23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB, I ask that you seriously you investigate this company. I had a mortgage with XXXX XXXX ( already had to file XXXX complaints that are still ongoing ). The mortgage was transferred to Freedom mortgage. The transfer has been a complete mess. After a long trial the previous company finally transferred everything to the new company including a check. The first time I spoke to the new company the person said it was taking them a while to process payments because they were bringing in a large number of mortgages from multiple companies. Per their own records it too almost 2 weeks from when the payment was " received '' ( an attachment will show their own records show it took this long ) for them to actually post it. I was told that this would be corrected and that they would process checks more quickly. Now, I have mailed another check, directly to them this time, and it has been over 2 weeks since the check was mailed and they still have not posted it. I called in to inquire about their address and then asked why it was taking them so long to process checks that are mailed. The woman who answered ( I did not get her name, although they can tell you who it was since the calls are recorded. ) insisted to me that all checks are posted in no more than 72 hours. When I pointed out that their own records showed it took them almost 2 weeks to post my check even after they claimed they received it ( which was 2 weeks after it was mailed. I know the Post office is slow, it is not that slow though ) she then said it did not take them that long to post and then i again stated that their own records show it did and asked why it was taking so long. She then hung up on me.
Product: Credit card

During the past few days I tried to make a purchase of a specific item over {$400.00}. Four times the purchase was denied by the bank. Yet, the bank applied each declination against my credit limit, a total of more than {$1600.00} erroneously applied. Today, when I tried to make two small purchases, well under {$50.00}, the bank declined both purchases. When I contacted the bank, I was told that it would take about 10 business days, or about two weeks, to remove the charges because they are PENDING, even though all were declined. Total incompetence and anti-consumer action by Capital One, owned in large part by Walmart.
Product: Mortgage

On XX/XX/XXXX my refinance loan was funded by XXXX in the amount of $ XXXX. 
I had a conventional mortgage plus a down payment assistance loan that I was refinancing. The down payment assistance loan was for $ XXXX plus 3 %. The loan was for 30 years with full payment due then or sooner, if I refinanced or sold the condo. I took out the original loan XX/XX/XXXX of XXXX. 
The company that bought my mortgage in XXXX is XXXX. Loancare had origially sent an incorrect payout amount for my down payment assistant loan. They received and accepted the payout for the conventional loan on XX/XX/XXXX. However, Loancare rejected and sent back the money for the down payment loan on  XX/XX/XXXX. Loancare called my title company, XXXX XXXX, saying that Loancare had made a mistake, that the first time home buyer loan payout was short over {$15000.00}. What happened was that Loancare subtracted the 3 % from the principal of $ XXXX instead of adding it. They sent a payout letter asking for just over $ XXXX instead of just over $ XXXX. They also said that I needed to pay them by the first business day of the next week. I checked their math, and found that Loancare was adding daily interest beyond XX/XX/XXXX. I told the title company and Loancare that they needed to fix that. I was not liable for interest added after Loancare 's mistake. Loancare sent another payout letter to the title company. It was wrong again, this time the letter had the original mistake plus the daily interest. 
This back and forth has been going on ever since. Today is XX/XX/XXXX. Even the legal department at the title company has told me to get a lawyer. I have since paid Loancare $ XXXX to principal in the hopes that that would force Loancare to redo their math. I was hoping they would get it right. Nope ; Loan care has sent XXXX XXXX title a payout letter stating that I owe them $ XXXX, a principal amount of $ XXXX minus 3 % instead of $ XXXX plus 3 % for six years, then minus $ XXXX principal for a total of about $ XXXX. 
I am trying to pay what I owe. I have been trying to fix this for MONTHS!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

When I applied for and was approved for the UpGrade XXXX XXXX XXXX XXXX I was promised a {$200.00} cash bonus after making 3 ontime payments. I opened the account in XX/XX/XXXX. All monthy payments have been made on time. I have made several calls regarding this and each time I was told that the matter would be escalated. I was told that I was due the {$200.00} bonus. On the call that I made on Wednesday, XXXX XXXX, XXXX I was told that the matter was being corrected and {$200.00} would be deducted from my total balance due within 5-7 business days. Today is the 8th business day. I called again. On this call I was told that I did not qualify for the {$200.00} bonus because I have 2 different cards with them. This was the 1st time I was told this. I began calling UpGrade about this in XXXX. I made several calls since then. On each and every call I was told that I was qualified and should receive the bonus. This has been a very stressful and time consuming matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while applying for a home loan I discovered I had been the victim of identity theft. Someone had used my information to open a fraudulent account with a lot of business and company. Including Telecommunications, Credit Cards, Cash loan, Car Loans and Bank accounts. This is not my account and I have enclosed a police report indicating this. I have attempted to dispute this information with the collection agency but have made no progress.
Product: Debt collection

XXXX SUED ME WITHOUT PROPERLY NOTIFYING ME AND COLLECTED ALL OF MY MONEY FROM MY BANK ACCOUNT ON A TIME-BARRED DEBT TWICE. I FILED A CLAIM OF EXEMPTION BOTH TIMES BUT EVERYTHING HAPPENED SO FAST I JUST DID NOT KNOW WHAT TO DO AND THE JUDGE DENIED MY CLAIMS. NOW WITH TIME I REALIZED THAT THEY VIOLATED CODE OF CIVIL PROCEDURE BY COLLECTING MONEY THAT IS TIME BARRED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theses company would not remove the following accounts from my credit profile. Theses accounts are not mines and need to be removed ASAP! 
-US DEPT OF ED/ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF )
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX Partial Acct # XXXX .... and XXXX XXXX XXXX XXXXXXXX Partial Acct # XXXX ....
Product: Mortgage

On XX/XX/XXXX of 2020 I requested forbearance due to covid-19 as my tenant was let go from their job and the hotel that I work for, closed. When I requested to restart my mortgage payments, Flagstar told me to submit a loss mitigation application. Which I did in its entirety. They never called me simply sent me notice saying that my application was incomplete but didnt say what was missing. I called and no one could tell me what was missing. I asked repeatedly what exactly they were looking for and they simply stated to resubmit the same documents again. So I did. Still, no phone call or update. I then call and request to speak to a new person since the person assigned wasnt helpful. The individual I got, was friendly and again she told me they closed my application due to it being incomplete but said she herself said she didnt know how it was incomplete because she could see all the documents uploaded and to resubmit everything AGAIN. So I do. She tells me she will call me every week with an update. I never received a call. I got an automated call from flagstar but no voicemail so I call back and Im told my assigned person is busy and I can request a call back. So I do. Twice. Only to be called back by someone who didnt even know why they were calling me. I explain I applied for repayment options from my forbearance and completed the loss mitigation application and she simply states let me look ... oh yeah its been denied when I ask why? She couldnt explain it to me and just said I can appeal but no options are available to me. I never received a call, a letter, anything. And she said this was decided on the XXXX and its the XXXX ... I only have 14 days to appeal and I havent even received the appeal forms in the mail they said that I shouldve. I want to keep my home and I was under the impression HUD was helping people effected by Covid do so but this has been a disaster. Theyre not helpful and they dont want me to keep my home and its obvious. Not a call, no guidance, no options. Anything. Please help me keep my home and fine flagstar for scamming people out of keeping their homes.
Product: Mortgage

In XXXX, the mortgage company ran an escrow analysis which showed an escrow shortage on our account. In XXXX XXXX payment, our payment showed significantly higher because of the shortage but because we could not afford the shortage of approximately {$3000.00} at the time, we paid the mortgage due. Mid XXXX, we paid the escrow shortage of {$2700.00}. Weeks go by and to our dismay, Homebridge misapplies our escrow shortage payment to XXXX XXXX   mortgage payment, which is why we did not have a XXXX payment due. I was expecting our payment to go back to normal. 

I call the mortgage company repeatedly to get them to reapply the payment and fix our monthly payment for XXXX. This takes multiple phone calls. XX/XX/XXXX rolls around and the XXXX payment is still showing the incorrect payment amount and they still have not updated it. Then, they finally move the funds around to our escrow, however, they run another escrow analysis WITHOUT MY PERMISSION, showing another ESCROW SHORTAGE of another {$400.00} after I HAD PAID THE INITIAL {$3000.00}. Around this time ( it is the second week of XXXX ), I have called them repeatedly to have them update the XXXX payment, and still to no avail, because I have gotten tired of waiting, I had no choice but to pay the XXXX mortgage payment + the {$400.00} shortage. 

NOW, we are stuck waiting for them to update XXXX XXXX payment. WHICH IS SHOWING the full payment amount AGAIN. This has been a whirlwind and I have been so incredibly tired of dealing with such a disorganized company.
Product: Credit reporting or other personal consumer reports

All my credit reports from all XXXX Bureaus, but not limited to TRANSUNION, XXXX, and XXXX, where compromised due to XXXX XXXX 

I have so many things on theses reports that are incorrect, and are not mine and or have no XXXX of. 

Due to these data breaches I am requesting all negative information hurting my character and my mental wellbeing, be removed until everything can be VERIFIED with accuracy According to the Laws of the FTC and XXXX, investigated with fairness and without prejudice.
Product: Vehicle loan or lease

As A Creditor I extended my credit In A consumer credit transaction with XXXX XXXX XXXX and XXXX of XXXX, Ga XXXX XXXX XXXX I was mislead, Approved with out Authorization and my credit app was altered. After Checking My Credit report XXXX seen that they submitted my application. So, I requested a copy of my credit application and it was Granted without my consent. Also, asked that I pay XXXX dollars down. Which isnt lawful when my Extension of Credit/Federal Law Says As Citizens all debts are deferred Also Ally Financial Denied My Extension of Credit and The under Writter Mislead me Saying that they cant answer my Question but U.S Code Title 15 ss 1611 States False information and Misleading of Credit and by law thats a XXXX fine or up to prison for 1 year or both. As a Consumer Protected by Law I dont feel protect and will take these matter further if need be.

Below is a list from my credit report of the first 4 financial institutions running my credit without my written consent through XXXX XXXX and XXXX of XXXX, Ga
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

EOS CCA Debt in the amount of {$560.00}. I have disputed this information with the company. I have also reached out to XXXX the original creditor they claim the debt is from and filled fraud investigation with XXXX. Eos cca still have not removed the negative information from my credit reports which only reports on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have recently discovered that my credit report contains incorrect personal information, which has led to the appearance of accounts and transactions that do not belong to me. This ongoing issue is deeply concerning, as it is causing unnecessary XX/XX/XXXXand negatively impacting my financial well-being.
Product: Credit reporting or other personal consumer reports

Good day, I am sending and writing this complaint with extreme frustration and absolute certainty because there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and XXXX XXXX making me unable to achieve financial freedom and stability.
Product: Credit reporting or other personal consumer reports

XXXX XXXX2024 [ XXXX XXXX XXXX ] [ XXXX XXXX CT, XXXX XXXX ] [ XXXX, FL XXXX ] Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX  Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

NAMES : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX ACCOUNTS XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT CARD XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT CARD DEPT OF EDUCATION XXXX XX/XX/XXXX Educational DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL XXXX XXXX XXXX XX/XX/XXXX NOTE LOAN SELF XXXX XX/XX/XXXX INDIVIDUAL EXTO XXXX XX/XX/XXXX CHECK CREDIT OR LINE OF CREDIT EXTO XXXX XX/XX/XXXX CHECK CREDIT OR LINE OF CREDIT XXXX XXXX XXXX XX/XX/XXXX UNSECURED XXXX XXXX XXXX XXXX XX/XX/XXXX UNSECURED XXXX XXXX XXXX XX/XX/XXXX INDIVIDUAL XXXX XXXX XXXX XX/XX/XXXX SECURED XXXX XXXX XXXX XX/XX/XXXX SECURED EXTRA XXXX XX/XX/XXXX XXXX CREDIT OR LINE IF CREDIT KIKOFF LENDING, XXXX XXXX XX/XX/XXXX XXXX BANKS C/O XXXX XXXX XX/XX/XXXX INQUIRIES : TRACTOR SUPPLY XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MOTORCARS, XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX TRADING LLC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX FINANCE XX/XX/XXXX XXXX XXXX SERVI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ACCE XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT UNION XX/XX/XXXX XXXX XXXX ACCE XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX DEALER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX CAP XXXX VIA DEALER XX/XX/XXXX XXXX XXXX ACCE XX/XX/XXXX XXXX XXXX XXXX DEALER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  DEALER XX/XX/XXXX XXXX XXXX  SERVI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  DEALER XX/XX/XXXX XXXX XXXXXXXX XXXX DEALER XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX DEALER XX/XX/XXXX XXXX  XXXX OF XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

PNC BANK REFUSES TO HELP COLLECT A XXXX DEBT THAT A FRAUD CAR SALE HAS CAUSED ME A CONTIUED LACK OF MONEY I CALLED 4 TIMES ON XX/XX/10 AND WAS EITHER HUNG UP ON OR TRANSFER DROPPED AFTER 45 MINUTES AND BANKERS NOT ONCE TRIED TO CONTACT ME BACK,.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXXXXXX XX/XX/2024
Product: Student loan

I paid my student loan for 46 months at XXXX under the extended repayment plan, totaling over {$36000.00}, and I was never offered or suggested to enter into an income based plan. Even as important, when I did find out about an income based plan, I was never told that the 46 months of payments did not qualify towards the 20 years until my loan would be forgiven. This is absolutely misleading and disgusting. I have a XXXX degree in XXXX XXXX and am a XXXX   of my high school class. If I cant properly find my way through the loan repayment process without losing {$36000.00}, then Im sure the majority of Americans are also being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a collection account that i have no knowledge about and have no contract with. I have disputed this account numerous times with transunion, XXXX  and have not had any results based on information i have submitted. 

They have failed to respond to me within the time period allowed under FCRA act. 

There should also be no balance being reported on a collection account which means it should be deleted as not being reported accurately
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my transition, XXXX and XXXX credit report, and it showed in accurate unauthorized inquiries from the companies list below, that I did not authorize they do not belong to me,, I understand that under the fcra section 604 a can not put a hard inquiry on my credit report authorization without my written authorization or consent I wrote changing XXXX and XXXX Tran union and requested for them to remove These in accurate XXXX inquiries more than 30 days ago and have not received any response or relief. HARD FROM XXXX XXXX, XXXX XXXX XXXX  XXXX, Unauthorized inquiries from experience, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hard on authorize increase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

dear XXXX, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account XXXX XXXX  Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only XXXX XXXX accurate credit information and to investigate any claims of inaccuracy within XXXX XXXX of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within XXXX XXXX  of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX
Product: Debt collection

Common Wealth Financial Systems Inc. re-aged an old medical account and submitted it as a debt owed to them to the major credit bureaus. I do not owe this company anything, I have never signed any agreement with them. I reached out to the company and asked them to remove the inaccurate information from my account and they sent back a letter in reference to the debt including a list of my medical procedures. I sent back a response for them to remove the info from my credit reports and also to cease distributing my medical history because I did not sign a consent for them to use my medical information. They have violated my HIPPA rights. 
The company posted a debt of {$920.00} with an open date of XX/XX/2021 to my credit report. I have asked that they remove it and I have not received a response as yet.