXX agents, the first said to pay the original amount as the email stated and the second said to pay the new amount. I believe that Edfinancial is purposely making it extremely difficult and confusing for students to pay off their student loans so that they accrue interest.
Product: Credit card or prepaid card

My bill was due on XX/XX/XXXX and the bill was paid on that date and they charged a late fee because it wasnt a paid by XXXX. Right now with this pandemic I dont know if I am going or coming how do they get to charge a {$25.00} late fee for not even being a day late.
Product: Credit reporting

During the process of my refinance, the credit report was pulled and I was notified by my mortgage broker that my score was not high enough to obtain a preferred rate. I was surprised to hear that, as I worked very hard to clean up my credit in the last seven or eight years as I had some difficulties paying off my balances on my credit cards that are in question. 
In XXXX, all balances were paid off. During the review of my report I noticed that even though the date the account of XXXX XXXX and XXXX was last active or paid off was in XXXX, Equifax was still showing them as XXXX negative trade lines on my account. I also noticed that the date last reported was XX/XX/XXXX. I called Equifax on two different occasions as I thought that one agent might have been wrong on the information that he was providing but both people at each separate time indicated to me that because these XXXX accounts were disputed in XXXX, the Equifax will continue to show it for 10 year period since the last time it was active ( with the status paid off with less balance ). I was shocked to learn that and expressed my concern that I do not believe that this was a fair practice to extend the term of reporting for an additional XXXX years because I disputed the coding that was being reported incorrectly. The last active date of XXXX was because I disputed the coding of the status with each grantor which was ultimately resolved and corrected to my satisfaction. I asked the agent why I was being punished by adding ten more years of reporting from the last time I disputed the information which results in negative impact and prevents me from obtaining financing. The response I got was that the derogatory info/code would be maintained until XXXX according to the policy which was created by the credit bureau and the financial organization but when I asked to see a copy I was told that they were unable to provide any proof of the retention policy to confirm that it was correct ; however I can go ahead and search the internet for the retention policy and I can be assured that it will support their answer. They stood by their answer that every time the information is disputed, ten more years will be added to the last date that it was active or the date of the dispute. 
In this complain, I ask that you investigate the issue as this practice is unfair. Inquiries, disputes, etc. should have no impact of how long the information will remain on my credit. I have paid all my obligations in XXXX and do not believe that it is acceptable to maintain the negative information until XXXX ( for 15 years ) because of dispute with the grantor. 
I thank you in advance for your time and consideration.
Product: Debt collection

im a victim of id theft and didnt find out till i went to buy a car and the finance man said i have to pay 18 % interest because of collection accounts on my credit file. the accounts i disputed with a id theft and police report with copy of all my info ids ect. h & r accounts refused to be fair according to the law fair credit reporting act i had medicad insurance and still do have it so i have no medical bills o
Product: Debt collection

My SSN was compromised, my credit abuse, my name defamed!
Product: Vehicle loan or lease

On XX/XX/2022, I was offered a settlement offer since my loan was past the expiration date. A {$3000.00} dollar ( USD ) settlement offer was sent. I made a {$1500.00} payment on XX/XX/2022, and I made a second ( 2nd ) payment of {$1500.00} on XX/XX/2022. I am continually getting calls from Chrysler Capital ( 4-5 calls a day ). Some representatives have spoken that I would have a charged off balance and I could possibly see negative credit reporting due to not fulfilling the settlement agreement. I have requested from multiple representatives a zero balance letter since they have agreed that the balance has been paid in full on the settlement offer. I feel their behavior violates the UDAAP as well as the Fair Debt Collections Act.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report recently. There are many inquiries that are not from me. I tried contacting these companies to remove them but they were no help. Please help me remove this inaccurate information. Ive compiled pictures and a list of the inaccuracies. 



XXXX CREDIT/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX CREDIT XXXX XXXX XXXX, AK XXXX ( XXXX XXXX XXXX *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY***** *****XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Reseller ) XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX *****XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX *****XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ******XXXX XX/XX/XXXX XX/XX/XXXX Retail, Not Elsewhere Classified XXXX BOX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX Cable TV Providers XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX & XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX ******XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *****RENTAL PROPERTY XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ******ST XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX *****XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX These are not from me and have been applied by someone else by fraud . I will lock my credit reports after these are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX ... XXXX Acct XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

Daily since XXXX. They had left over 30 messages in 30 days on my answering machine.

Navient is using an automated system with a message and will hang up. The calls primarily come in between XXXX and XXXX in the evenings everyday. 

Recently, they have been using a third party to make the phone calls and connect to Navient. When this happens, the caller ID will state that it is a Spam Risk and will not leave a message. 

I have been making steady payments since XXXX and still they continue to call.
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. However, I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX {$880.00}
Product: Debt collection

Despite numerous requests for a Validation Notice/Validation Letter , McCarthy Burgess & Wolff has failed to send it to me. I have made past requests directly, and through the CFPB before. I believe they are legally required to send it so I would encourage the CFPB investigate them for this, nevermind the fact they illegally attempted to collect money from a criminal act against me. 

MB & W -- I can say with 100 % certainty I have never gotten what is supposedly legally required for you to send. Perhaps you should send it registered or certified in the highly unlikely chances the last few Validation Notices you sent got lost in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax used my information incorrectly because of the breach and now there are discrepancies on my report. 
XXXX XXXX  XXXX XXXX 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
Product: Debt collection

Hunter Warfield account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests 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 has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX , I submitted a dispute with Experian regarding information reported by  XXXX   XXXX   XXXX  for {$420.00}. I electronically challenged the accuracy, compliance, and reportability of this information and stated : " Please validate this information with  XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 ) ( A ) , and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification. '' Experian replied with " verified '' but did not provide me any documentation nor show anything bearing my signature.     On  XXXX   XXXX ,  XXXX , I sent a certified letter to Experian, Tracking # :  XXXX   XXXX  attached ) requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifte en ( 15 ) da ys of the completion of your reinvestigation. I asked the to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.     This letter was signed for on  XXXX   XXXX ,  XXXX  by Experia n ( attached ).      On  XXXX   XXXX ,  XXXX , I received a response from Experian which was dated  XXXX   XXXX ,  XXXX , 2 days past the deadline. Their response was exactly the same as the first request for validation. They merely stated " verified ''. Again there is no signature from me showing a legal binding obligation to  XXXX   XXXX   XXXX .
Product: Money transfer, virtual currency, or money service

Hi. I would like for PayPal to please fully review my account. I am in desperate need of the funds in my account and I have tried everything I can to prove to PayPal that the funds received are legitimate. I understand that PayPal is stating that they are holding funds due to them seeing I was a resident of XXXX. I have uploaded all the documents that I have available to prove that XXXX  benefits were due to me as well as the XXXX  benefits. I will re-upload all the documents I have submitted prior but I really pray that PayPal offers a one time exception or an explanation as to what additional information they need to open my account. I am behind months on bills due to this and I am unable to continue to build my businesses during this time. I am also facing an eviction because of this situation. The original 180 date was supposed to end in XXXX but now PayPal is saying the 180 days is over in XXXX. If PayPal is unable to release funds, I am asking if PayPal sticks to the original 180 day hold and release them accordingly in XXXX. 

Please PayPal act in good faith and release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

The USAA FEDERAL SAVINGS BK policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. USAA is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, USAA has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.