23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A check was mailed to Barclays for the entire balance as a part of credit consolidation. The check was mailed XX/XX/22 and cleared on XX/XX/22. I called the company the following week and was told no check had been received. I got a copy of the check from the issuing institution and called Barclays again, twice attempting to resolve and speak to a XXXX. I also did a chat with another associate. I was told there was a case number XXXX that was created on XX/XX/22 but it could take up to XXXX months to resolve, they would not credit my account until it was resolved and I would need to continue to make minimum payments until they reached a resolution. This is unsatisfactory, as well as it takes longer than XXXX mins to reach a supervisor. I have tried multiple times and I am left on hold indefinitely. I have given up but demand a resolution. And will I be liable for accrued interest during this time they are researching?
Product: Debt collection

Please refer to XXXX XXXX XXXX, which I filed on XXXX/XXXX/XXXX. Now some company named I C Systems Incorporated, XXXX. XXXX XXXX, XXXX XXXX, MN. XXXX and telephone number XXXX XXXX XXXX XXXX is claiming that I owe this {$370.00}. They again list XXXX XXXX XXXX XXXX as the original creditor. This information is listed on my latest XXXX credit report and even after I filed a dispute with XXXX I was told that the company is listing this debt as valid. The partial account number for this company is XXXX and the address identification number is XXXX. I would like this mess removed from my credit reports and I want it listed as " G '' claim filed with government.
Product: Mortgage

Appraisal did not note any of the huge existing issues in the house that a professional in this business would definitely have noticed.

Seller lied even on document advertising false repairs / renovations/ upgrades that were inaccurate like granite countertops when actually is synthetic countertop and so many items that were false/ Fraud claims to entice buyers.

No one involved help give me accurate truthful answers for my very first home buying experience. 
No Help given /Not from The loan officer My Realtor Sellers Sellers Realtor Appraiser Closing Staff Title Company or even City and County resources after I purchased the home. Seemed they were all collaborating on misrepresentation of home value and tricks used to appear like home fully renovated but huge costly home renovations Not done but they all stated were fully renovated and upgraded. I had no idea that I purchased a money pit and spent every penny I had on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX has an very old account listed and showing on my credit report and profile that should have been removed over 10 years ago, this is the second account I've discovered & according to the FCRA, accounts showing and has reported inaccurate information for many years are to be removed immediately. I am requesting immediate removal of this account as the statue of limitation has expired on reporting and it is causing my credit profile too be risky to potential new lenders and also causing harm to my credit score by keeping it lower than it should be. As I have had ZERO derogatory, missing or late payments in almost 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit reports periodically to ensure they are correct. When I checked my report a couple months ago, I noticed that XXXX had sent me to collections, saying that I owed them {$91.00}. I knew this to be incorrect. Though I had had accounts with XXXX in the past, I was very careful each time to pay the account in full, at the time of closing, and leave a forwarding address in case anything came up. I never received a call, email, or letter from XXXX regarding any outstanding debt and I was verbally assured by a XXXX representative that I had no outstanding charges at the time of the account closure. 

So, I disputed this negative account through all three credit bureaus. XXXX  and XXXX  investigated and promptly removed the error from my report. Equifax however, allegedly investigated, but chose not to remove this negative account from my report. When I contacted them by phone to resolve the matter, the rep I initially spoke with refused to take any action on the matter. I asked for a supervisor and the supervisor agreed to open another dispute, on my behalf, and to make it a point to mention the fact that this account had been removed from my report by the other two credit bureaus. 

I then received an email, after roughly two weeks had passed, letting me know that the new dispute had been completed. When I checked the status, via Equifax 's online portal, I saw that they still had not removed the error from my report. 

I'm filing this complaint because Equifax did not do their due diligence in investigating the matter and they did not provide me with a reason as to why they did not remove the error from my credit report, as the other two bureaus had done. Furthermore, XXXX had no legal right to send me to collections as I did not have outstanding charges with them, nor did they make any attempt to contact me, which they could have easily done via the contact information I had provided to them.
Product: Debt collection

I had a loan with XXXX XXXX / Cashcall.com / XXXX XXXX XXXX. These companies are currently under investigation by the CFPB as well as being sued by the Attorney General of my state ( MN ) as illegal loans. 

The original principal was repaid several times over, yet this company continues to sent me collection notices. 

I have stopped paying and blocked this company from being able to make automatic withdraws from my bank account. They have reported a delinquent status to XXXX credit reporting agency. 

I request to have documentation that states these loans are illegal, that I have paid the principal on the loan, and that XXXX should immediately delete this record or show paid in full. 

CFPB assistance greatly appreciated.
Product: Student loan

I had all my student loan information and online login registered to an employer email and phone number at the time. I had changed employers and was not receiving any of the calls or emails regarding my account. once I realized I did some research and called in to get things taken care of. when I spoke to the loan company I was told if I put my account on a forbearance it would bring my account current and not report any late to the credit bureau. now on my credit report it reports as 120 days late and causing me to not be able to get the mortgage loan I need to provide a home for my family. I called the loan company again to complain about this and they tell me there is nothing that can be done. I spoke to the credit assessment department and a loan manager. everyone says that I was 120 days late and I never was. my account has since been pain in full and still no one will adjust the issue.
Product: Bank account or service

On XXXX I opened XXXX CD 's in the amount of {$200000.00} each with XXXX in XXXX NY . CD 's term was13 months and were automatically renewable. The CD certificates were placed in my safe deposit box in the same bank. These CD 's were not redeemed, were discovered when I went to close my accounts and safe deposit ( which had not been opened in years ) box at what is now Wells Fargo Bank and discovered the XXXX Cd certificates, submitted them to the bank for redemption and was told that they had no records going back that far, and refused my claim. The issue is compounded by the mergers of XXXX XXXX into Wachovia in XXXX and the merger of Wachovia into Wells Fargo in XXXX.I believe the CD 's were in force at the time of both mergers and represent a debt obligation the must be honored by Wells Fargo. My CD records may have been lost in the mergers. Wells Fargo agrees that my original CD certificates are evidence that I opened the accounts ( copies of the CD 's will be forwarded ), and has not been able to provide any evidence that the accounts were paid or closed. The desired resolution is the redemption of the XXXX CD 's including accumulated interest for the years XXXX. I have tried repeatedly to resolve this issue and must now turn to the CFPB for help. 
The Cd # s are XXXX and XXXX. 
My information is : XXXX, NY XXXX. 
Email XXXX Phone XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C section 602 A, 15 U.S.C 1681 604 section 2, 15 U.S.C 1681c and 15 U.S.C 1681S-2 1. XXXX XXXX # XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

{$1600.00} was removed from my checking account with XXXX Bank in error, on XX/XX/XXXX. On XX/XX/XXXX I notified LoanCare Servicing, and provided documentation that the payment had cleared. As a side note, my mortage payment due for that month was XXXX, so I have no idea where the amount taken was coming from. On XX/XX/XXXX the mortgage payment from the correct checking account with XXXX was posted at LoanCare. Meaning duplicate payment was made. I 've attempted to have funds returned to the XXXX account since XX/XX/XXXX, have called 5 times, XX/XX/XXXX, XX/XX/XXXX - at which point the issue was 'escalated ' by them, XX/XX/XXXX - at which point I was told I had n't given enough time after escalation on the XXXX and the first week I had already given them did n't count, XX/XX/XXXX - at which point I was told that I should expect the funds returned by XX/XX/XXXX, XX/XX/XXXX - where I was told they did n't know why it had n't been done yet, but that they would 'priority escalate ' and it would be looked at in a couple hours, and again on XX/XX/XXXX - to be told that I would need to wait an additional 48 hours for the 'priority escalation ' to be looked at, and they were n't sure why I was told it would be a few hours. It 's become clear that 'escalation ' is just a tactic to buy additional time and get me off the phone, and they have no intention of returning the funds removed without my permission. I filed a case through XXXX bank on XX/XX/XXXX, to try to recoup the funds that way. Additionally I have received no correspondence at all on this issue from LoanCare, the only communication has been initiated by me. I have spoken with the following LoanCare representatives ; they provide their agent # s at the beginning of calls : XXXX.
Product: Debt collection

According to a credit report I received on XX/XX/2020, Financial Commonwealth Systems,  address listed as XXXX XXXX XXXX, XXXX XXXX, PA XXXX, phone listed as ( XXXX ) XXXX has falsely reported that I missed payments and am now in collections. 

I am unaware of any outstanding or unpaid debts to this creditor. I have not been notified in writing or by phone of any late or returned payments. I have been making regular payments to XXXX XXXX XXXXXXXX XXXX XXXXXXXX since the account was opened. It appears as though Financial Commonwealth Systems has assumed the account but I never received notification or request to change payment address to this new assignee. 

I am unaware of Financial Commonwealth Systems and I did not open an account with this agency on XX/XX/2020, as reported on my XX/XX/2020 XXXX  Credit Report. 

I have sent written notice to this agency demanding they amend the credit report and have also filed a dispute with XXXX. 

Account # with the prior creditor ( " XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ) is listed as XXXX. 

I have received no written notices from Financial Commonwealth Systems regarding late or missed payments.
Product: Debt collection

I have a loan with Upgrade. I made my payment on the due date XX/XX/XXXX. The payment was above the regular payment amount. Upgrade insists that I am past due. However, when I made the payment, their user platform does not distinguish between a regular payment versus a principal payment. So, I entered the amount along with additional funds. They continue to argue with me. I have screenshots, there are call recordings ( XX/XX/XXXX @ XXXX PM XXXX ), and I have emails demonstrating my efforts to correct the matter. To no avail, have they not corrected the payment application and I continue to show past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my rights have been violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Product: Mortgage

On XX/XX/XXXX we started an application to AmeriSave Mortgage Corp, which agreed to provide a re-financing mortgage, loan number XXXX, for {$190000.00} for 30 years, at a fixed rate of 2.125 %. In a XX/XX/XXXX, email from sales manager XXXX XXXX to us, AmeriSave agreed to lock that rate. On XXXX XXXX, AmeriSave changed the rate to 2.25 %. We requested 2.125 ; they repeatedly said the rate would be 2.125 %, but at closing the rate was 2.25 %, which we signed under protest. 

We believe the facts are not in dispute. We and AmeriSave both have the original and as-signed loan documents as well as the correspondence between XXXX XXXX and us.
Product: Credit card

I had a good relationship with this credit card company, however I changed bank accounts and must have entered in the wrong checking account number and I would make a payment and a few of them got returned I called and they never gave me any indication as to what was the issue was. I found the issue paid off the balance and then they closed my account mind you I paid for every return fee and the balance of the card. They have since continued to charge me a {$15.00} account maintenance fee for an account they closed.
Product: Mortgage

I made a complaint. You told me to give the company a chance to fix the problem. 
I received a request for me to sign a second mortgage on my house. A house I have had for 15 months. I only took nine months forbearance. All I should owe is the escrow. XXXX at the most. They are saying I have to sign second mortgage for XXXX or lose my home. How this is a scam! 
I need help. I have a lawyer, but the phone numbers are changed. I can not afford to pay a whole lot of money. Help me get my mortgage straightened out. PLEASE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines and I'm demanding that they be removed or it is your duty to provide me with physical documentation as oppose to the accounts being electronically verified. As a general rule of law electronic Verification can not be accepted as proof. In accordance with Section 611 and the FCRA I'm requesting the following accounts to be removed immediately from my credit file. 
1 ) XXXX {$72.00} 2 ) XXXX  {$71.00} 3 ) XXXX XXXX {$130.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX  XXXX {$680.00} 6 ) XXXX  XXXX XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX {$350.00} 9 ) XXXX XXXX XXXX {$5700.00} 10 ) US Dept Of Education {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying to dispute this account with XXXX for a couple of months now, i tried to get information from XXXX  but they couldnt provide me with anything and the company calling me isnt the original creditor and couldnt provide me with any information on this account. I called the XXXX  and they were unable to help me everyone is giving me the run around. i have no relationship with XXXX  and never agreed to this alleged debt. this account with XXXX is a result of fraud please cease any attempt to collect this debt and please remove it from my credit report it is causing me extreme stress when they call me about an alleged debt that i did not agree to pay. please remove me from any call systems and please stop all attempts to collect on this fraudulent account.
Product: Debt collection

I sent a certified letter to loan company Republic finance XXXX SC and asked them to not contact myself or my father regarding his acct. last month I called to ensure they got it and manager XXXX states they did. My father has XXXX and XXXX   causes his XXXX XXXX go up and he gets sicker. I received another certified letter from them today about what is due on his account. They are harassing us and this has to stop.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : New Complaint and Evidence** This is not a duplicate complaint. 

I, XXXX XXXX, disputed and called the creditor to demand the closure of the following account well before this creditor was allowed to update my credit report on XX/XX/XXXX, including on XXXX, XXXX, XXXX and XXXX XXXX XXXX Fraud XXXX XXXX XXXX id XXXX # XXXX Case id XXXX  # XXXX. 

I have discovered new information indicating that this creditor pulled my credit at least 30 times without my consent, significantly lowering my score. Additionally, there are discrepancies regarding the account status. This account was " closed by the consumer '' due to fraud, not by the grantor. An identity theft report has been filed naming this creditor. 

This account needs to be deleted, and my scores need to be raised to the XXXX. 

Account Details : - Creditor : XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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*TransUnion Consumer Solutions** XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Unauthorized Account Request for Validation Account in Question : XXXX XXXX Account # XXXX, Opened XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute an account that has been reported on my credit file with both XXXX and TransUnion : - **Account Name/Number : XXXX XXXX XXXX / # XXXX - **Date Opened : ** XX/XX/XXXX I do not recall authorizing the opening of this account and request that both XXXX and TransUnion provide the following documentation : 1. A copy of the **original contract** that bears my **original signature** authorizing the account. 
2. If this documentation can not be provided, I do not consent to the use of the e-OSCAR system for this dispute. Under the **Fair Credit Reporting Act ( FCRA ) **, I am entitled to a full and thorough investigation of this account. 

If you are unable to produce the requested documents, I request that this account be deleted from my credit file immediately. Failure to do so would be in violation of the FCRA, and both credit reporting agencies may be subject to fines of {$1000.00} per violation. 

Please confirm in writing that this account has been either validated or removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX has already removed thiis account
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan In the amount of {$500.00} from this company I have been under financial hardship and was unable to make the first payment Before the next payment my employer received a notice of demand And a voluntary wage assignment form And a voluntary wage assignment form That stated I executed the form which I did not it gave a bogus IP address The copy of the wage assignment that was sent was dated XXXX XXXXIt states that electronically signed it I tried to get onto the websiteRead the original loan agreement it will not let me on the website I have XXXX copy of the original loan agreementThe amount that they say I owe now is {$730.00} A third party debt collectorXXXX XXXX is you sent the notice of demandOn XX/XX/XXXX I sent a notice Of revocation of wage assignment a cease and dissit to XXXX XXXX and crane finance they received documents they sent a wage assignment release. Today monday they are calling my phone texting me and sending emails saying they are taking XXXX out of my account. They acknowledged receiving the revocation of wages assignment. The cease desist notice was send with the revocation I spoke with an attorney the attorney advised me that this loan is an illegal loan. These are predatory lenders. This was a tribal loan
Product: Credit card or prepaid card

I have been with Capital one for at least 15 years. I have never made a late payment. They put a hold on my account. I have a XXXX balance as of today. For no reason they will discuss, they are asking me to provide a copy of my Florida drivers license before they will allow me to use the card again. They did the same thing several months ago and i reluctantly did so because I do not like sending that information over the XXXX to anyone who calls me or asks me in a letter to do so. When they took over XXXX XXXX credit card system, they asked me to do the same. I refused and destroyed the card. 
I believe this is a case of age discrimination ( I am XXXX years old ) or because I do not keep a balance and pay them much interest.
Product: Mortgage

I'm not sure if you can help me : My house flooded from the XXXX XXXX on XX/XX/year>. I have Flood Insurance. The Flood insurance company has paid the claim, {$110000.00}. However, I was required to send the check to my mortgage company, FREEDOM MORTGAGE, because they have an interest in the property.

I was told FEMA required them to deposit the funds into an escrow account and distribute the funds to me after each phase of the work.

I have secured the first step of restoration, the mitigation, submitted the invoice to the mortgage company, but they refuse to pay. Each time I call, I am being given a task to complete, and then after fulfilling it, I am told it will be processed in
8-10 business days I have secured a contractor to restore the property but the mortgage company refuse to send the funds for their 1st draw. Each time I call, I am being given a task to complete, and then after fulfilling it, I am told it will be processed in 8-10 business days They are holding my funds hostage and there appears nothing i can do about it.

I have reached out to the CEO of Freedom Mortgage, XXXX XXXX, with no response. They will not allow me to speak to any supervisor at Freedom Mortgage. 

I am a XXXX XXXX XXXX XXXX paying a mortgage, rent where I am currently living, and a storage unit for the items I was able to salvage. My mortgage is current and has been for the past 18 years with not issues. This delay is causing emotional frustration and a financial burden.

I feel this mortgage company is trying to force me to lose my home. I desperately need help and/or direction to resolve my problem.