23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Great Lakes Borrower Services, GreatLakes.org appears to be altering Auto Pay plans, and using my yearly renewal of Income Based Repayment plans as an excuse to disrupt my payment schedule, collect more interest, compromise my payment record, and in the end disqualify me from income based repayment benefits. 

Their auto pay system updated my scheduled plan to skip two months of payments.
Product: Payday loan, title loan, or personal loan

Originally applied for {$5000.00} was approved for {$900.00}. At that time we thought paying {$6000.00} for a {$900.00} loan was insane. So my wife and i decided against it. That was roughly around XX/XX/2019. XXXX XX/XX/2019 we decided to go through with the loan. My wife submitted the application was approved for the {$900.00} provided all information ssid banking etc and after they provided the payment breakdown she e signed the contract. Then they said she had to call a number to finish the process. During this call they re collected all her information then after a few minutes informed her she was now only being approved for {$270.00}. With the exact same payments and cycle as for the {$900.00}. When my wife challenged this discrepancy XXXX the supervisor hung up on her. So now they have all our banking information and personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 
1

5 U.S.C 1681 Section 602 A. States that I have the Right to Privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer Reporting Agency can not furnish a account without my written instruction.
Product: Credit card or prepaid card

We financed some furniture from a XXXX 's XXXX, and were approved for an amount of credit higher than our purchase amount. They mentioned that we would be able to add future purchases onto this loan, up to the credit limit. 

Not long after, we received a credit card in the mail branded with the " XXXX 's XXXX '' logo and colors. It was our assumption that this was the store account we would be using to make our monthly payments on. When we accessed the account online using the directions in the letter, it was noticed that the balance of the account was at {$0.00} and the amount of credit was different from our loan amount. 

We realized this was a credit card through Synchrony, but we had never applied for this card.
Product: Debt collection

three occasions on hold more than 30 minutes to explain I do not know this company and did not apply for credit. every time i am told they will eliminate the account and apologize for the continued billing. still, i receive payment notices.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
Product: Mortgage

I was attempting to check mortgage rates on the Quicken website. When I needed to pretty much submit an application to get a rate, I exited the website. I have received three robocalls within 24 hours since then from Quicken and another loan company. The first call from Quicken was about XXXX seconds after closing the internet browser. I told the Quicken employee to remove me from their contact lists and I wasn't interested in applying for a mortgage loan. I am concerned that my phone number is being sold to illegal robocallers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 4 3 credit bureaus XXXX XXXX Equifax in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true
Product: Vehicle loan or lease

I purchased a vehicle through in XXXX  from XXXX in XXXXXXXX XXXXXXXX XXXX XXXX lender is Bridgecrest in XXXX. After 1 month of having the vehicle this was in XXXX  I got a routine oil change from XXXX in XXXXXXXX XXXX. I WAS TOLD that the car had been in a accident where the frame was welded back together. Vulnerable credit situation I spoke with XXXX XXXX about the discovery o was told them my 7 days was up and I'm basically stuck in the loan. I later completed a XXXXXXXX XXXX XXXX of the vehicle and the car was literally worth XXXX. After relocating back to my hometown with the car ( a very good welder ). Here it is XXXX years later paying XXXX a month and $ XXXX later, i lost my job and faced this current financial hardship dealing with BridgeCrest solely. They repossessed my vehicle and offering an impossible resolution. Unfortunately I live in an area that is car depended. Bridgecrest resolution is ridiculous and unfair considering I'm literally XXXX years into ownership. Help with a reasonable resolution and quit damaging my credit.
Product: Credit reporting or other personal consumer reports

Credit acceptance corp This account is well over the reporting period, Account was closed back in XXXX But still reporting on credit profile with last payment showing XXXX. 

Please see screenshot for reference. 
Original amount XXXX XXXX amount : XXXX
Product: Debt collection

I am being sued by XXXX XXXX XXXX XXXX, who in turn purchased a debt under my name from Navy Federal credit union. I tried attaining information on the purchase of the debt from both parties and have been refused both times. I was keenly interested in the original credit card agreement with my signature and the terms and no party has this. The NFCU rep supervisor hung up on me when I wanted to see these terms. She stated, they no longer have. How can you know what debt is owed if you don't have evidence of the terms? How can I solve this issue without this evidence? Can you sell something without proof of ownership?
Product: Mortgage

In 2018 I attempted a loan modification with my loan servicer Shellpoint mortgage and in the end after paying {$5000.00} in attorneys fees the offer by Shellpoint was {$600.00} a month more than what my current loan was. I was already struggling to pay the current loan and the additional {$600.00} offer caused me to decline the mortgage modification. I had to bring the loan current which cost me {$15000.00} which I paid up through to 90 days as they explained was appropriate. They explained I could add extra payments to close the gap overtime which I continued to do. Today I am currently trying to refi my home to come out of Shellpoint mortgage is a ARM with a floor at 5.94 % so that I may lock in a new loan at 2.97 %. The loan has been being paid consistently however when it was time to close on the refi Shellpoint, upon reverification of payments, indicated my loan have consistently been behind 60 or 90 days. Untrue. That gap was closed months ago and an attorney has since said with the declined loan mod, the 90 day gap should have just been added to the back end of the loan. This has now caused my refi to be in jeopardy if not fall apart and handcuff me to this loan. For which I am prepared to sue. If my Mtg payment happens to return for which I replace immediately, Shellpoint has charged me {$400.00} in fees for such in the past. Additionally, randomly, Shellpoint put my account with an escrow account just before my loan mod in 2018 and didnt inform me which also was making me Behind because my usual payments were no longer enough so this increased my monthly payment. This was not the original agreement when I did my mortgage and despite requests to remove it, the escrow acct still remains in place. In addition to that, any extra funds I may try to pay for fees or apply to principal either go to an unapplied funds account or they return my payment to me thereby making it almost impossible for me to either pay down the mortgage quicker or address the fees that they excessively charged me. Now, at refi closing they want to say my acct has had a year of 60 day lates when originally starting the refi they indicated the account was in good standing. Theu need to have their pay practices audited and fines/fees refunded to me because their predatory and userous. They want me handcuffed to this 5.94 % ARM rate.
Product: Credit card

I have applied for a credit line increase on several occasions. I have not received any information in writing as to why I was declined. After multiple calls to supervisors and customer service representatives it was determined that you are basing your decision from XXXX credit reporting agency that I am showing delinquent account/s. I have no delinquent accounts on my XXXX credit report. I am enclosing a recent copy of that report that clearly states I have no delinquency 's or derogatory information. Please fix this as I am a good customer that just want an increase in credit.
Product: Mortgage

In the year of XXXX, I traveled mostly and had a different mailing address from the property address so someone could assist me with my mails. I also had my bank automatically sent the payment to the mortgage company at the beginning of every month. 
Around XX/XX/XXXX, my loan was transferred to Shellpoint, a division of Newrez, but I didn't receive the statement of transfer ( until XXXX ) nor the subsequent monthly statements. Around XXXX, I found out about the transfer. Immediately, I contacted Newrez and found out at transfer point, Newrez had the wrong mailing address on file so I hadn't gotten a statement. Also the previous mortgage company stated that they forwarded the XXXX and XXXX payments but returned the XXXX and XXXX payments. Immediately, I sent in all the payments that were behind to Newrez. 
Around XX/XX/XXXX, my bank and I contacted Newrez and requested for the late fee of {$200.00} to be credited. The reason was I was paying on time, but their mistake of having the wrong mailing address on file was causing all the confusion : me not be aware of the loan transfer nor getting the monthly statements and, therefore, my payments were going to the previous company. I never heard about the result of my request from Newrez after that. 
On XX/XX/XXXX, I contacted Newrez again and spoke to XXXX XXXX who said he would file a complaint to remove the late fee in XXXX and XX/XX/XXXX. Again, I never heard from Newrez again. Around XX/XX/XXXX my loan was transferred to another company. 
On XX/XX/XXXX, I contacted Newrez again to follow up on my request and spoke to XXXX XXXX who said my request was denied because my account was transferred out so there was no account to credit to. I told her in that case Newrez can send me a refund check of the credit, it doesn't need an account to credit to. But XXXX XXXX insisted that XXXX XXXX is pretty higher up and that was the decision. This is the most lame excuse or illogical reasoning. It is similar to when you close your credit card account and there is a credit, and the credit card company said they're not going to send you a refund check because there's no account to credit to. 
In summary, the company entered in the wrong address at transfer point causing the issue, repeatedly ignored my requests, then finally came up with an lame, illogical excuse for not giving me back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted The credit reporting agencies to explain that Im a victim of identity theft. Ive added Fraud alerts. Ive mad many complaints about third part debt collection that is on my account they should be removed and they continue to knowing keep it on my report. Ive been violated. They have removed 2 accounts and have left the rest. Ive brought this to their attention and they to be negligent in the investigation.
Product: Credit reporting or other personal consumer reports

I have not Supplied proof under the doctrine of Estoppel by Silence XXXX XXXX XXXX ( mo ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I submitted a Dispute with XXXX, XXXX, and Experian. In this Dispute I asked these companies to Delete the information on my credit report because they were not reporting 100 % accurately. I also Asked these companies to send me verifiable proof. On XX/XX/2020 I still Did not receive a response from the credit bureaus so I sent in another letter asking for proof of a investigation from the bureaus. and still there was no reply. I sent another letter out letting the bureaus know that they were violating my rights as a consumer by not responding to my request. It is now XX/XX/2020 and still I have not received a response from the credit bureaus.
Product: Credit card

I purchased and XXXX unlock online so that I could use my XXXX with other carriers. The company is located in an international location and I paid them a fee of {$28.00} as they told me it would cost to perform the unlock. I have used other companies and similar services in the past with good results. Immediately upon receipt of the {$28.00} I received another notification that the service would cost an additional {$50.00} to process and I contacted the company XXXXXXXX XXXX to stop payment and to request a refund as they were not operating ethically or honestly and scamming people by taking their money to buy a service but not delivering what we paid for. It is simple extortion and further investigation confirmed I am one of many who have become victims. Chime XXXX inve=stigated but denied the return of my funds. I am XXXX and the spouse of a veteran recently deceased. Money is something I have very little of now.
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt swift attention to this important matter. Thanks XXXX XXXX XXXX of Birth : 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

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/202XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 Fraud Resolutions Dept over phone informed me I need to make a list of all the fraud I reported that THEY FAILED TO INVESTIGATE AS FRAUD and write disputes for charges that are OVER 2 YEARS OLD. UNACCEPTABLE. USAA IS ON LINE BANKING ONLY. USAA does not provide adequate options for XXXX ELDERLY. I HAVE NO METHOD OF DOCUMENTING IN WRITING WITH NO HANDS OR ON LINE AS WELL. All my other banks have branches I CAN EMAIL and have contact in writing and they manage to verify me by phone without hours of hassel as is with USAA. USAA neglects their responsibilites of adequate banking services. WITHOUT PROVIDING CONTACT for ALL consumers. XXXX Elderly are targeted. We need more protection from the rampart theft in the world today. AND I DO NOT TRUST USAA I WILL NOT DESTROY MY HEALTH ARGUEING ON PHONE AS ALL USAA REPS DO. I WILL NOT BE INSULTED THAT I AM A LIAR OR THAT I REPORT FRAUD TO STEAL. I NEED WRITTEN CONTACT ( TO ) USAA AND ( FROM ) USAA. With no hands putting in writing is not an option. I can not write. My emails are not secure due to my XXXX HOWEVER IT SEEMS TO BE MY ONLY WRITTEN FORM OF CONTACT. NO MORE SECRETS AND INSULTS. I have maintained an excellect reputation and background for over 71 Years. USAA sends No Reply Emails ONLY They are On Line Only. 
I CALL MAJOR FOUL.
Product: Credit card or prepaid card

Chase closed down 2 credit cards I had with them 1 ) Chase Sapphire Reserve Credit Card and 2 ) Chase Freedom Unlimited. Chase refuses to provide me a reason for closure. I had been a chase customer for over a decade, with business accounts and personal accounts. Supervisor I spoke with over the phone was absolutely rude and informed me that they have decided to end their business banking relationship with me and to never contact them again. 

All of my accounts were up to date and I have an excellent credit rating above XXXX. There was nothing that I can think of that was done from my end that could have caused the closure of my account. 

The credit card shutdowns will significantly impact my credit scores as my chase freedom unlimited credit card was over 10 years old and my oldest account. 

It is unconscionable for a mega corporation to simply close an account, not provide a reason, to never provide a reason for closure, and to treat that holder of said closed account with such disdain and disrespect.
Product: Debt collection

Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , MO  XXXX  Phone : (  XXXX  )  XXXX  Has reported a totally FALSE debt on my credit report. Here is the explanation to  XXXX , the credit reporting agency. This is NOT MY DEBT. It does not belong to me. There is no verification or proof that shows that it belongs to me. This is a SCAM. They have DINGED MY CREDIT REPORT WITH BOGUS INFORMATION.     Midwest Recovery Systems, LLC ; Collection Reported  XXXX  ; Assigned  XXXX  ;  XXXX   XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX   XXXX  ; Amount {$850.00} ; Status as of  XXXX  Unpaid ; Date of 1st Delinquency  XXXX  ; Balance as of  XXXX  {$850.00} ; Individual Account ; Account #  XXXX  ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Collection Account ; Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX  : (  XXXX  )  XXXX
Product: Mortgage

My mortgage was sold from XXXX XXXX XXXX to Nationstar Mortgage. I never received any information from XXXX about the sale until it already had happened. When my wife attempted to contact Nationstar about our payment ( since it was XX/XX/XXXX ) they told us that they did not have our recorded updated so they could not accept a payment. They said we would get notification when everything was in place to make the payement. The notification came on XXXX XXXX and said that we were overdue on our payment and a late charge was assessed. When we contacted Nationstar they stated that the payment was due on the first and we were overdue. My wife explained the situation of what happened and was treated poorly. When she asked to speak to a manager she was informed that they did not have one. She attempted to pay the amout due and was told that she would still have to pay the late charge plus a fee since she was paying over the phone. She said that she would mail the amount but refused to pay the late charges due to the fact that it was an error on their part. Soon after we started receiving notices that Nationstar was starting paperwork to forclose on our house. How can this be legal? We have n't been with them a month and already getting notices of forecloseure. We still never received any other information from the company other than a bill. I would expect to receive information about my loan to verify there is no changes, a list of contacts and numbers to call for any questions, and something about the company that now has this very large loan against me.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute inaccuracy reporting on my Equifax credit report without success! This account in question ending in XXXX with XXXXXXXX XXXX has already been successfully removed from XXXX, XXXX and XXXX credit reports! I have the right for 100 % accuracy on ALL major credit bureaus. My last payment reported is XX/XX/year> which means I have legally past the 7 year statue of limitation and this account must be removed from Equifax credit report as other credit reports have already removed this account!
Product: Mortgage

Thank you, I explained some of this in the field above, here is the latest in a large number of emails i have written to Mr. Cooper, sent this morning " Good morning, I am the owner of apartment XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX New York XXXX XXXX. A condominium here in New York. 

Mr. Cooper purchased my loan from XXXX XXXX Bank in XXXX and I have made the XXXX, XXXX, XXXX, XXXX and XXXX payments, ( mailed today ) on time, each month. 

Not XXXX payment is missing, not XXXX payment was late. 

And each month you continue to send me threatening letters, I have received XXXX letters from Mr. Cooper in the last 14 days claiming I am in default. I am not. 

Here is the payment detail that you will see attached above : XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX CHECK XXXX SETTLED ON XX/XX/XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX CHECK XXXX SETTLED ON XX/XX/XXXX XX/XX/2023 XXXX XXXX XXXX CHECK XXXX SETTLED ON XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX CHECK XXXX SETTLED ON XX/XX/2023 I will one more time forward proof of payment attached above with this email. If you continue after this to slander, libel, and harass me I will pass this matter to my attorneys. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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

This XXXX account is not mines. This account has been disputed and deleted from XXXX and XXXX. It is still showing up in my profile. 
Please delete from Experian. 

XXXX XXXX NO PHONE NUMBER NO ACCOUNT NUMBER NO PAYMENT HISTORY NO CONTRACT NO PROOF OF VALIDATION PLEASE DELETE FROM MY.CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never done business with this company. XXXX XXXX  They sent a contract to me with wrong address, Fake signature, different balance amount then on my report, different reporting date, and no SSN. I never gave anyone permission to use or report an of my personal information. Please have this account removed from all three of my credit reports. 

Thank you
Product: Credit reporting

Trans union states this was verified, really by who? The court told me they do not verify or validate this. So they are telln a fib. Therefore now I ask Trans-union to cease n desist their in-accurate reporting of this information. They know full well courts do not validate nor verify this information.