23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is related to loan modification in XX/XX/XXXX with XXXX XXXX. Due to severe hardships at that time facing foreclosure on my family primary residence, the delinquent interest {$51000.00} on the loan was negotiated and settled with the payment of {$13000.00} as full and final amount. Then a note agreement was issued by XXXX XXXX in XX/XX/XXXX detailing the new payment schedule along with the actual loan amount. There was no mention of {$51000.00} in that note agreement as it was settled with the payment of {$13000.00}. 

Please refer to attachments for proof of payment, XXXX XXXX note agreement and communication with the service provider. 

After this arrangement, the mortgage account was serviced by XXXX  XXXX from XX/XX/XXXX - XX/XX/XXXX and subsequently Select Portfolio Servicing ( SPS ) Inc. is servicing the account from XX/XX/XXXX until now. Both service providers started showing the {$51000.00} as outstanding and added the amount to loan balance which is incorrect. Neither have accounted for the {$13000.00} collected by the predecessor service provider XXXX XXXX. 

Despite my communication to both of them in writing with evidences of payments and the note agreement drawn in XX/XX/XXXX, the matter is unresolved. I want them to remove this figure XXXX pertaining to XXXX interest as it was settled with the payment of {$13000.00} per agreement between me and XXXX XXXX in XX/XX/XXXX. 

The responsible party to this dispute is Select Portfolio Servicing Inc. as XXXX XXXX is no longer handling the mortgage account. 

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

Today I run my credit for any reason I have loans credit cards and mortgage loans that belong to someone body else I have never use my itt number to open loans or credit card account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am name is XXXX XXXX and this This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX  XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I received a notification from XXXX XXXX that I had some hard inquiries on my XXXX and XXXX credit reports. I check both reports and discovered that I had 3 on XXXX ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ) and 1 on XXXX dated for the XXXX of XXXX. I had not applied or requested any inquiries on my credit. I contacted the finanical institutions that I found numbers for and notified them. I was directed to file a claim with the FTC.
Product: Debt collection

Someone use my identity to retrieve a payday loan. My whole identity has been compromised these lies 10 years. Please remove fraudulent collection appearing on my credit report.
Product: Vehicle loan or lease

Was unknowingly signed up for the XXXX  insurance. XXXX XXXX XXXX XXXX  was the dealer.
Product: Debt collection

The issue began when I was unable to log into my credit card account online.

The credit card was for a store that went out of business ( XXXX XXXX ). The site was repeatedly down so I was unable to make a Payment. I sent an email to the help desk more than once and did not receive a response back. I started receiving missed payments on my credit card but felt that XXXX XXXX should amend before I paid off my account because their website had been down.

Instead XXXX XXXX called my relative instead ( Mother ) who is not a co-signer or joint card holder. We do not even share the same household or phone number. I am unsure how she was even tracked down. The person who spoke with her shared confidential information and asked for my new cell phone number, although they have my current address on file. I was left a voicemail that I have saved, in which I was advised by XXXX XXXX to have an attorney return the call. I'm unsure as to why they are advising me to obtain legal counsel for a debt of {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current XXXX shows on XX/XX/2019 is XXXX, which is 22 lower than last month ( XXXX ) score of XXXX ; I always get my FICO monthly provided to me by my bank. 

Please correct or advise me as needed, since even though I just check the current Annual Credit Report and none of the negative impacts or any recent hard inquiry was shown in that report. 

Thank you. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Student loan

I applied for an income based repayment plan on XXXX XXXX, 2016 because I could n't afford my monthly payments. I made the XXXX payment. I then called on XXXX XXXX, 2016, to inquire about my status. I advised I was unable to make my XXXX payment. They told me they could put me in a forbearance state while we waited for the income based application to be completed. On XXXX XXXX, 2016 they denied my application because i incorrectly completed my XXXX XXXX application - I stated i was not in a forbearance, which was incorrect when they reviewed it on XXXX XXXX. 

Obviously the company has a financial incentive to kick my application down the road. Interest continues to accrue, and they advised me to apply for a forbearance. They did not tell me it would adversely affect my income based application. They then denied my application - telling me I could reapply. They also put me on a standard repayment plan now - represents XXXX % of my after tax income. I have accepted I will be sued by this entity in the next couple of months.
Product: Debt collection

Contract Callers Inc. opened XX/XX/XXXX 
This will be my 2nd complaint against this company. As I reviewed the previous notes from the 1st claim, this company states they have verified this debt. They also claimed they have reached out to me by email and mail. I have not received any emails from this company nor letters! Reporting any false information on my consumer report is a violation of Fair Credit Reporting ACT. Per 15 U.S. Code 1681. The FCRA ensures that only accurate and verifiable information should be reported on consumers credit reports. This company is reporting inaccurate information and unverifiable information. I request this account immediately be deleted from my report! They are required to validate a debt before attempting to collect. Contract Callers have failed to provide proper proof and licensing to validate this debt! THIS DEBT DO NOT BELONG TO ME! Provide PROOF!!!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Summary of the issue : On XX/XX/XXXX, I filed a dispute regarding a XXXX XXXX account ( account number : XXXX ), which was subsequently removed from my credit report after resolution of a complaint filed with the CFPB under case number XXXX. However, this account has reappeared on my credit reports with all three credit bureaus ( XXXX, XXXX, and Experian ) without following the proper procedures mandated by the Fair Credit Reporting Act ( FCRA ). This includes the lack of prior notification and the continued presence of multiple inaccuracies in the reported information.

Details of the issue : 1. Improper reinsertion : I was not notified within the 5 business days required by Section 611 ( a ) ( 5 ) ( B ) of the FCRA regarding the reinsertion of this account.

No evidence or additional documentation was provided to justify the reinsertion of this account.

2. Inaccuracies in the reported information : This account contains significant discrepancies across the credit bureaus : High Balance : XXXX and XXXX report a high balance of {$300.00}. 
Experian reports {$0.00}. 
Date of Last Report : XXXX and Experian : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
XXXX XXXX : The address listed for the creditor ( XXXX XXXX  ) is inconsistent across the XXXX credit bureaus, which violates the FCRAs requirement for accuracy and consistency. 
3. Previous case history : In case XXXX, the CFPB resolved that this account should be removed from my credit report due to inconsistencies. However, this account has now been reinserted without proper justification or documentation, constituting a repeated violation of my rights under the FCRA. 

Attachments : Recent credit reports from all three credit bureaus highlighting the discrepancies. 
Documentation related to case XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband is XXXX XXXX military, retiring form the XXXX, and we were applying for a VA home loan at Navy Federal Credit Union. We received a pre-approval letter by them and started looking for a property. We put several offers on multiple properties and finally were able to get one under contract after a lot of work. Navy Federal Credit Union asked for fianancial documents and we submitted them. We really wanted this property after the long road to find it. Along the way the bank told us that underwritting declined our loan. I asked why and they said that they only taking into account my husbands retirement income and not his XXXX XXXX income ( he has more than 12 months left and other loan officers had said he could use his XXXX XXXX income ). Also because our high debt to income ( DTI ). Since we were desperate at this point I inquired about other loan products and my loan officer said he could not help me. He did not care. I asked him if we don't qualify for the XXXX XXXX loan we were asking for, then what is the amount that we are allowed? We could have searched for a smaller property? He said he did not know. He just wanted to brush us off. Also along the process, they ran our credit score twice. Once at the beginning and once toward the end. Their sevice is limited and only respond during certain times. There is no customer service or empathy. We lost the deal and are extremely dissappointed with the outcome of our experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A IDENTITY THEFT AFFIDAVIT AND REPORTED THE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS, XXXX, EXPERIAN AND XXXX. 
I MAILED THE AFFIDAVITS ON TWO DIFFERENT OCCASSIONS. I HAVE BEEN WAITING FOR 3 MONTHS. THOSE ACCOUNTS, ADDRESSES AND INQUIRIES ARE STILL ON MY CREDIT REPORT. 
IT DOESN'T TAKE 90 DAYS TO INVESTIGATE IDENTITY THEFT. I FEEL AS THOUGH, MY PAPERWORK HAS BEEN PUSHED ASIDE. 
THIS IS UNFAIR TO ME AS A CONSUMER AND VICTIM. 
I NEED HELP ADDRESSING THIS PROBLEM. 
THE CREDIT BUREAUS ARE NOT TREATING ME FAIRLY.
Product: Checking or savings account

I consider this a fraudulent transaction I did make a grocery pickup order for {$340.00}. However was unable to pick up these and I cancelled the entire order. I was still charged in full Wells fargo denied my dispute as the pending transaction posted even after cancellation. I never received any product for this charge.
Product: Mortgage

Rocket Mortage LLC was offering a promotion using XXXX XXXX to deliver the message to its customers. I received an email from XXXX XXXX stating that as an XXXX XXXX customer if I closed a conforming mortgage loan with Rocket Mortgage by XX/XX/XXXX that I would receive a statement credit of XXXX to my XXXX XXXX XXXX 8-12 weeks after closing occurred. I closed my loan in XX/XX/XXXX, so I was definitely eligible for the credit. I initially emailed on XX/XX/XXXX just to confirm with the loan processor that I expected the credit before we continued to proceed with the loan. The fact of the matter is I would have gone elsewhere for my mortgage needs and had a lower rate had it not been for this promotion. The property needed work and I was looking forward to the statement credit to help with those costs. When I didn't receive the credit, I inquired with my loan processor at Rocket Mortgage again XX/XX/XXXX as to what had happened, and he stated that it was applied as a lender credit to my closing costs. That is an EXTREMELY shady business practice since lender credits are typically given by the lender in exchange for a higher interest rate. NONE of that was communicated to me, nor was I given the option to choose in which manner I wanted to receive my XXXX. Nor did the promotion read that that was an option at Rocket 's discretion. I have all of the emails exchanged where my loan processer tried to give me the run around and a bunch of reasons that didn't jive with the promotion to cover his back. Basically, they created a win-win situation for themselves ; they get the customer roped in under a promotion where they never actually give anything, they just give you a credit while charging you a higher rate. The entire offer is for an XXXX XXXX XXXX, nowhere does it mention a lender credit. I didnt receive that, nor any mention that I would never receive it. I have attached the terms and conditions of the offer as provided to me by XXXX XXXX on behalf of Rocket Mortgage as well as my correspondence with Rocket Mortgage in regards to the treatment of my credit. Needless to say XXXX XXXX at XXXX never gave me the items I specifically asked him to provide numerous times.
Product: Checking or savings account

I had checking accounts with Ally Bank. Ally Bank unfairly closed my accounts down without saying the reason why. I did complain in the past that the online banking of Ally Bank was frequently down for maintenance past midnight and it caused a lot of problems for me because I usually pay my bills after midnight, but that should not be the reason why they closed my accounts down unfairly.
Product: Credit card

on XX/XX/2023, i purchased with my synchrony bank PAYPAL MASTERCAR CREDIT CARD by XXXX for the amount of {$350.00} a XXXX XXXX XXXX for a desktop computer, with the description, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the order number XXXX. 

The situation is that the seller with the name XXXX Store, scammed me, I did receive an article at my home address, but my surprise was that that the article was a joke, this store or person sent me a XXXX XXXX XXXX XXXX. Right after I reported by a dispute to XXXX and PayPal, attached the whole documentation I have. The dispute at XXXX is FROZEN at this time, with the description, this order is frozen because a chargeback has been filed. 

I called PayPal couple times because at this time my card has a charge of the whole amount of {$350.00} and the representative explained to me that the case is close ( I LOST ) because I never presented proofs. For that reason, I am filling this case, with the proofs and documentation i have, also for my records,
Product: Credit reporting or other personal consumer reports

Due TO THE NEGLIGENCE OF XXXX, XXXX, AND TRANSUNION ALIKE, FOR SUPPLYING MY PERSONAL INFORMATION TO OVER XXXX!! XXXX XXXX AFFILIATES, COMPANIES, EMPLOYERS, ALL OF WHICH I THE CONSUMER DID NOT AUTHORIZE, WRITTEN, NON-WRITTEN, VERBAL, NON-VERBAL OR ANYTHING THEREOF! PROTECTION OF NON-PUBLIC PERSONAL INFORMATION WHICH STATES : I DEMND THESE BE REMOVED AS WELL AS COMPENSATED XXXX $ PER INQUIRY AS FOR PRIVACY VIOLATIONS WHICH FALLS UNDER FEDERAL LAW. 

I HAVE BEEN DENIED AND TURNED AWAY FROM PREQUALIFIED SOFT PULLS DUE TO THE IRRESPONSIBLE ACTS BY THESE PRIVATE CORPERATIONS. SO MUCH I ALMOST LOST MY CHILD BY NOT BEING ABLE TO GET A VEHICHLE DUE TO THESE OUTSTANDING ABOUT OF PERSONAL DATA LEAKED BY THE PRIVATE CORPORATIONS. 


XXXX XXXX XXXX XXXX - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Checking or savings account

I have a Golden  1 Credit Union  Bank I had returned a smartphone back to  XXXX  last year and the manger from  XXXX  out of a  XXXX   XXXX  store did the return he was the  manger  and I was giving a recite for the phone and then I went to the bank to get the money for the phone to pay the bills and well the following week I noticed that my checking account was closed and I was not able too reopen it due to it going in to   XXXX   XXXX   XXXX   and well I get SSI and was only ever given a week at the beginning of month to deposit the money to the account and I had the paperwork saying I was only charged for one phone and paperwork for refund for  one  phone and for some reason they took  XXXX  dollars from me and I have banked with them for 6 years and I have been Paid the same for the whole time and the decided to only allow me  one  week so sad when I retur n one phone get recite for one phone and they charged me for three p hones.
Product: Credit card or prepaid card

To whom it may concern : Ever since I opened ( XX/XX/XXXX ) this Capital One Quicksilver Credit Card Account and being unaware and charged with some overburdening Fees/Charges associated with this type of credit card offer, I have been miserable with having to maintain this account ( ending in XXXX ). I was only financially able to finally pay off the entire credit card balance ( {$3100.00} ) on XX/XX/XXXX. 

On XX/XX/XXXX, I learn that I was charged another XXXX XXXX XXXX : {$25.00}. Again, this account was closed ( supposed to be completely Closed ) as of XX/XX/XXXX. I asked the representative at time off closing this account what is the Total/Full Balance/amount owed to Capital One associated with this account and it was two thousand nine hundred sixty two and sixty seven cents. I paid that {$2900.00} amount. 

As of XX/XX/XXXX and also discussed in a conversation with a Capital One representative, supervisor ( XXXX in XXXX, Florida ), my referenced account accrued interest ( {$25.00} ) for a billing cycle from XX/XX/XXXX - XX/XX/XXXX. I fully paid this account off and all matters ( fees, charges, balances ) involving this account up to and including on XX/XX/XXXX. 

In reference to Capital One, there is simply no way to explain nor justify charging a so called Customer any fees, charges, after an Account was " officially '' Closed except to strong arm, unethically abuse your ( Capital One ) financial abilities against the consumer. 

I would appreciate the CFPB to have Capital One reverse/eliminate this {$25.00} charge and once and for all close the referenced account. Thank you all for your assistance.
Product: Mortgage

Rocket Mortgage holds escrow funds for our homeowner 's insurance policy described above. Request for payment was made from XXXX in XX/XX/XXXX, with a follow up XXXX XXXX, with the renewal deadline of XX/XX/XXXX. Rocket Mortgage sent the payment to XXXX late, by check in the mail, on XX/XX/XXXX, which has led to cancelation of the policy due to non-payment. Rocket Mortgage also did not pay on time the previous year ( XXXX ), which led to cancelation and reinstatement after I called to sort out the issue ( with Progressive ) I contacted XXXX ( XXXX XXXX is the provider ) and they reiterated that cancellation was due to non-payment and that reinstatement would require photos of all four sides of the home. I sent photos, of which only two marginally showed the roof. The underwriting team responded by saying there was missing or buckling shingles, and they could not reinstate the policy. I argued that no shingles were missing, and I could provide additional photos illustrating the roofs condition. They were not receptive and indicated to get a new quote for a new policy. I went through the process and no policies were available due to the cancelation, even with the local XXXX  agent who check multiple markets. This has left me without an active homeowners insurance policy due to lender nonpayment.
Product: Credit card

I had a Barclays Arrival Card and a Barclays XXXX XXXX XXXX card. Barclays switched the XXXX XXXX to an XXXX XXXX without offering any other products to switch it to. This means that I now have XXXX of the exact same credit cards. It is silly to have XXXX of the same cards so I wanted to combine them. XXXX card, the original XXXX, has an interest rate of 18.24 % and the ( former ) XXXX has a rate of 25.24 % but the XXXX card is older so I wanted to combine the other account into that XXXX. Doing so would require me to give up my lower 18.24 % interest rate though. I think this is unfair. Since Barclays forced me to take the XXXX XXXX as a substitute for the XXXX XXXX, forcing me to have XXXX of the same cards, it should allow me to consolidate them into the older of the XXXX card at the lower interest rate so it does not harm my credit by being forced to close an older card. I can close the 25.24 % card and add the available credit to the 18.24 % card but that harms my credit. By matching the 18.24 % for both cards they are effectively doing the same thing without forcing me to harm my credit.
Product: Debt collection

XXXX XXXX has reported to Credit Bureaus that I owe a debt but I've never done any business with this company and I have no knowledge of this debt.