23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our family has been impacted by Covid 19. My husband 's company is in the hospitality industry and I lost one of my two jobs significantly impacting our ability to pay our mortgage. We have been in constant communication with the mortgage company the whole time. Initially our loan was placed in forbearance. During the forbearance period we communicated with several representatives of the lending company in order to work out what the next steps would be. We repeatedly spoke with them asking for assistance and tried to make sure that we would not be put into a situation in which we would have to pay a balloon payment at the end of the forbearance period or be forced into a repayment plan that was unaffordable. We were assured multiple times that this would not be the case, conversations that we recorded. At the end of the forbearance we reached out again order to come up with a sensible repayment plan. After the forbearance expired ( according to the lender ) we were asked to pay $ XXXX for XXXX, XXXX, and XX/XX/XXXX respectively. As of XX/XX/XXXX we resumed our contact with the lender. We were told to submit documents in order to apply for mortgage assistance or a possible trial modification, which were some of the options that were presented to us before we were told to make the {$1000.00} payments. As we supplied the requested documentation, we kept getting in touch with the lender only to find out that the documents were not being processed in a timely manner, and the lender was " dragging their feet '' coming up with a solution for us, while starting to make threatening calls requesting us to pay the balloon or in the end offering us a repayment plan in which we would have to pay our current mortgage amount as well as satisfy the balloon debt within a year. This payment plan is not a sensible mortgage assistance program and is not showing that the lender is trying to offer any real support to it's borrowers during these trying times. We would be very happy with a loan modification in which the balloon payment would be placed at the end of the loan and the interest rate would be reduced. Apparently, even though initially that option was offered by the lender, it is no longer available. We are willing to make significant payments to our mortgage in good faith. Our lender is acting in bad faith, only offering options that they know are not feasible given our financial circumstances.
Product: Debt collection

on my XXXX credit report.i have disputed collection charge its my son they want investigate my dispute. so, i call both company and they tell me its my son account they keep leaving it on my credit report its under his social number they want take it off.and their is a creditor, i pay every month this on and they have no data for XXXX months or more they are not treating me fairly its like they can do whatever they want they in charge.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was denied opening checking account and cashing checks due to check systems reporting an account I have no knowledge of in my name with XXXX XXXX
Product: Mortgage

During the month of XXXX 2015, I made multiple payments XXXX using electronic bill pay XXXX on my existing mortgage with Wells Fargo Bank in the amount of {$880.00} and {$1700.00} for a total of {$2600.00}. The total monthly amount due for the XXXX mortgage was {$1600.00}. Once I noticed the over payment, I called Wells Fargo on XXXX XXXX and spoke with a supervisor ( XXXX XXXX ) to inform him that I overpaid on my account and that I wanted the credit in the amount of {$950.00} returned to me. I gave XXXX XXXX my XXXX XXXX XXXX account number and routing number. He assured me that he was going to open a work order to have the funds returned to my account. I waited 5 business days and called Wells Fargo on XXXX XXXX and spoke with another supervisor in customer service ( XXXX ), and she informed me that Wells Fargo could not return the {$950.00} ( that they fully admit is a credit ) to me because their accounting system would only allow them to return the full amount ( {$1700.00} ) that was paid on XXXX XXXX. Upon hearing the explanation from the supervisor, I told her that I was not a person of enormous means and that I would accept a paper refund check in the mail from Wells Fargo instead of an electronic deposit to my account. XXXX told me that Wells Fargo would not send a paper refund check due to their accounting system. I ended the conversation by informing the supervisor that I would file a complaint with CFPB.
Product: Debt or credit management

Paid off my bills in XXXX payments to this company. I was never mailed the confirmation that my balances was paid like they told me they do after payment. I have the pictures from emails/bank statements The amount never left my credit report as well like promised. It still says I owe which I dont. Paid XXXX payment in XXXX and XXXX in XXXX should be off my account by now.
Product: Credit card or prepaid card

Chase charged me a {$25.00} late fee for a bill I NEVER got that wasn't due until XX/XX/2021. Everybody knows the mail in XXXX was slower than normal because of problems with the USPS so the late fee was absolutely ridiculous! Then I got a bill due XX/XX/2021 for {$5.00} in interest charges even though I MADE NO PURCHASES!!!!! These people are clearly running an illegal scam and owe me {$30.00}!!! I will NEVER use this credit card again and I expect there will be NO MORE CHARGES!!!!
Product: Credit reporting or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Debt collection

First Continental and XXXXXXXX XXXX sold XXXX XXXX fraud, corrupted and scandal VA Loan to XXXX XXXX to collect and foreclose my home. 
In which on XX/XX/XXXX till present VA Loan is a fraud in which First Continental was notified and they still accepted the fraud, Scandal and corrupted VA Loan from XXXXXXXX XXXX of Texas on XX/XX/XXXX. 

First XXXX XXXX investors is trying to collect {$260000.00} from me, because Texas collection Laws defends and supports billionaires lenders like XXXX XXXX. 

If lender wants to settle and get the house back, they can just provide me what I have stated on various file complaints. 
XXXX XXXX, XXXX XXXX builders, First Continental Mortgage and now new Va lender XXXX XXXX XXXX are are Discriminating, Retaliating and Harrassing me because of my Military Veteran and XXXX status. 
I am XXXX, Retired .Divorced since XXXX and I leave alone in my home since XX/XX/XXXX till Present.
Product: Student loan

I have already attempted to resolve my issues with Navient and this is my second complaint to you. I wanted to bring some new information to your attention after my own investigation. First off Navient has stated that I consolidated loans in 1997. I have no knowledge of such a thing. Apparently they redid my loan and raised the interest rate and of course more fees. This apparent consolidation loan would have been no benefit to me what so ever. Another I did is get on the student aid website, to try to dig some more into this. My original loan balance should have been {$5800.00} instead of {$8400.00}. I couldn't quite figure that part out. My pell grant never got all applied because somewhere along the line someone put down, a withdrawn status. Well I GRADUATED, it still has a withdrawn status on the website. I should not be having to go through all of this to try to figure this out. This is my last attempt with Navient and XXXX XXXX to figure out who dropped the ball! I will be getting an attorney and let him/her figure out who in the XXXX is at fault! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX & XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I am writing to formally address a persistent issue following the closure and payment in full of my American Express Gold card in XXXX XXXX Despite the closure of the account, I have been continuously receiving unwarranted calls and encountering erroneous charges purportedly associated with usage fees on a card that was formally canceled and closed. 

I have diligently engaged in multiple discussions with representatives, all of whom assured me that the erroneous charges would be rectified and confirmed the closure of the aforementioned card. Regrettably, these efforts have not led to the cessation of these unwarranted communications and charges. 

This situation has become increasingly burdensome and has caused significant inconvenience. I am compelled to express my deep dissatisfaction with the ongoing nature of these issues, despite my repeated attempts to resolve them. 

I kindly request an immediate and definitive resolution to this matter. Additionally, I seek assurance that no further charges will be levied on an account that has been officially closed and settled. 

Please treat this matter with urgency and provide me with a comprehensive resolution within a reasonable timeframe. I appreciate your prompt attention and cooperation in addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed over three years ago in XXXX, however, the company just recently on, XX/XX/XXXX, reported on my XXXX  credit report that I had a late payment in XX/XX/XXXX, which is not possible since the account has been closed for more than three years. This information is incorrect and inaccurate should be removed from any and all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report this account is hurting my ability to obtain credit. 

XXXX XXXX XXXX Account # XXXX
Product: Credit card

I was charged for a purchase from XXXX that I did not make. 

After receiving many email solicitations fom XXXX, sometimes several in one day, I contacted them and asked them to stop. After that, I received an invoice from them by email. I did not subscribe to their service. I have never used their service.. After their charge appeared on my card bill, I contacted American Express and told them this. They said they would look into it. About a week ago, they sent me a letter saying the dispute had been resolved in my favor. But yesterday I received a letter saying thy were making the charge!
Product: Credit card or prepaid card

My bluebird card locked on me on the XXXX of XX/XX/2020 I been trying to get a hold of customer service the corporate office anybody associated with bluebird I havent got a hold of anybody its going on 3 days all my money is on that card I cant get gas I cant buy me and my kids food Im disgusted and I want to unlock my card get my money off of th card and close tha account for good
Product: Checking or savings account

Capital One has bene having an issue with ACH payroll deposits since Wednesday XXXX/XXXX/2025. I do not see my payroll deposit and I was locked out of my account after being told to monitor the account. I have now been on hold for over an hour. This is absurd! XXXX  days of this!!!!
Product: Mortgage

Attempting to pay the mortgage in full and servicer is charging a penalty. 

Closing disclosure ( attached ) says there is no pre-payment penalty. 

Servicer is now telling me that the fee is a 'cost reimbursement fee ' if I pay the loan off before a certain date.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOFT credit card customer. New credit card was issued ( I did not request this new card, I think the provider changed ). I used the card in XXXX, spent {$40.00}, but my auto payment was stopped ( without my knowledge ) and then no statement sent until XXXX. I was thus 3 months late in payment as I expected auto pay to resume, and had received no statement. Once I realized this in XXXX, I paid. However my 3 month delay was reported to credit agencies and my score dropped over XXXX points. I am trying to purchase a home with my husband l, and this is a huge issue for us and costing us thousands due to my low score. Repeated attempts have been made and no one from the bank servicer can help die to internal policies, but clearly there could be something done for a good will adjustment. 

The company tried to call me in XXXX to let me know of the late payment, but every time I picked up, no one answered so I assumed it was spam. I had to call myself to see what the issue was.
Product: Debt collection

Hi, Jefferson Capital Systems , LLC- has violated my rights. They have place a debt of {$350.00} collection notice on my credit report which is hurting my consumer credit report. I have requested from them via phone and certified mail to send me the Original Purchase Agreement for this Alleged Debt. The original purchase agreement which should have all the terms and conditions that are in this debt. They never provide the requested information. They never responded. Jefferson Capital Systems , LLC can not provide proof that I owe this debt of {$350.00} and that they are now owner of this debt. They have harassed me over and over they have called me repetitively via phone calls from morning until night. This is very stressful and hurt me mentally, it hindering me and my family financially because its on my consumer credit report. In accordance with the Fair Credit Reporting act Jefferson Capital Systems , LLC violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Jefferson Capital Systems , LLC as 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX XXXX and XXXX are not my accounts. I have disputed them multiple times in the last year. 
The XXXX account was opened with out my permission and I have contacted XXXX about this and they agreed to remove it and notify the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am a natural living person. ( Please see attach court document ) The credit bureaus have been reporting false, inaccurate credit reporting dollar amount on my account. The two XXXX XXXX accounts listed below are court agreed amount. The credit bureaus amounts are in accurate and false reporting monthly on my credit report account I have reach out to them to get this changed and it still not changed. Account name : XXXX  XXXX Credit Card # Account Number XXXX XXXX this has violated my rights false dollar amount of {$2800.00} this is different from the court agreed judgement.. Account name : XXXX XXXXXXXX Credit Card # Account Number XXXX XXXX this has violated my rights false inaccurate dollar of {$3800.00} this is different from the court agreed judgement. Account name : XXXX XXXX XXXX # Account Number XXXX XXXX has violated my rights false dollar amount of {$5700.00} sitting on my credit with no proof its mine, I have called, send mail and its still no proof this account it mine and they wont remove from my account. They work with these companies to put false inaccurate information on credit report even if there is no proof.
Product: Mortgage

I qualified to participate in a deed-in-lieu with my mortgage company, Carrington. 
They proposed a XX/XX/XXXX closing to acquire my property, then cancelled. After several calls, emails over several subsequent weeks, I learn through various case workers in the short sale department that a " custodial file '' for my case can not be located just yet. There is no proactive response to me, no explanation from my caseworker XXXX XXXX, no apologies and most importantly, they can not provide me with a timeline for closing and completion. My attorney XXXX XXXX even emailed Carrington/XXXX. XXXX indicating that the process has stalled, and with no response to him. Meanwhile I am required to maintain the property and keep utilities connected, at great expense to me to keep the agreement in force. This is an incredible cost burden for me, a homeowner who is already cost-burdened to have to resort to a deed-in-lieu process to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This is the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX
Product: Debt collection

My credit report states that JEFFERSON CAPITAL LLC, is trying to collect a {$270.00} debt from me that I do not owe. I have asked this company to produce documentation showing anything that gives them reason to state that I owe a debt to them. JEFFERSON CAPITAL SYST who now parades under the name JEFFERSON CAPITAL LLC were removed in XX/XX/XXXX by all 3 Credit Agencies and came back this XX/XX/XXXX to XXXX under the name JEFFERSON CAPITAL LLC. 

It's been 30 days since I've asked for proof of their claim. They have nothing to show. 
Below you will see what I've asked for but have yet to receive. 
DEBT VALIDATION REQUEST : *The contractual obligation between the consumer and JEFFERSON CAPITAL LLC which sanctions the pursuit of the purported debt. Include any pertinent transactions that bind me/the consumer to an agreement to pay their organization.

*Agreement bearing the signature of the purported debtor, indicating the commitment to repay the original creditor.

* Full, accurate social security number that may aid in correctly identifying me as the individual subject to collection efforts, accompanied by Proof of photo identification ( e.g., Drivers license, State Identification Card, or other government issued identification ) presented at the time of debt origination. 

*Date of last activity *Complete payment history, as stipulated by the legal precedent established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. App. by line item, delineating details such as purchase date, itemized amounts, receipt of goods, and any pertinent information directly from the original creditor. 

*Documentation showing they are licensed to collect debts in Oklahoma XXXX 

JEFFERSON CAPITAL LLC A/K/A JEFFERSON CAPITAL SYST sits silent on all that's been asked, refusing to respond. I take their acquiescence as even more proof that this company is committing fraud and using credit score damaging extortion tactics to obtain money from innocent consumers who try and maintain good credit scores. This company needs to be dealt with severely and swiftly before they harm even more consumer credit scores for the sake of putting a little money in their pockets. Please help!
Product: Debt collection

Company will not provide proof of debt. Over the past 6 months i have sent in 4 letter to this company to ask for proper validation of the debt they are attempting to collect from me. I have not record of this debt. No hospital visit nor a doctors visit on that date. Last letter was sent in on XXXX XXXX. Still with no response. There are a couple of people down in my area with the same exact name with one being less than 15 miles from me. I wanted to get the proper information that this is me. Now its affecting my credit and this company wont respond. 

They responded to my first complaint saying they had no clue who i am and at the same time responding to a BBB complaint that they know who i am and they just have n't received the letters. A lot of deceptive practices from this company. 

( We have located an account in our system that matches by her name and phone number on her complaint. From the BBB ) I  have sent letter to these addresses listed on your website and my credit report Corporate Address XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Operations Center XXXX XXXX XXXX XXXX XXXX, TN XXXX I am even going to provide the account number listed on my credit report