23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I began the process of my loan on XX/XX/XXXX. 

During the entire loan process, the company did not respond to my questions regarding information they were requesting form me. 

I attempted to reach out multiple times to the loan officer and docs processor to provide information and clarity about items they have requested from me. At every turn, they are non-responsive, unreliable and dismissive. 

I was told the loan would close in about 45-50 days. It has now been 92 days and they are still telling me I need to provide information I have already provided. 

They have asked for statements that show the previous few months for my current mortgage and Home equity line which show I am current but are telling me they need a letter to confirm this from each of my banks. 

Whenever information is provided, they come up with requests to confirm information I have already provided multiple times to delay the process further. 

I feel when I speak to them, they are lying to me in telling me they want to close the loan, but feel they are delaying the process in order to have me walk away and keep my {$500.00} non-refundable processing fee. 

I have elevated multiple times and requested response from a manager or decision maker only to be ignored. 

I have left messages for : XXXX XXXX, sales manager - Did not respond XXXX from Customer Service - Did not respond as she promised she would XXXX from Customer Service - Did not respond as she promised she would XXXX XXXX, loan officer- Sporadically responds via email only even when asked to call me. 
XXXX XXXX, loan processor- Does not respond when requested to, told me I had provided everything needed and then went silent only to have the same information requested again. Only provides excuses for delays. 

Please investigate this company as I believe they are unethical and do not operate to serve their customers and clients, but only to swindle them out of loan fees. 

The information given about what is requested is very vague and has been incorrect. I have no recourse to explain specifics to provide clarity to my situation and when I attempt to, it is ignored and the same information is asked for again with no ability to add any notes in reference to uploaded information to provide clarity.
Product: Mortgage

My name is XXXX XXXX We missed our first payment XX/XX/XXXX to Mr. Cooper mortgage . we enrolled in Illinois hardest hit program which helps homeowners who are behind or struggling with their mortgage. by XX/XX/XXXX or balance was {$6200.00}. We were approved. And received payments. On XX/XX/XXXX we received 5 payments, four payments of {$1500.00} and one payment of {$5400.00}. Totaling {$11000.00}. On XX/XX/XXXX we received two more payments one for the amount of {$1600.00} and one for {$800.00} totaling {$2400.00} with a grand total of {$14000.00} minus the {$6200.00} balance owed leaves a overpayment of {$7800.00}. We have never received a statement of a zero balance even after we were up to date on our payments. On XX/XX/XXXX we received a statement reflecting we owe a balance of XXXX we are still waiting for them to apply the {$7800.00} that we are owed. We have tried on several occasions, dozens of phone calls to resolve this. Even after showing them the statements that they provided us showing they received the payments, they still are forcing us to prove they received the payments by asking for a statement from Illinois hardest hit program.
Product: Vehicle loan or lease

My name is XXXX XXXX and XXXX. On XX/XX/2023, the collector from car hop XXXX XXXX nagged me that force me pay. It is a prepay avoid late. I told him that give me more time to get enough fund to pay car payment. He was abusive vocally via E mail. I told him that I was on the medicine and health issue since lost work. I told him that wait until get my XXXX check on XXXX than he misunderstood what I say. He did not care then had reposed my XXXX without warning notice by E mail. Only next day I get my SS check. He mixed up the story to me. It was not bad more than 30 days. Ruin my budget and had paid part of rental payment. I had to paid repo fee for {$400.00} plus and past due car payment of {$300.00} on XXXX. Then return my car back. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I left medicines in the glovebox. XXXX XXXX XXXX XXXX XXXX. he did not care what I say. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Collector continued nagged me and when I can pay due. he said that it is not pass 30 days yet it was only 25 days. He said more than 46 past due. he cant figure out then told me that sorry his mistake to make correct then was repossed my car again on XX/XX/XXXX without give me warning notice. I had to paid fees again. I dont feel well .... I looked the contract that said disclouse statement and agreement for installation of starter interrupt and GPS device. It suppose to be giving me 5 days warning before starter interrrupt become disable until I pay but never make it. I told them that they owe me {$1000.00} without warning notice. Twice repo fees plus police report fee and paid friend for gas to pick up my car in XXXX. I spoke XXXX XXXX  coworker about starter interrupt suppose to be giving me a notice of warning. They said that no more warning notice and had been stopped XXXX years ago. Why they did not tell me that give me a notice something change update I signed up the contract of disclosure statement and agreement for installation starter interrupt They should let me know cancelation contact and get a new update about repossession issue update. I ask them that skip 3 months of payments of $ XXXX or give me credit. They wont listen me that following contract says .... and demand payments now I wont pay {$300.00} if not I go to small claim court soon because the contract is vaild without warning 5 days before disable starter.
Product: Credit card

My XXXX  purchased a vanilla gift card from XXXX for {$500.00} for my birthday he paid cash. When I went to use the card, it would not work when I called the card services, they said it was not activated and they would have to send me a new card. When I did not receive a new card, I called back, and they requested a copy of the receipt. This was after I had already waited 30 days, I immediately contacted XXXX corporate, and they provided me with the receipt which I sent to Vanilla customer service, and they said they would investigate, and it would be another 30 days. I called every week to check on the progress and was told the same thing over and over they were investigating the card. The problem is the card was paid for in cash, so we have no recourse which is wrong. We contacted XXXX corporate, and they said we had to fight this out with Vanilla, but we paid XXXX the {$500.00} for the gift card. The card was purchased on XXXX and it is now XX/XX/year>, and no replacement card has ever been sent. I can not get my {$500.00} back from vanilla or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

so my account XXXX XXXX was wrongfully sold to another debt collector without my consent. now that someone has my personal information they are reporting XXXX that i dont owe.
Product: Credit card or prepaid card

Hello Ive been getting trying to get a Bank of America prepaid card. Ive had one in the past for more than 10 yrs. The one I had, expired this year. And I never received a replacement like other years. Id like a new Bank of America edd prepaid card up to date. I havent so. I have a new address of it helps. 
Its XXXX XXXXXXXX XXXX XXXXXXXX, Ca XXXX
Product: Debt collection

FBCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Sent me a letter stating they were collecting on behalf of XXXX XXXX XXXX. I checked my credit report and it didnt show anything related to what they were trying to collect for. They dug up an old debt that had already been settled and they are trying to trick people into paying old debts. 

They are sending out letters to people
Product: Student loan

I have had nothing but trouble since having MOHELA as my loan servicer. I applied for PSLF in XX/XX/XXXX. My employer was never certified, and to this day no payment counts have been updated. I attempted to discuss these issues many times with MOHELA and was always given the same response to " just be patient and not worry. '' Well, a year later nothing has been updated and nothing has changed. I have since left my employment with XXXX XXXX to care for my children, however, I should have a year 's worth of service calculated. I do not. MOHELA failed to correct these problems, gave poor advice, and did not care that I was trying to find a way to pay off my student loans. 

My current student loan balance is exceptional. It is {$380000.00}. I am enrolled in an income-driven repayment plan which makes my payments {$0.00} due to family size. Clearly, I am never going to pay this loan off in my lifetime, however, I am unable to file bankruptcy or find another way to lessen the burden. The loan will haunt me forever. I have worked so incredibly hard to rebuild my life from a very low place 10 years ago, and I continue to hit brick walls set up by the system. There is no relief, there is no future. I have XXXX children. I have thought about ending my life many times simply to be free from this debt, but my children keep me alive, and I am blessed that they are in my life. 

The income driven repayment plan is helpful, making the payment {$0.00} a month. Even with current credit, however, I can not get a loan because of the amount of debt I carry. It is a pointless consolation for people in my situation. 

This brings me to the most recent error on MOHELA 's part. My statement on XX/XX/XXXX had my payment amount at {$0.00}. The statement on XX/XX/XXXX has my payment listed as {$4200.00}. I have read other people saying they had been approved for a {$0.00} repayment amount and got a bill for {$300.00}. Try getting one for over {$4000.00}. It is insulting, it is unethical, and I am tired of trying to get answers from this loan servicer. I am tired of fighting a losing battle against an opponent so large it can not lose. I simply want to be free from my debt and no longer have to endure the anguish of trying to make this right.
Product: Credit reporting

On XX/XX/2006 I opened loan Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone No : XXXX in Equifax Credit report and Reinvestigate showed " this account has not been closed '' but I spoke with XXXX XXXX ( Now XXXX XXXX ) they said this account is closed, and I do not have plastic credit card either. On report additional information says " Account Transferred or Sold ''
Product: Checking or savings account

I was employed at Citibank from XXXX. The 401k contributions from Citi are deposited only once a year. XXXX Citi contributions were deposited in XX/XX/XXXX. I had already rolled over my existing monies in my 401k previously. I was never sent any notice, email, letter, etc. stating that if I did not choose to do anything with the monies deposited it would automatically roll over to a Citi IRA. I received an email today, XX/XX/XXXX stating my statement was online to review. There was no account number or information other than it was now in an IRA and amount. I called and was informed the monies were with a different bank and they ( other bank ) would have been the ones to let me know about a 30 day response period. It was then eventually it was sent back to Citi and placed into a Citi IRA. I believe Citi should have sent information. When I tried to take appropriate steps to roll over my monies, I was informed they had blocked my account. Was told point-blank they would NOT be unblocking my account until KYC forms and documents were filled out, which is required for new customers. I am not a new customer, never authorized to be a new customer. Citi could not explain why I never received documents to fill out. I find it puzzling how there could already be a block on the account. It has not even been 90 days. I need the account block removed so I can roll this over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs ( apple credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to Goldman Sachs which means it is now income earned for the company. 
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. 

I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report.

Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was able to put a fraudulent account and address on my report without my consent dated XX/XX/2018 for {$540.00}. This account and address do not belong to me and his affecting my credit. I am young and trying to establish my credit and this is hindering that. I have tried to dispute this with Transunion with no luck. Please remove this as soon as possible. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card

On XXXX XXXX, 2014 I applied online for a Sam 's Club MasterCard offered through Synchrony Bank. My application was approved and I was informed that I would receive my card in 7-10 business days, after the quoted duration passed I called to inquire about the card and I was told that I do n't get a card and that it 's on my Sam 's Club membership card. Confused at this I questioned the CSR more and found out that they had given me a line of credit I did not request, the Sam 's Club Personal Credit Card, which is a line of credit good only at Sam 's Club locations. After attempting to get this, obvious to me, error resolved through their Customer Support number and then eventually through a XXXX complaint I was left with a hard pull on my credit report and a useless to me credit line. Since my complaint they have fixed their wording on the application which could be loosely construed as an admission of fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed an item off my credit report and reinserted back on there without notifying within 5 days of it being put back on the re. Prime Example  :  XXXX   XXXX  This item was put back on my credit report. This item was an account that was opened due to identity theft. Credit reporting agency has the copy of the police report. The copy stated that I was n't liable for it after i sent them the affidavit and police report, however, Equifax has taken it upon themselves to play judge and jury and reinserted this item. Please find that I 've included all supporting documents.       I 'm requesting a new investigation on the disputed re-insertion account : On  XXXX / XXXX / 17  I discovered  XXXX    XXXX   had been re-inserted into my credit file. You are required to notify me with in five ( 5 ) day s of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.       I plan to file a lawsuit against the creditor for re-inserting the item unde r the Fair Reporting Credit Act ( FRCA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase initially closed a corporate card I was responsible for and charged off the total amount past due in XX/XX/XXXX. I disputed this claim in XXXX of XXXX as I was not supposed to be liable as this was a corporate card only. Now 14 months later, in an attempt to force me to pay the debt, have re-reported the account as charged off and listed the charge off date as XX/XX/XXXX. The has critically damaged my credit just as it was recovering from the initial charge off.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnoin for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

1. XXXX XXXX XXXX- Account number : XXXX - Original creditor : XXXX XXXX XXXXe XXXX - Balance : {$710.00} 2. XXXX XXXX XXXX - Account number : XXXX - Original creditor : XXXX - Balance : {$270.00} 3. XXXX  XXXX XXXX  - Account number : XXXX - Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
- Balance : {$420.00} 4. XXXX XXXX XXXX - Account number : XXXX - Original creditor : XXXX XXXX  - Balance : {$360.00} 5. XXXX  XXXX XXXX - Account number : XXXX - Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
- Balance : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I sent a letter to Experian in XX/XX/XXXX asking for accounts showing on my credit report for XXXX XXXX XXXX to be validated. I received a response from Experian online dated XX/XX/XXXX stating that the company that reported the information has certified to Experian that the information is accurate. I received another response online dated XX/XX/XXXX stating an account for XXXX XXXX XXXX was updated. 

I sent a follow up letter to Experian on XX/XX/XXXX requesting to receive an original contract bearing my written signature showing that I am responsible for the alleged debts reporting on my credit report from XXXX XXXX XXXX. 

I received an online response dated XX/XX/XXXX stating the accounts with XXXX XXXX XXXX was updated, not changed, and the company that reported the information has certified to Experian that the information is accurate. 

There were no contracts or signatures for the alleged debts at all. Simply stating an account is verified or accurate without providing a written signature does not validate the debts and anybody can send a letter or say its mine. According to the FCRA, Experian has violated my rights as a consumer and I am requesting legal action to remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal information, credit card accounts, evictions, auto loans, false student loans opened and collections from, Innacurate and incomplete addresses on my credit report are, XXXX XXXX XXXXXXXX LA XXXX, XXXX TX XXXX, XXXX TX XXXX, XXXX XXXX, XXXX LA XXXX, XXXX LA XXXX, XXXX XXXX, XXXX TX XXXX, XXXX TX XXXX, XXXX LA XXXX, XXXX LA XXXX, XXXX TX XXXX, XXXX TX XXXX, XXXX TX XXXX, XXXX XXXX TX XXXX, XXXX XXXX TX XXXX, XXXX LA XXXX, and the fruadelent innacurate accounts are, XXXX - XXXX, XXXX XXXX - XXXX opened between the years of XXXX THROUGH XXXX including credit card account XXXX - XXXX XX/XX/XXXX, collection accounts XXXX - XXXX, XX/XX/XXXX, and XXXX XXXX XXXX - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX- XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, Some of them have multiple under the same name. Some also have missed information that isn't showing the same on all XXXX credit bureaus. 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 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 XXXX 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 reporting, credit repair services, or other personal consumer reports

I have tried repeatedly tried to have fraudulent Items removed from my Equifax report since XX/XX/2019. Initially there was 9 credit cards and inquiries that were all identity theft. I sent Equifax as they requested a police report and affidavit reporting the fraud on my report and asked them to block the information immediately. It is now 3 months later and they have removed all but 4 credit cards. 
1.XXXX XXXX 2.XXXX 3XXXX 4.XXXX/XXXX  I have talked to each credit card company and they have since stop reporting the items on all of my other credit reports. Somehow Equifax removed all but 4 of the items stating I needed a new police report. I sent in a new police report and they are still refusing to remove the items.