23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Prior to my loan being transferred to Loan Care for the payment portion, I had XXXX issues. On XX/XX/XXXX, after opening up a billing statement, dated XX/XX/XXXX, that stated my XXXX payment had not been received and my XXXX bill was double as it included the missing XXXX payment, I called loan care. The first representative, I forget her name, was uncooperative, would not answer my questions and eventually just stuck me on hold and did not return. I called again and spoke to XXXX who could not tell me why I received that bill, why it showed a missing payment so I asked for her supervisor. I was transferred to XXXX who confirmed my payments were up to date and, given much resistance, answered my question why I received this bill for double the payment. She said " We did not receive your payment until XXXX the XXXX, which is XXXX  days after that statement went out. '' When asked, she insinuated that the problem was my bank and the fact that I used bill pay. I then asked why I haven't received any statements showing my past, XXXX and XXXX, payments. She confirmed my mailing address and said the statements were mailed but would request they be mailed again. I told her they were not mailed and I did not receive them. There was more resistance from this company to supply what I have asked for and the requested documents were never sent, so I filed a complaint with the BBB. They eventually replied and provided my tax form and a copy of a billing statement that was NEVER mailed to me. I called again and requested paper bills and proof of payment about XXXX weeks ago and still have not received anything. I did not receive a bill for XXXX and my XXXX due date is quickly approaching and I have nothing from this new company that took over the payment part of my loan. They absolutely refuse to send me paper bills and proof of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two collection accounts are showing on my report for the same debt. It looks as though one bought the debt from the original creditor and then another company purchased the debt and is showing the same account with a different amount from the original creditor. I do not owe this debt as it is for an insurance company and I paid insurance monthly ahead of time. I want both accounts removed from my report. I have disputed the information with the two collection agencies as well as the credit bureaus but it always comes back as validated and I do not believe this to be the case. I also do not see account numbers nor an address to reach the collection agencies on my report.
Product: Vehicle loan or lease

When I got my car loan I was told the interest rate would be 12 % along with the Veterans discount of {$1000.00}. I wasn't given discount and my interest payment ballooned to 29.99 %. I was told that I can drive the car home during the application " pre-approval '' phase. I was told that nothing with the deal would change. The Dealer told me that the car I got was all I was already qualified for at the lower rate of 12 %. The manager needed to call his friends in the bank who could make that happen. I drove that car around and sold my other car that night. I later got a call a few days later telling me that either I XXXX. Take the deal with the new terms XXXX. Reject the deal ( car I had was sold ) or XXXX. Return the car and have the dealership report it to the police as stolen. Now I am a XXXX Veteran ( 100 % VA rating ) and that terrified me. I had no other car and I took the deal without what I was told. The Dealer told me that I was lucky that it was mine now? How when my rate XXXX and I was given no Vet Discount. He laughed I even heard other Veterans talk about how they got treated the same. The finance company when I told them said that it was nothing that they can do. Then nearly every conversation I had with them was hostile. The reps were extremely aggressive telling me 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' Who says that? So I asked them to stop calling me and only email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, i utilized a virtual in-store card at XXXX. The virtual card was used for a purchase of pendant necklace in the amount of XXXX. The XXXX store is located in XXXX, TN ( XXXX XXXX ). 

I returned the item on XX/XX/2021, same store. I spoke with the department manager that printed a new receipt showing the return of the item. And a purchase item return receipt. 

Ive contacted Klarna sent all relevant documents. To no avail, no results from Klarna. Ive receive emails from Klarna investigation team requesting those documents, I sent documents to them on several occasions, but they continue to close investigations alleging that I never sent documents. Also they continue to attempt collecting money for an item I returned already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX XXXX .... Balance : {$410.00} ; XXXX XXXX XXXX .... Balance : {$450.00} ; XXXX XXXX XXXX .... Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems is reporting into XXXX XXXX and XXXX inaccurate information that was removed from my XXXX report due to Identity Theft in XX/XX/XXXX and XX/XX/XXXX. I was denied housing on Friday, XX/XX/XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted National CreditSystems. They advised Accounts XXXX XXXX XXXX XXXX XXXX were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.
Product: Mortgage

I applied for a refinance with Amerisave on XX/XX/XXXX. My loan originator was XXXX XXXX ( XXXX ID # XXXX ). I naively believed XXXX and Amerisave when they said that while they did not lock in a rate at the beginning of the process, they ( Amerisave ) would pay to buy down the rate if it went up. The agreed to terms were 2.5 %, no discount charges, and nearly {$1000.00} in lender credit. 

I have excellent credit and provided every piece of documentation that they asked for promptly. On the Amerisave side, things continually dragged out and I would have to call/email multiple times a week to get status or to push things forward. On XX/XX/XXXX, I received a new disclosure that changed the ~ {$1000.00} credit to a ~ {$1400.00} discount charge. A change of ~ {$2400.00}. When I brought this up with XXXX, he said it was just part of the process and they ( Amerisave ) would pay to buy the rate down and that our original terms would still stand. Then on XX/XX/XXXX, a new disclosure increase the discount charge to over ~ {$7500.00}, so an almost {$8500.00} increase from the original terms. According to their documents, they waited until XX/XX/XXXX to lock in the rates even though the rates continually increased from XX/XX/XXXX. 

I told them that I would not sign this latest disclosure and tried escalating. Getting anyone up the management chain to respond was incredibly difficult. After chasing them day after day and finally getting through to different " managers '' once in a while, I finally agreed to pay ~ {$1200.00} in discount charges ( as opposed to a ~ {$1000.00} credit ) because as much as I was upset that they lied, I didn't think I'd be able to get anything better. This was agreed to by a few different managers including XXXX XXXX and XXXX ( don't have the last name ). They provided a closing disclosure on XX/XX/XXXX with these terms that we agreed to. 

After agreeing to the terms of the XX/XX/XXXX disclosure, they then started sending new disclosures that either increased the loan rate ( to 2.625 % ) OR increased the discount charge to ~ {$4000.00}. I kept responding that they had already agreed to terms on XX/XX/XXXX ( well after they locked in the rate ) and that I wanted those terms. They basically stopped taking calls or responding to emails but eventually I was able to get through to a processor name XXXX XXXX who on XX/XX/XXXX agreed that they would be meeting the XX/XX/XXXX terms. After that it was no communication again as much as I tried to get a hold of anyone. Then on XX/XX/XXXX I got an email saying that my loan was declined. I asked they and XXXX XXXX responded on XX/XX/XXXX to say that it was canceled and not declined. When I asked what that mean there was no further replies. 

In XXXX I was able to find another lender that was able to close me in less than 3 weeks. 

In XXXX I received a letter from Amerisave saying that my credit had been denied due to " Credit Application Incomplete ''. Which of course is the last whopper of a lie in a 4 month battle that was filled with nothing but lies and incompetence from Amerisave.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification on the negative items on my credit report. 
They stated that everything was accurate. I did a thorough research myself and found that it is still inaccurate on my credit report. 

Account- XXXX Account XXXX Account- XXXX XXXX XXXX Account XXXX Account- XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXXXXXX Account  XXXX XXXX in accordance with the fair credit reporting act each account above 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.
Product: Debt collection

On XX/XX/XXXX I did a consumer credit transaction with XXXX. The total amount of the transaction was for {$3300.00}. A few weeks after the initial transaction I received a bill requesting that a payment be made. Moving forward this alleged debt was sold to Cavalry XXXX XXXX. On XX/XX/XXXX I received a communication by mail from an attorney 's office hired by Cavalry who goes by the name of XXXX XXXX XXXX, XXXX. Months later, I discovered that there was a court case opened by Cavalry SPV, LLC and XXXX, XXXX and it's attorney XXXX XXXX XXXX. The case was filed on XX/XX/XXXX and was never served or notified of this action which is illegal and required by law that anyone being sued must be served with a court order. After discovering this lawsuit, I communicated with attorney XXXX XXXX XXXX via mail and sent them over documents stating that they are in violation of the Fair Debt Collection Practices Act, 15 USC 1692 and the Fair Credit Reporting Act, 15 USC 1681. Cavalry received these documents on XXXX at XXXXXXXX XXXX. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Product: Credit card or prepaid card

I opened a dispute then ending up in another dispute with with the bank. 
Ive Been with 5/3 for 5+ years during that period I have been late on payment once maybe twice, after opening a dispute I was given incorrect information ( on a recorded line that was reviewed and confirmed ) by their representative who advised me not to make any payments on the amount in dispute which was my entire balance at the time yet still I was charged late fees which they refused to waive even after it was confirmed the rep gave me wrong info. So my claim was denied and I was charged 2 late fees on top of my dispute amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX : ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX credit breach several years ago. As a result I was offered ( as terms of the settlement with the US government ) free credit monitoring with experian. I created a account with them so that I could check the status of this monitoring. Without being told I was apparently signing up for a paid service which was not the terms of US government settlement. 

I have tried to dispute the charges that have been put on my credit card ( {$78.00} ) without my authorization. I have spent 10 hours on the phone in XX/XX/2022 trying to get this resolved. They shift me from one person to the next who then hangs up on me. 

I believe they are perpetrating a fraud by taking the information on people who were victims of the XXXX breach and converting them through deceptive emails to a paid account. 

In addition the website I was told to go to for the XXXX breach coverage XXXX is not a valid website. Repeated calls to experian have resulted in the same run around and misinformation. 

Today XX/XX/2022 I am filing a dispute with the credit card company.
Product: Debt collection

Contacted me again after I advised that I am being represented by an attorney to reorganize my debts. I advised  XXXX  to not contact me again by phone and to refer all inquires to my attorney.
Product: Money transfer, virtual currency, or money service

I initiated an international transaction XX/XX/year>, XXXXXXXX XXXX  using my Paypal balance of {$280.00}, the Paypal redirected me to XXXX XXXX for international transaction, however XXXX XXXX a refund to Paypal Balance within 2-3 minutes with the Transaction ID XXXX. It is reflecting on Paypal account that XXXX refunded to Paypal Balance but my balance was never updated within this refund it is till date {$0.00}. I reached out to Paypal and XXXX both as their resolution center was sending me to talk to them, So i requested for a supervisor on XX/XX/XXXX, he accepted that Paypal has received a balance and due to holiday it coiuld not be reflected in the balance and in next 2-3 days they will address it. 

when my balance was not updated with this return i reached out to Paypal again and they again denied to help when insisted the created a case to talk the supervisor. even that supervisor tried to convince me that they can not do anything and i pursue the case with XXXX. When again i insisted that they resolve the issue since both are Paypal company and even the site clearly shows i got a refund from XXXX in my account then created a dispute Claim # XXXX XXXX However today they sent me an email stating : " We have reviewed this transaction and we are denying your case. '' I just do not understand what it means it definitely not a resolution as my balance is not updated and xoom initiated a refund that was never applied back to my Paypal Balance. 

Please help me get my money back. As i have gone through enouigh hassle and XXXX XXXX for last 12 days.
Product: Mortgage

I am seeking the help of this agency and would like to file a complaint against Ditech Financial LLC, mailing address is XXXX. XXXX XXXX, XXXX XXXX, SD, XXXX. This institution currently holds a Mortgage loan on my current residence. I have been a client of theirs for over one year, as a result of the mergers of the original company i signed my mortgage contract with. As background, I have never been late or missed a mortgage payment with either the prior mortgage company or with Ditech. I have paid exactly the amount Ditech sent to me every month per their billing statement. XX/XX/XXXX, they are demanding I pay an additional {$3500.00}. When I questioned the reason there was no explanation provided to me. There has been no increase in my real estate taxes as confirmed by my county and no increase in my home owners insurance. Both resources confirmed for me this fact. When notified by Ditech of the increase, I sent them a request asking for an explanation and I have not received a response. I have called them on multiple times, indicating that I will now pay my homeowners and taxes separately and that I will now only pay them principle and interest charges for the loan. As a result I prepaid my real estate taxes through XXXX XXXX, XXXX and sent Ditech a receipt showing the tax is now paid. I have also for the last three months paid my principle and interest payments on time. I have receipts of all transactions. 
My rationale for paying my taxes and homeowners separately at this point is that Ditech has not demonstrated to me the competancy of computing and paying my taxes on my behalf. I do not understand their computation and they refused to respond to my questions. The only response I did receive is " Your mortgage payment is now 60 days past due and your account may be referred too for foreclosure. Ditech financial LLC has tried to contact you previously to make you aware of the foreclosure prevention options that may be available to you. In case you are unable to bring your payments current ''. 
I completely disagree with their statement.
Product: Debt collection

I have carefully reviewed my credit report profile, and I believe that the information reported by your bureau has failed to maintain reasonable procedures to assure the maximum possible accuracy, as mandated by credit reporting laws. The following information requires immediate reinvestigation, as it is entirely inaccurate and incomplete. I respectfully request that you provide proof of the alleged items, including the contract, note, or any other instrument bearing my signature. In the absence of such documentation, I insist that the items be promptly deleted from my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. The inaccurate items in question are as follows : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. In accordance with FCRA 15 USC 1681, I expect your bureau to take every necessary step to assure the accuracy and correctness of the information reported in my credit profile. Furthermore, I request that corrected credit profiles be supplied to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes.
Product: Credit reporting or other personal consumer reports

Im submitting this complaint because Discover Bank has inaccurately reported late payment to the credit bureaus. According to their records, a payments is marked as late, but in reality, this payment was made on time. Despite this, the incorrect information is still present on my credit report, which has significantly impacted my credit score. The harm caused by this error goes beyond just numbersit has affected my ability to qualify for better interest rates and financial opportunities. This situation has been incredibly frustrating and stressful, and Im asking for these inaccuracies to be thoroughly investigated and corrected as soon as possible.