23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We closed our new construction with XXXX XXXX XXXX in XX/XX/XXXX. The escrows for taxes were based on our appraisal of XXXX until our County did their property assessment. The taxes they escrowed were XXXX XXXX XXXX / XXXX x XXXX ). In XXXX of XXXX, I confirmed that XXXX County had assessed our property at XXXX. This would bring my property taxes to XXXX per year. Since our County taxes are due semi annually, our bills are XXXX due XX/XX/XXXX and XXXX due XX/XX/XXXX. I contacted XXXX XXXX and explained the situation. They requested a copy of the real estate tax bill. I sent it in only to be told that an escrow analysis would not be done until XX/XX/XXXX. 
In XXXX of XXXX, I contacted a representative and explained that my escrows were showing XXXX on XXXX and XXXX on XXXX, which was incorrect. She asked that I send in yet another real estate bill for proof that my taxes were, in fact, XXXX and XXXX. I sent in the invoice and was told that an order was opened and to check back on XX/XX/XXXX. In the meantime, I kept checking my account and within XXXX hours, my taxes were corrected in the system to reflect XXXX due XXXX and XXXX due XX/XX/XXXX. They had cut us an overage check in the amount of XXXX leaving a balance of XXXX in our escrow account. As far as the amount being withheld every month, they still reflected the incorrect amount of XXXX which is well above the required XX/XX/XXXX. The correct amount should be XXXX. 
On XX/XX/XXXX, I checked my account and they had changed the taxes, again. It was now reflecting a XXXX payment of XXXX and a XXXX payment of XXXX. I contacted them via email and stated that the taxes were incorrect. I also questioned why there was a balance of XXXX in our escrow account. This amount was well above the required XXXX escrow cushion. I sent in yet another copy of my tax bill and explained that if it was not corrected, I would file a complaint. They explained that an order was opened and it may take time. It is extremely frustrating. I am unsure as to why they can not get not only my taxes correct when I have sent them in 3 invoices as proof and why they can't properly calculate 1/12 of my total homeowners and property tax. Furthermore, I am unsure as to why they are holding more then 1/6 of total for cushion. I have attached my XXXX County Taxes and all correspondence between XXXX XXXX and myself.
Product: Credit card or prepaid card

My American Express account and card, I had money stolen from me. {$4800.00} dollars. My way to go car Tennessee I had XXXX dollars. MY TAX REFUND WAS STOLEN. MY XXXX THROUGH XXXX tax refund WAS STOLEN FROM me
Product: Credit card or prepaid card

I've been an upstanding JCPenney customer for years with a credit limit of {$700.00} and I've always paid my bill on time and my purchases have always stayed at XXXX XXXX of my limit or less. I just found out that they reduced my limit from XXXX to XXXX because my credit score dropped due to an inquiry. They are the only one of my merchants to do this and I have an excellent record for paying all of my bills on time. I called JCPenney to discuss this and I even spoke to a manager but they said there was nothing they could do.
Product: Payday loan, title loan, or personal loan

15 USC 1681m- Adverse Action Universal Credit has sent me a letter stating " Your request for a loan was carefully and jointly considered by our lending partners, and we regret that they are unable to approve your application at this time '' in other words I was DENIED. I have read and understood Adverse Action of the FCRA and it never mentions denial of credit. It only mentions being denied for insurance or employment. Why doesn't it mention being denied for credit? Because The term credit means THE RIGHT GRANTED by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. I have the right granted to extend myself credit.

Let 's take a look at another definition, Finance Charge- Except as otherwise provided in this section, the amount of the finance charge in connection with ANY CONSUMER CREDIT TRANSACTION shall be determined as the sum of all charges, payable directly or INDIRECTLY ( social security card ), by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 
Now let 's take a look at one more definition, The term CREDIT CARD means ANY CARD ( social security number ), plate, coupon book or other credit device existing for the purpose OF OBTAINING MONEY, property, labor, or services on credit. 
So what am I saying here there really is no denial of credit due to me originating the credit with my social security number that you used.
Product: Credit reporting or other personal consumer reports

Applications were done in my name and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a certified letter to XXXX Mgt to ask them to delete my incorrect account on all 3 credit reports. There was incorrect information they were reporting to the Credit Bureau 's. 

OnXX/XX/19 I received a letter back from XXXX Mgt stating they were unable to process my request because they claimed that my loan is no longer on their records. 
Since the loan is no longer on their records, they should not be reporting an account that does not exist to the Credit Bureau 's. 

On XX/XX/2019 I sent another letter stating : Since you were unable to process my request because my loan is no longer on your records. According to my credit report, you are still reporting this account. Please delete this account immediately. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I did not hear back so I sent in another letter on XX/XX/2019 stating : Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

XXXX Mgt failed to delete my account from 2/3 Credit Bureau 's.
Product: Credit card

5th 3rd bank and affiliates continue to harass me.also a court in XXXX XXXX has denied them any further action against myself.they wo n't remove this from XXXX bureaus or credit reporting.they soon if do n't immediately comply within 30 days will be sued.I have had it.I have proof this has been denied by a judge
Product: Credit card

I was charged XXXX dollars on XX/XX/24 for a payment to a XXXX XXXX. I do not know a XXXX XXXX. USAA disputed it and XXXX said I owed the money and provided me no proof. I requested it from XXXX XXXXl and got the run around. No response. XXXX and XXXX XXXX  refuse to do anything. Transaction ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery constantly calls me 7 days a week non stop and multiple times per day. 
Dates they called XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  XX/XX/2021 at XXXX XXXX  ( may have called more times as I recently got a new phone ) I have not answered any of these calls. I have talked to them one time I think in XXXX or XX/XX/2021.
Product: Credit card or prepaid card

I

returned a bunch of items to XXXX  for a refund and I did not get a refund so I went ahead and disputed them from XXXX  and I lost the dispute as XXXX  provided docs. saying the items were delivered. Now of course these items were delivered as I received them but the issue here is I returned them and got no refund. Below are the items and tracking numbers. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Each XXXX XXXX XXXX is {$290.00} ( $ XXXXx4= {$1100.00} ) XXXX XXXX is {$440.00} Total Owed to me : {$1600.00} Transaction took place XX/XX/XXXX The one for the computer might've been a bit earlier. 

Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX The above are XXXX reference numbers associated with this showing I requested a return also.
Product: Debt collection

I filed a dispute with Portfolio Recov Assoc and ever since the dispute, for 3 weeks in a row, this company keeps flagging this account as negative/collections and intentionally lowering my credit score. This company did not do this until I filed the dispute. Portfolio Recov Assoc is doing this in RETALIATION for filing a dispute.
Product: Credit reporting or other personal consumer reports

I have been a customer of the service credit karma for a very long time. They have been misleading me and other customers with false advertisement saying that we have great approval odds for a credit product and then when we apply all we get is a denial with a hard inquiry and no credit extended. But then we are like I wouldn't have even applied if they didn't say my approval odds were outstanding. This has torn my credit score to shreds. I would like all those misleading hard inquiries removed from my credit profile please
Product: Payday loan, title loan, or personal loan

In XX/XX/2019 I had the unfortunate circumstance of requesting an online payday loan with a company named Loan at Last. At first I borrowed a {$300.00} loan, and once it was paid off, borrowed a smaller {$200.00} loan, and once that was paid off, borrowed a {$600.00} loan. I paid it off quickly but realized I needed to reborrow the {$600.00} amount. This was late December 2019. I made 3 payments as per my loan agreement of {$97.00} until I could no longer afford to do so after losing employment due to the COVID-19 pandemic along with millions of other individuals. Company restructured my loan and lowered the interest rate to 244 %. The initial interest rate was over 600 %, a similar rate to the previous 3 loans I had with the company. The remaining balance was {$570.00}, and nearly a year later I still have not managed to pay the balance off. Company has stated mutually agreeable solution was reached. This is inaccurate. I have requested the remaining balance of {$250.00} be forgiven multiple times to no avail. I have all my bank transaction records to prove the hundreds of dollars I have paid in interest. I contest the remaining balance of {$250.00} and am in complete disgust that they are allowed to operate legally. I have spent almost {$900.00} on the interest payments alone, not including the actual principal loan amounts, paying off my loans with this company since becoming a customer in 2019. I have thoroughly read all of the loan agreements. I know that some representative will write a response to this complaint justifying their actions. There is no justification. It is extremely unethical and predatory to charge 600 % interest. They are trapping consumers in an endless debt trap from which there is no way out, and they are fully aware of this. Claiming these are high risk loans to consumers with poor credit is their excuse, and I hope the day finally comes when lenders of this type will be prosecuted and put out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am here extremely upset and Ive cried so much Im here to file a complaint against Experian Ive been calling and have disputed this matter with Experian there are some inaccurate statements on my report such as delinquency and home mortgage loan along with several inaccurate comments on my report Ive address this matter to Experian and have been since XXXX of last year and more recent XXXX of this year a few days ago I am extremely upset because this negative inaccuracies has caused for bank to denied my application for me to buy a home. I have no home I even cried on the phone to representatives because I couldnt hold back this situation has ruined my only chance of getting my dream home if this matter is not resolve soon I will take legal actions and sued Experian for what they have caused not to fix immediately knowing that I should not have those inaccuracies on my report. Its not fair and also all the hard inquires I have due to me applying confidently knowing I had no worries and I was denied and was upset and confused because I didnt understand why this is happening Experian never fixed the inaccurate negative comments on my report. I have attachments with all the inquiries that needs to be removed on my credit report due to not being approved and denied all because of Experian not doing what they were supposed to do. Please I ask that this matter is resolved I am good human being who simply just needs a home and was denied all because Experian fault I paid all my bills and never been late I have an exceptional payment history and my other two credit reports are outstanding with great credit scores I hope that this gets resolved Im in tears because Im literally was denied for my home and I have no home all for something I have no fault and control over and Experian ruined my life this needs to be fixed and removed so that I can start over with no hard inquiries and be able to buy my home because Experian ruined my chance to by my dream home now.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

DEBT BUYER AMERICAN RECOVERY SERVICES, INC.

VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT 15 U.S.C. 1692e. 807 FALSE AND MISLEADING REPRESENTATION SUING DEFENDANT IN THE NAME OF ORIGINAL CREDITOR : I. INTRODUCTION XXXX. Plaintiff, XXXX XXXX XXXX XXXX, serviced by XXXX XXXX, has filed a Motion for Summary Judgment seeking to recover the alleged debt owed by the Defendant on a loan agreement based on the fact that there are no genuine issues of material fact and that Plaintiff is entitled to judgment as a matter of law. 

XXXX. Defendant respectfully opposes the Motion for Summary Judgment, as there are genuine disputes regarding the material facts including Plaintiffs legal standing to bring this suit against the Defendant due to ownership rights to the debt and current litigation is prohibited by the Fair Debt Collection Practices Act 15 U.S.C. 1692e. 807 False or misleading representation.

XXXX XXXX XXXX  On XX/XX/XXXX, Defendant executed a personal loan agreement with XXXX XXXX, and funded by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX, in the amount of {$12000.00}, with obligatory monthly payments of {$290.00} to be paid for a term of 60 months and first payment being due on XX/XX/XXXX. 

Around XXXX of XXXX XXXX defaulted on the loan due to an ongoing financial hardship as the result of job loss in late XXXX and then assuming caretaking duties for a family member. On or around late XX/XX/XXXX, XXXX XXXX reported the account for the loan as a charged off debt to the Credit Bureaus and subsequently sold the debt to American Recovery Solutions Inc., on XX/XX/XXXX. 

On XX/XX/XXXX, Plaintiff, XXXX XXXX XXXX XXXX, who is not a party to the lending agreement, served debt collection lawsuit on Defendant. 

Genuine Issues of Material Fact Exist Regarding the Validity of Ownership of the Debt Plaintiffs, XXXX XXXX XXXX XXXX, standing to bring debt collection litigation against the Defendant is prohibited by the Fair Debt Collection Practices Act 15 U.S.C. 1692e. 807 False or misleading representation as follows : a. Plaintiffs evidence in the form of the loan agreement Section XXXX. Promise to Pay : Parties to the Loan Agreement are the Defendant and the XXXX XXXX XXXX XXXX. Plaintiff is not a party to the loan agreement and has no standing to engage in the collecting of the Defendants debt. 

b. When Plaintiff, XXXX XXXX XXXX XXXX serviced by XXXX XXXX XXXX, filed this suit with the XXXX XXXX XXXX XXXX it had no legal standing to do so. The Defendants loan debt through XXXX, XXXX, was charged off and subsequently sold to XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX, XXXX months prior to the filing of the suit against the Defendant. 

XXXX On XX/XX/XXXX, Defendant received an email from XXXX XXXX XXXX, XXXX XXXX of XXXX XXXX, advising Defendant to call XXXX XXXX Firm. 

XXXX Based off email communications with XXXX XXXX and XXXX, Defendant believes that the XXXX Law Firm in conjunction with XXXX is engaging in unfair debt collection practices prohibited by the Fair Debt Collection Practices Act 15 U.S.C. 1692e. 807 False or misleading representation.
Product: Credit reporting or other personal consumer reports

15 USC 1681b ( A ) ( 3 ) ( A ) Remove these hard inquiries from my credit file immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Dear CFPB, I feel I am a victim of sub prime predatory lending. Back in XX/XX/XXXX, I was approved to receive a loan from Wells Fargo through an independent mortgage broker. Because it was Wells Fargo, I thought it was all ok. At the time I had XXXX % down and I believe that is where their focus was to receive the cash. I should not have been approved for a loan. The mortgage amount was not something I could afford afterwards so I applied for a loan mod. My mortgage dropped from over $ XXXX/month to $ XXXX/month back in XX/XX/XXXX through a loan mod. XX/XX/XXXX, I received a letter stating my mortgage was going to be raised and it ended up becoming almost {$1900.00} and they also stated that my interest rate was being raised from 4.5 % to 6.5 %. I had been paying my payments on time the whole time until this happened. I found out my loan was an interest only loan with and ARM ( adjustable rate ). Since about XX/XX/XXXX, I could n't pay my payments in full and they wo n't accept partial payments. I tried for loan mods over and over and they kept saying the investor on my loan will not allow another loan mod. Now there 's an onvestor on my loan?! When did they come into the picture because I pay my payments to Wells Fargo?? So I come to find out that XXXX is now the investor behind my loan and my mortgage is a mortgage backed security. At no time, had I signed any contract with XXXX. I believe Wells fargo sold my loan to this investor without my knowledge and when I ask them who the investor is on my loan they say there is n't one. But now there 's a notice of default filed on my home by HSBC! I do not have a contract with them. This does n't make any sense. I really believe that Wells Fargo needs to refinance my loan to today 's standards since they are in the wrong from the beginning. I have been spending most of my time on trying to figure this out for a year and a half now. This is very frustrating but I am learning a lot from this. I wish there was someone who could help me. Now Wells Fargo is in the process of processing another loan mod request while there is a notice of default on my home. I do not see how the outcome could be any different if the investor has the last say. This is the only home my kids have known and I would really appreciate my payments going back to {$1200.00} per month like they were. Thank you for any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

Hi, I have a few late payments on my Nelnet account and i was XXXX at the time with no way to receive mail or notifcations. 
Even after submitting proof, nelnet still would not remove late payments which is significantly affecting my credit