23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a XXXX time offer with a unrealistic date basically XXXX days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector.
Product: Mortgage

I have been affected by covid-19 and have additional health problems because of covid -19. Requested mortgage assistance with PHH Mortgage again they are not helping me stop the foreclosure sale date to keep my home. I have faxed my financial and paper work for mortgage help.Talked with several PHH customer service reps and they have not been able to help me. I don't want to lose my home.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion accused me of using a credit repair company and refused to correct the incorrect data off my credit report which is a clear violation of 15 U.S. Code 1681i.
Product: Debt collection

Thats not a full and complete investigation. You didnt addressed my complaint if you look at my credit report it shows that in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I made payments on this car that information is falsified. Show me my  payment history. They made {$1.00} payments to keep this automobile in statue. I dont know what I owe. I dont think I owe anything. Ive been given several different amounts and it was XXXX then it was XXXX and now its reflecting as XXXX on my XXXX. I have not made any payments since XXXX or XXXX the car was sold to me as a total out vehicle. Check and see wasnt that car totaled by checking the VIN # and youll find out that XXXX XXXX was paid by Insurance Company and Westlake. They should go after them. I spent over 5,000.00 in repairs on this car only to find out they shouldnt have never sold me that vehicle. On top of that Westlake is also shady they have been making payments on this account as though I was making them. Please investigate this to the fullest and you get to the bottom of the truth. I could have sent you those same papers but thats not what I owe, like I said if you look further you will find deceit on XXXX XXXX behalf and Westlake Financial.  Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Mortgage

On XX/XX/2019 I requested a fax of the mortgage pay off amount with XXXX Nationstar Mortgage LLC a subserved for XXXX. See attached. I received a fax and the information for the pay off amount through XX/XX/2019 was {$57000.00}. 
XXXX with bill pay my mortgage payment comes out automatically each month. I've never had a check returned. XXXX makes sure I have the funds when they send the automatic check. I had extra money I wanted to apply so I requested a XXXX bill pay send a check to Nationstar Mortage as normally sent and the check was sent on XX/XX/2019. See attached. It was for {$49000.00}. 
Wednesday, XX/XX/XXXX, I received a voice mail from XXXX asking me to call them at XXXX. When I was off work I called and was told the check for {$49000.00} was returned because the pay off was less than the fax sent me which stated {$57000.00} pay off. I was told the pay off was just over {$50000.00} so they returned the check. 
I became angry because it appears to be that someone didn't do their job. I was called once with a voice mail and called back and told the check had already been returned. When speaking to the employees, the last being XXXX at executive resolution team this XXXX  XX/XX/XXXX, they used statements like " from our perspective '' and " we thought ''. I kept asking where it was written than I could not send a check for this amount. 
Please, see attachments to understand my confusion and anger.
Product: Vehicle loan or lease

This complaint is related to GM Financial XXXX, address XXXX XXXX XXXX XXXX TX, XXXX. GM Financial is overcharging and passing on unfair charges to its consumers. 

This unfair charge is called the " Disposition fee. '' After collecting the payoff amount in full, taking the lease vehicle back, charging for excess wear and use charge, GM still charges the consumer a " disposition fee '' so they can prepare and sell the vehicle. After the consumer returns the vehicle to its owner, the owner is charging the consumer to sell the vehicle via an auction. In other words, the consumer is responsible for a fee, so the owner does not have to absorb the cost.

Even after purchasing and leasing the third GM vehicle, this has not come up before, because " The Deposition Fee '' was waived for purchasing or leasing another GM vehicle. However, the " Disposition Fee '' is not waived if the consumer does not purchase or lease another vehicle from the same company. In other words, the consumer is penalized for not purchasing or leasing another GM vehicle for any reason, i.e. the consumer does not want to purchase or lease another vehicle, the consumer can not afford to purchase or lease another vehicle, etc.

Finally, even after executing three purchasing transactions with GMC, we have not been aware of the " Disposition Fee ' because it has not been explained or pointed out appropriately in each lease agreement. It has not explained either the " Disposition Fee '' is a kind of fee that is subject to additional taxes which resulted in an additional {$40.00} charge. 

Thank you
Product: Mortgage

During this Covid-19 pandemic a better plan needs to be implemented to assist homeowner in this trying time. 

A Loan Forbearance DOES NOT HELP!!! 

A loan DEFERMENT is the very best solution!!! 

How can the mortgage companies expect you to make full restitution after the forbearance period when you have not been working a do not have the funds accumulating to pay the account. This is another indifferent application by the mortgage companies to give false hope to the homeowner. Please stop the mortgage companies from implementing this practice or option. 

A deferment helps everyone involved. The banks get their money at a different time and the consumer gets the proper relief needed to get back on their feet. 

Please give this dire situation all the attention it needs Many Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am beyond annoyed this will be my second complaint I have submitted about my reports not reporting 100 percent accurate I know these errors are FCRA violations. I don't want to have to file and take this matter to the next level. I asked for proof of debt and after 90 days I have heard nothing from anyone. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$360.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.

The following accounts are errors : 1. XXXX XXXX Open Date : XXXX  2. XXXX XXXX Open Date : XX/XX/ 3. XXXX XXXX XXXX  Open Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute to remove a address from my consumer credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX and XXXX have remove the address from my consumer credit report. 

I have a right to a accurate comsumer credit report under the fair credit reporting act 15 U. S code 1681.
Product: Checking or savings account

My account was highjacked and I had XXXX stolen from my checking account. My cellphone along with my debit cards were taken and used in tandem to access my accounts and money was transferred from my checking account into my credit builder account were the money was then accessed.. I did not have a debit card for my checking at the time and the only way to access the money was to transfer it into my credit builder account. I have made a police report and submitted statements from friends and family. Chime claims no error was made. I've tried contacting the merchants as well with no success. Each told me to work with my bank to receive a refund...
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed Chapter XXXX bankruptcy. 
XX/XX/XXXX I received a Discharge Of Debtor ( s ) XX/XX/XXXX Chase Credit Card and XXXX XXXX both companies put on my credit : Date of status XX/XX/XXXX, Debt included in Chapter XXXX Bankruptcy on XX/XX/XXXX. Which is correct. 

Beginning of XX/XX/XXXX I applied for a line of credit through my bank. I was denied due to XXXX delinquencies within the last three months, Chase Card & XXXX XXXX XXXX. 

Chase Card & XXXX XXXX XXXX Both companies updated my Bankruptcy to XX/XX/XXXX, so now when creditors look at my report it looks like my debt was recent. Please Help
Product: Credit card or prepaid card

I have a Barclays Banana Republic Credit Card Immediately after receiving my XXXX statement I notified them in writing that the charges made were not authorized by me. I sent the letter to the address on the back of the statement that was specified for disputes. My letter was dated XX/XX/2023 and the amount of charges {$470.00}. I have never received a response or resolution. 

My XXXX statement arrived with no adjustments for the unauthorized charges and included an additional {$490.00} in charges. I again sent a dispute letter to the address listed for disputes on the back of the card statement. My letter was dated XX/XX/2023 and included my XXXX dispute letter as well. 

My XXXX statement arrived with no adjustments for the continued unauthorized charges and included an additional {$92.00} in charges. My dispute letter that included all previous correspondence was mailed out on XX/XX/2023. 

I have now sent a certified letter to the address on the back of the card for dispute resolution with all disputes and all past correspondence. This letter was mailed XX/XX/2023 and can not be delivered to the address. 

I have called Barclays multiple times and have documentation of the time spent and day/time called. I can not get anyone to assist me and have been disconnected numerous times. I have also tried logging in to the account online to submit a complaint and contact and the features that allow you to do so are not working. 

I need assistance and would like to know my recourse for such a blatant disregard and for fans information being allowed on billing statements.
Product: Student loan

On XX/XX/XXXX emailed the federal ombudsman 's office regarding my previous complaint on case # XXXX and I attached documents ( I have uploaded again here ) outlining my position. I do not know if that was received so I am returning to this site since it is where I initiated my case. 
Here is what I wrote regarding a response I received from FedLoan Serving : I would like my case reopened because the written response from FedLoan Servicing did not actually address the issue I have repeatedly raised. That issue is that if all of my loan payments are totaled, then in XX/XX/XXXX I made the 121st payment on my final 2 loans and the 122nd payment XX/XX/XXXX. I want those payments refunded because XXXX requires 120 payments. Attached is a letter outlining my position, along with the FedLoan response letter, their partial count of payments made after XX/XX/XXXX and a complete list provided me XX/XX/XXXX by a XXXX XXXX. Combining the lists and counting each payment I made on sequences 4 and 5 beginning XX/XX/XXXX shows that I made 120 payments so anything beyond that should be refunded. Multiple times FedLoan servicing has responded to my requests by giving me information that does not directly address the issue of the total number of loan payments. 

Again, please re-open my case and request that FedLoan Servicing directly address the issue that I have raised.
Product: Mortgage

We applied for a refinance with cash out from USAA mortgage. I am a 24 year Veteran and assumed USAA was true to its word about working with Military members and families. This turned out not to be the case whatsoever. We prequalified for the refinance and cash out value. Our processor said there should be no problem based on all our information : FICO score, small debt, very good income and equity in the house based on appraisal they received. However, they continued to ask for information they already received, and it got harder and harder to get correct information from them. Could n't get in touch with our processor many times. Phone messages went unreturned. She started giving us excuses that it was stuck here or there. They started playing games with us. Then, she told us it finally went to Title, but then when it was taking weeks and weeks, we wanted an explanation and she said the Title Company could n't find the information they needed on our county assessors website, which by the way, had been sitting on that site for weeks, so they told an outright lie. They sent us the Closing Disclosure with a closing date and a disbursement date. Then a closing document was sent to us with everything laid out for us to see, and the final papers would be sent after we reviewed everything with them. We called our processor and told her we received that document. She seemed stunned and told us to disregard that document and not to contact the name of the person who sent it. More weeks of stalling went by, when we finally called and told them WE WERE CANCELLING THE ENTIRE thing. We pulled out to go with a more reputable, trustworthy company. About a week and a half later, we received a Notice of Action Taken letter from them, informing us that they denied our refinance request based on " Value or type of collateral not sufficient. '' That document was altered from the one they originally sent us in the beginning, because we had to change the amount of the refinance from {$280000.00} to {$270000.00}, for which they said they would refinance us. 
This is such a joke! They did not deny us! We pulled out on them because of their unprofessionalism, their lying and their unscrupulous business tactics! If anyone wants to go on their website and look at all the complaints as well as other complaint sites regarding USAA, you will see the enormity of their problems which they are unwilling to address or fix. All this at the expense of Military members, XXXX XXXX and retired, that have already been through enough, then receive treatment like this from a company that puts themselves out there as some wonderful entity there for the Military. That is an inexcusable ploy and marketing tool to use, based on what is really going on. Do n't believe me? Read ALL the complaints! My complaint is completely true and would be willing to back it up with a polygraph. We request them to change the notice listed on your form, because it is a lie! and they will be responsible for any damage to our credit or financial dealings.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Credit Technologies reported a hard inquiry on all three credit bureaus without my consent. I have contacted Credit Technologies and was directed to contact the credit bureaus to dispute the inquiry. I sent a letter via certified mail to all three consumer credit bureaus asking to delete the inquiry more than 45 days ago without a successful outcome. I called all three credit bureaus after an unsuccessful deletion of the account and was directed to fill out and submit a CFPB report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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

I have been attempting to get a mortgage refinance since XXXX. I believe the system has treated unfairly. My credit score was a XXXX in XXXX of this year and I owed XXXX in debt. Now I don ; t owe anywhere near that I am still being harassed. As soon as I clean up one thing the XXXX  put more on. 

I have all you can see many complaints and I am tired of complaining! All it does it hurts my credit score. Whats Fair about that? 

I had planned on purchasing a automobile after I refinanced my house but the bureaus want to control when you even do that, XXXX XXXX XXXX XXXXXXXX XXXX XXXX My credit usage depends on what is going on in my XXXX XXXX XXXX But no bureaus won't report the true activity. In this case I sold a property and have to relocate the contents of the home elsewhere. Hence, HIGH USAGE ON MY PERSONAL CARD WHICH IS REALLY USED FOR BUSINESSS! 

The house has sold and so with the proceeds I will pay the bill in full. I guarantee you if I look at my report someone will have reduced my credit limit for no reason except the but hole creditors made it appear unusual. What's Fair about that. 

I applied for a Auto Loan and got approved first for XXXX at XXXX XXXX XXXX  then got quoted XXXX XXXX interest XXXX XXXX XXXX and the last time XXXX XXXX for XXXX XXXX XXXX. Whats Fair About that? Same Accounts different bureaus
Product: Debt collection

Was called on my cell phone stating they had paperwork in order too sue on their desk. Also has called my phone 24 hrs later asking for my husband. I spoke to them on the phone stating that i did not know anything about this and I refused to give them anymore information. The person said then we will sue you.They also are claiming to sue my husband. It is my understanding that I am to be notified in mail if there is a pending suit, not by phone.
Product: Credit card or prepaid card

On XX/XX/2019 my secured credit card was closed unknowingly to my knowledge. My credit card was only behind 2 months. This is a card that I use for everything that a credit card is required for. I was without a job and I called them last month in XXXX and informed them that I am aware that my payment is behind but I have great news I am starting a job soon and will be able to pay my card bill. My secured credit card amount is only {$400.00} and they closed my account after 2 months of missed payment. My card is with Citibank XXXX XXXX XXXX Credit Card. Note, XXXX also accepted my payment and I was not aware that they closed my account. I think that this is unfair and I really need this card. I am trying to maintain my credit and this sets my credit back, big time! Could you please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this letter as my dispute of late payments reported by Nelnet. I have had consolidated student loans with Nelnet since XXXX, XXXX. I have attached my payment history. ( See Exhibit 1, payment history ) Since that time I have made one payment to Nelnet for what I believed to be a consolidated loan. Each statement from Nelnet indicates one account and the balance. ( See Exhibit 2, Statement ). 
As you can see I paid for more than 18 years on a timely basis. In XXXX, I took advantage of a forbearance available due to the pandemic. I misunderstood when the payments would begin to become due again, and was late on payments in XXXX, XXXX and XX/XX/XXXX. As soon as I became aware of the late payments, I immediately begin the automatic payments I had paid for the 18 years prior. I have asked Nelnet multiple times to consider a good will deletion of the late payments and they have refused. 
Nelnet has inaccurately reported the type of loan and account number of this consolidated loan as two individual loans with different loan account numbers than what appears on my statement. This has created a decrease of over 87 points to my credit score. I have suffered damages that exceed over {$30000.00} a year, as my husband and I were not able to refinance our home when interest rates where favorable because of the inaccurate reporting. I believe Nelnets reporting to be incorrect and in violation of the FCRPA, as the late payments should have been reported as one account as stated on their monthly statements to me. In addition, the scheduled payment of {$220.00} is incorrect as well. 
I would appreciate it if you would investigate this matter and delete or correct the disputed items as soon as possible.
Product: Mortgage

My mortgage servicer recently changed from XXXX XXXX to Selene Finance. I have requested a mortgage modification to bring my mortgage current because when my mortgage servicer changed from XXXX to Selene Finance, XXXX didn't forward my mortgage payments that were debited from my account to Selene Finance. This has caused me to become delinquent with my mortgage.Selene has been difficult to work with. I don't want to loose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting incorrect birthdate, phone numbers, addresses, and employment to Transunion and XXXX. I've sent several proof of my identity, phone number, and address. XXXX and Transunion refuse to correct incorrect information on my credit report.