23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We attempted to buy a home underneath the minimum timeframe from foreclosure in order to qualify for a conventional XXXX loan. We had been renting for over 2 years and finally had the reserves to try to become homeowners again. We learned of the possibility of a private investor option due to our high income, exceptional credit score, and available cash. We attempted to go this route with dire consequences. 
The details of the case follow below in format of the letter written to the company on the day of the 4th and final scheduled closing. We contend that displeasure with this letter led to a final denial of the loan. This was a disastrous event for our family, as we had no home to live in for over 2 weeks while also being saddled with excess and unexpected moving and storage expenses. It was traumatic and unnecessary. Upon reflection of the situation and wondering how the loan could have been denied with such speed ( finally ) on that very day, I realized that my gmail account contains a photo, which would have shown up with the email. I am an XXXX, my husband an XXXX and we have XXXX. Implicit bias is a real problem in America. This kind of racism is worse than the display of derogatory words as graffiti in a neighborhood. 
Whether or not this is found to be racially motivated, it is definitely unethical at best. 
We wish to call attention to this private & unregulated money industry that is beginning to invade a real estate market still vulnerable from the wounds suffered by the regulated mortgage industry. This company overpromised and when signs of incompetence began to surface and questions begin to be raised, they under delivered, using the excuse of **loan conditions apply. There has to be a limit to when these companies can pull the rug out from underneath American families. This was not a business deal gone wrong, it was the livelihood of XXXX adults and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent Experian a letter by certified mail to remove XXXX inaccurate addresses that's currently reporting in my Experian credit file. Experian also disregard my request to send me credit reports to my physical address once an account is updated or a credit report is requested to be sent out.
Product: Debt collection

On XXXX XXXX, 2017, caller " XXXX '' from J & L Teamworks of XXXX California ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) called my father and informed them that I had a medical debt. I believe this violated section 808 ( b ). In addition, they did not notify me first of any debts associated with my account. They did not call me first. 

I believe the remlevent provision is : ( b ) Communication with third parties Except as provided in section 1692b of  this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXDOFED XXXXXXXX XXXXDOFED XXXX
Product: Debt collection

I got an alert from XXXX  XXXX  saying I have a new derogatory account debt which was opened on XX/XX/XXXX and XX/XX/XXXX this unlawful tactic was used to target all three of the major credit reporting agencies. I have never gotten a witten validation letter from Midwest Recovery Systems in XXXX XXXX, Mo. I had an old debt that was charged-off and or closed back in the year XXXX I live in California and it is illegal for companies like MWRS to buy old closed contracts trying to recovery money that is no longer owed and account is closed. There is a statue of limitations after 4 years in my state. This company has ruined my credit score on all of my credit. They start out with harassing phone calls of intimidation talking about lawyers and mediation I was not sued and had no CCJ against me and the fact that they can just send any old piece of information to the 3 major reporting agencies with only profile information and your social and an old bought account number these agencies do not check to see how old the account is they just add it to your file as current by using such appalling illegal practices as a company. I am vehemently opposed to these misleading actions of MWRS. By my rights under the FDCPA and they should not be able to RUIN a persons credit because they are running an illegal scam. I am going to report this company to the AG in my state as well I will not tolerate this type of abuse from no one or organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a missed payment on my credit report ; I have never missed a payment
Product: Debt collection

I have two accounts ( XXXX XXXX ) that Resurgent Capital Services/ LVNV Funding LLC are reporting on my credit report that need to be removed IMMEDIATELY. I never signed a contract with neither company. They are a third party debt collecting agency who purchased a debt from an original creditor that has been closed and charged off which in turn made it a Certificate of indebtedness. Certificates of indebtedness are considered income.

15 U.S.C. 1692j - Furnishing certain deceptive forms ( a ) states that : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person OTHER THAN THE CREDITOR of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Also, 18 U.S.C. 894 - Collection of extensions of credit by extortionate means states : ( a ) whoever knowingly participates in ANY WAY, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years or both ... .I do NOT OWE ANY DEBT to neither one of these corporations.
Product: Payday loan, title loan, or personal loan

I obtained a loan online from cash net USA and after several repayment costs were withdrawn from my bank account I raised concerns about the payments not being subtracted from my overall balance even tho they were paid, I could not get in touch with ANY employees from the company. I worked with my financial institute for several weeks and after not being able to get in contact with anybody my bank was forced to stop payments and the company sent the balance to small claims court. I still have not been able to reach anyone from the company only a lawyers office threatening to serve me at my place of work if I did not pay electronically a total of {$3000.00} immediately of the {$1500.00} payday loan received. The payments made have still not been taken off of the total balance of the loan at this time.
Product: Student loan

I graduated from my XXXX XXXX in XX/XX/2018 and had to study for boards before starting work in XX/XX/2018. My loans had been in forbearance because I have been in school for the last 8 years and could not afford {$1200.00} plus a month. I used up my 18 months of forbearance and was becoming delinquent on my loans because I couldn't start my new job until XXXX. I called to ask what i could do to get current and was told nothing could be done and I just had to make as many small payments as I could to bring the loans up to date. I informed them this would not be possible as I am in a XXXX XXXX and barely make {$2100.00} a month so I would never be able to bring the loans current as I was delinquent by XXXX {$4000.00} by the time XXXX rolled around and I started making money. 
I called Lendkey twice monthly from XXXX to XXXX to work out what I could do to remedy the situation. In XXXX the loans were XXXX {$7500.00} delinquent as my attempts to make {$600.00} payments every other week was getting me nowhere. I made the decision to take a {$5900.00} loan from my XXXX to pay this down. The loans are mostly current, I am about 20 days late on 2 of them and will make an additional payment of {$630.00} this month. I called Lendkey again this month to ask what I could do as I was struggling to pay {$1600.00} each month. They told me I could apply to refinance the loans which would lower the monthly payments now that I was mostly current and that I would get approved for a decent rate. I just received notification that my request has been rejected. 
I am a new XXXX XXXX in a required XXXX XXXX   trying to help patients and struggling to make ends meets. I can not live of off the {$200.00} a month I am left with after trying to pay these loans. Lendkey has been horrible to work with and no one is willing to help me or work out other options that are more manageable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Bank of America Creditor Representative and asked about any credit applications I have applied for. She responded and said she could not find my information in her system. Stating I never applied for a credit card with Bank of America. She then tranfered me to Bank of America Checking account Representative and he also explained there is no evidence of me applying for a credit application with them. And I only had a checking and savings account with them. Therefore the two inquiries XX/XX/XXXX and XX/XX/XXXX should have never been on my credit report. XXXX the Checking Account Representative for Bank of America is sending me a letter to verify I never did a credit application with them. And I would like for those two inquiries on my credit report to be deleted. Please and thank you.
Product: Checking or savings account

XX/XX/XXXX fraud alert was made to Wells Fargo in my account, ALL transactions were pending so Wells Fargo could not cancel/stop/help XX/XX/XXXX account was hacked- money stolen via XXXX XXXX XXXX the Hacker was able to also make mobile deposits via 2 checks - one for {$1500.00} another for {$400.00}, at which time wells Fargo flagged the checks, while pending the positive check deposit in my account the hacker was allowed to access funds IMMEDIATELY AND SELF PAY VIA XXXX {$400.00}, to a XXXX XXXX- The bank was NOTIFIED IMMEDIATELY of fraud activity XX/XX/XXXX all while pending and cleared XX/XX/XXXX funds were GONE- Wells Fargo denied the XXXX {$400.00}. Due to being verified via Token method but hackers were able to gain FULL ACCOUNT ACCESS BY logging on making/sending these transactions all simultaneously one after another!! WELLS FARGO will still not provide a clear answer to allowing this fraud to happen or refund my money- this is unacceptable and my money was stolen!! Wells Fargo PLEASE return my money ..THIS IS MY MONEY YOU allowed to be taken!
Product: Mortgage

Date of closing XX/XX/XXXX We can provide the closing statement which clearly will show the error in loan amount. As for the escrow payment, the sale price is XXXX and if you simply use the county total mil rate which should have been used to calculate the estimated tax vs. what the lender, Lennar Mortgage, used is off tremendously. The county total mil rate in XXXX is XXXX which should have been used. 

XXXX / XXXX x XXXX = {$6100.00} This is I believe XXXX guideline to calculate. 

The lender used a number of XXXX. We asked on several phone calls with different individuals, asking how and where this number came from. Our actual tax is {$7000.00}. 

However, the state of Florida has two types of property tax, ad valorem and non-ad valorem. In my development that is very high, {$2000.00}. I have also learned that the county may not use a full assessment, and our current tax bill is using a value XXXX. This helped but by not using the correct information to calculate up front we have a shortage, and it is causing a payment increase of {$800.00}. This is a hardship, and it could have been avoided. I have spoken to several of the neighbors that closed at the same time, and we are all in this same place. 

I can provide the actual county total mil rates found online, copy of the closing disclosure showing this large error, a copy of my tax bill from a second county showing the two tax types, and the escrow analysis showing the impossible increase in payment.
Product: Credit card or prepaid card

My claim was denied for an amount over XXXX. I didnt receive any reason. The claim was refiled in XX/XX/XXXX. I have called XXXX times and asked them whats taking so long. I escalated the dispute and as on XX/XX/XXXX I still have not yet received a provisional credit or resolution. 

The last person I spoke to in XX/XX/XXXX told me the bank offers a provisional credit at the discrepancy of the bank. I was not issuers XXXX. I asked why the investigation was taking so long and its been well over the time limits of 45 days. The supervisor told me my case went to special teams and there is no time limit for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your guys help here. I just looked on my credit report and i found a ton of inaccurate reporting from TransUnion. It is really crazy there's inaccurate late payments, payments showing on accounts that have been paid, collection accounts that i don't even recognize and the list just goes on. I mailed out a request for verification on XXXX. Then again on XXXX. But they are ignoring my request. How can they have this information on my credit profile and mess up my score. I tried to speak with some lenders and i keep getting denied because of the inaccuracies on my credit report. I just need somebody to update the inaccurate late payments from my account, and remove the collection account since it has been well over 30 days. I know the Fair Credit Reporting Act says they have 30 days to verify this stuff and they haven't done anything. I also know that the Fair Credit Report Act says that TransUnion can only report accurate information on my credit report. This is not accurate and it is really hurting my credit and causing me to pay unnecessary high interest rates. I need somebody to help me bc they aren't even investing my stuff.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXX please sent me a copy of the validation of this account failure to do so remove this account from my credit report
Product: Debt collection

I started receiving mail from Midland credit management sent to an old address of mine regarding money old to a XXXX XXXX credit card account I do not recognize. By the time I received any correspondence from them, it was too late to respond or request verification of debt. Now theyre threatening to file a lawsuit against me.
Product: Credit card or prepaid card

It is the very tricky fraud Capital One uses to deceive its clients and I want to report it. 

I opened a credit card in XXXX, XXXX XXXX, and received 0 % introductory APR for 9 months. 
My 0 % introductory APR expired on XX/XX/XXXX and my billing cycle also closed on XXXX  of every month. 

I have XXXX in XXXX and I saw a very dubious situation - what happens if I pay my balance in full after XX/XX/XXXX. I called to capital one and asked this question and I received an unambiguous answer : they told me that I would get my statement for XXXX XXXX exactly on XX/XX/XXXX and if I pay it in full during a grace period they would not charge any interest. 

They record all calls I believe. 
I had XXXX balance, I paid in full on XX/XX/XXXX. Today I got my next statement and it shows interest only since I had no charges. 

I am in-furious. I called them and reported this fraud, they said they are willing to write off this interest, but I am mad because of this practice - they lie to their clients. 

They charged the interest, and a supervisor tried to explain me that I should have closed my balance before the expiration of the intro APR to avoid the interest charge, but when I insisted he would listen my previous call to the bank, he put me on silence, and when he returned back he wrote off interest rate. 

I complained that I have no tolerance for that but they do not care. 

They also do another nasty thing - they do not report the date of 0 % APR expiration on statements, you never know when it expires. you only see it online, but not on PDF statement.
Product: Debt or credit management

I had a credit card from capital one I paid it off and it's still on my credit report and some hud agencies have been added inquiries on my credit report without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with XXXX, Experian XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged most recently. They are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting or other personal consumer reports

This company has no permissible purpose to continue to report negative derogatory damage to my credit report. I settled this account after agreeing to " Pay to Delete. '' When I fell on financial hardship, this company closed my account and has been reporting these damages on all three credit bureaus for over 10 years, even though I paid it. This negative remark has cause me to be in an emotional wreck and distressed. According to 15 U.S.C 1681 Laws, there should not be damages on my credit report as it is a deformation of my character. This company is also in direct violation of my rights to privacy as it did not give them written permission to report anything using my personal information. I was so embarrassed for other credit grantors to see that I once fell on hard times after viewing my credit report.
Product: Mortgage

Wells Fargo the bank, did not attempt to try to establish and ground point in helping us with the mortgage. We have been trying to get a modification from Wells Fargo from 2014 and they keep declining every attempt that we have made. We 've declared bankruptcy because the failing issue that the bank will not help us with the mortgage. They have been asking for the same paperwork since 2014 and we send the same paperwork but they seem to always ask for more. We 're trying our best to  keep our house, we are in the chapter  XXXX  trustee process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX, XXXX, and TransUnion were all sent Factual dispute letters. Since that time no correction has been made.
Product: Mortgage

This complaint is a mortgage issue/complaint with Community Loan Servicing , LLC .

My mortgage # 1 payment increased from XXXX XXXX a monthly payment of {$5700.00} to XXXX XXXX a monthly payment of {$6500.00} a month. This is an increase of {$740.00} a month in mortgage payment without any explanation. This is an increase of {$8900.00} in mortgage payments a year, which neither my property taxes or insurance increased in the amount of/to. 

My mortgage # XXXX payment went from {$3500.00} on XX/XX/year> to XXXX XXXX a new monthly mortgage payment of {$3800.00}, again without any explanation. This is a monthly mortgage payment increase of {$320.00} and {$3800.00} per year. 

It should also be known that I paid my insurance policies ( ATTACHED ) for both properties/mortgages in Full for 12 months, so it would be impossible for an escrow shortage. 

I have made multiple attempts to contact escrow management supervisors, specifically XXXX XXXX and XXXX XXXX with negative results. 

I am now forced to sell my homes due to this increase in mortgage payments which I can not afford, due to incorrect escrow analysis. 

This has been a nightmare experience.
Product: Credit card or prepaid card

I have been trying to login to my target ( Manage my Redcard account ), for several days now to no avail. Keep getting error message stating user name and, or password incorrect. I have tried several times to change password, resubmit password, change user ID, resubmit user ID, to no avail. I have called several times on XX/XX/2020, spoke with three target representatives and one supervisor, was sent a link to " reset '' my password, and the link does not work. I changes my password as requested, still can not login, still receive error message, " user name and, or password incorrect. ". I have tried to get the matter resolved to no avail, thus I can not use my credit card online to shop or manage my " redcard account '', ( i.e., make online payment, shop, etc ). They sent me a case number to refer to and I did but still can't log in to my account, case # XXXX. I called and spoke with someone ( I could not understand their language ), the represenative could not understand English too well, so my problem went unresolved.
Product: Debt collection

RESURGENT/LVNV FUNDING LLC - $ {$2400.00} First Reported XXXX Original Creditor-XXXX XXXX. 
Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, SC XXXX THIS DEBT COLLECTION AGENCY IS REPORTING AN ACCOUNT THAT WAS OPENED BY SOMEONE FRAUDULENTLY. 
ACCOUNT WAS ALREADY DISPUTED WITH ORIGINAL CREDITOR XXXX XXXX  AND THEY AGREED TO REMOVE AND INFORM THE CREDIT BUREAUS. AFTER SEVERAL DISPUTE ATTEMPTS MADE ONLY XXXX  IS STILL SHOWING THIS ACCOUNT ON MY REPORT AND ITS AFFECTING MY FINANCIAL NEEDS.
Product: Payday loan, title loan, or personal loan

they have reported that i have been funded since XX/XX/XXXX to the XXXX - i have not. 
i also applied for XXXX loans not XXXX they only have me listed for XXXX. 


i have a string of mails of trying to reach them no on calls me back or answer the emails from their company they have not given me the {$42000.00} in XXXX disbursements as of this date
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX Experian, XXXX, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Experian is in violation with account U.S. DEPARTMENT OF EDUCATION Acct # XXXX for not marking the account as disputed and also not updating the status/balance update. This account was disputed in XXXX but yet shows last time it was updated was in XXXX which is a violation. Evidence below
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no acknowledgement of this account on my credit report.