23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX my husband was killed in the military, leaving our daughter and I, I used his life insurance to buy a house for us. I was the victim of predatory lending, the company that did my mortgage is under federal indictment and all the people doing loans there are in jail. They forged my signature on documents and lied about me having a job and the rates and terms i agreed to changed on the final documents. in XXXX my daughter was XXXX and I had to close down XXXX that I had opened the previous year and lost all my investment. The mortgage company at the time : XXXX, illegally foreclosed on me and I got a judgement in my favor. I then applied for a modification and kept getting denied for lack of paperwork. Finally I had all the paperwork right and they sold the loan to XXXX. Went through the whole process with XXXX for literally years. Constantly having an issue with something in my loan modification packet. Finally got it all done and it went to the underwriters and a couple of weeks later they told me " it all looks good, just doing some final package information '' then they sold my loan to Nationstar. In the mean time I am not allowed to make payment and fees and late charges etc. are over {$100000.00}. My original loan amount was {$630000.00} and now my statement is saying my original loan amount is {$700000.00}. Nationstar makes me go through the whole process again, I keep having paperwork issues, they have XXXX different files on me and my paperwork was n't being sent to XXXX, so they could never find it all. I have requested my phone and e-mail to receive a copy of all the fees and charges on my loan and a copy of the original deed and they have all said, yes they will send it and I have never received anything.. as of today, I have been denied a modification again, based on income and they did n't have my income correct when I asked, they say I owe {$400000.00} on top of my {$700000.00} which was originally {$630000.00}. Without being able to afford a lawyer, I have no way to get them to give me the information I need and no way to hold the Banks and the lender accountable. This is the only home my daughter has lived in and she needs consistency, my only financial security was my investment in this house and took all of my husbands life insurance.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX - Account # : - XXXX PAID OFF IN FULL PLEASE REMOVE XXXX - Account # : - XXXXXXXX XXXX - Account # : - XXXXXXXX XXXX - Account # : - XXXXXXXX XXXX XXXX  - Account # : - XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) - Account # : - XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : - XXXX XXXX Account # : - XXXXXXXX XXXX Account # : - XXXXXXXX XXXX XXXX XXXX - Original creditor : XXXX Account number - XXXX XXXX XXXX XXXXXXXX - Original creditor : XXXX XXXX  - Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Vehicle loan or lease

During the Covid situation has taken over our lives I contacted Ally who is where my car loan is through. We explained our plate loss of jobs loss of income loss of life.When contacting Ally they were willing to help us. Many months later the situation has not changed so which changed with their help they no longer are willing to help during this crisis situation. What recourse are do we have??
Product: Credit reporting or other personal consumer reports

I recently reviewed my Experian report and noticed that I have been a victim of identity theft and found several credit inquiries that I have no knowledge of. The credit inquiries are as follows : 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 Please remove the aforementioned credit inquiries from my credit report. I have attached an identity theft report here as well
Product: Mortgage

I was working with XXXX XXXX of Bank of America to get approved for a home loan in XXXX and XXXX of 2024. I asked countless times to get preapproved before making an offer on a home and was continuously prompted to only get prequalified. My pre-qualification covered the loan amount so I put in my offer and it was accepted. 

After being required to pay for an inspection, appraisal, earnest money, due diligence money AND home owners insurance, totaling over {$4500.00}, I was denied for my loan with Bank of America and forced to lose those funds. 

The XXXX did not tell me there were issues with being at my current job for less than 12 months. He did not disclose that Id have to spend more money upfront to get my XXXX ratio down, he did not warn me of any of these circumstances as any good LO would have done. 

This was all in an attempt to utilize their XXXX XXXX programs to help borrowers like me realize their dreams of owning a home. The grants were expected to cover XXXX in downpayment, and XXXX in closing costs. I was still asked to spend $ XXXX out of pocket for downpayment and less than XXXX of the closing cost grants were actually applied to my closing costs. 

The total cash to close was going to be well over $ XXXX even with these grants. This has been the worst experience trying to get a loan of any kind. Do not recommend.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a home but after checking my credit report i noticed damages on my report from ( TRANSUNION ) These inquiries are unauthorized and they are not related to any transactions by me. 
According to law 15 U.S.C 1681 there shouldn't be any damages on my report this is a defamation of my character. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello im writing you you because recently an account of mine was closed and I always paid on time I was finally happy where my credit was but I was deducted 42 points they closed my account because apparently I was 30 days late in XXXX but the money was in my account and it kept returning the payment I just want my credit to be where it was I will do anything please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the distress caused to me. I have repeatedly tried resolving this issue and I have already filed an FTC report as well as attached my Identity theft Affidavit as well. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

PayPal Credit XXXX Synchrony Bank ) refuses to communicate to PayPal that a dispute with XXXX XXXX has been cancelled due to the fact that XXXX XXXX has agreed to refund the amount for {$XXXX} as long as there is no dispute open either on PayPal Credit or in PayPal. And PayPal Credit alleges that they have no relationship with PayPal even though they act as sole beneficiaries of the interest charged on monies owed so it is in their best interest not to proceed with due diligence and charge customers for monies and interests that not owed.
Product: Credit reporting or other personal consumer reports

My student loan was forgiven. Originally amount was {$260000.00} now its {$11000.00}. XXXX and all credit reports keep showing a balance of {$110000.00}, when its supposed to be {$11000.00} total. 

I filed a dispute with credit bureaus I contacted Nelnet whos servicing my loan and confirmed my balance. 

I checked FASFA who also confirmed my balance. 

This is wrong and hurting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I only owned XXXXXXXX XXXX card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, XXXX XXXX XXXX XXXX sent me a new card after my XXXX card got fraud charge. Then, XXXX XXXX XXXX XXXX made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received credit card that the card wasn't working, and the last name is wrong. Ever since, I visited XXXX XXXX XXXX XXXX XXXX times and must had called them XXXX times XXXX weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my XXXX XXXX went down to XXXX due to the account closure till they sent me a new card and reopened the account about XXXX weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. XXXX XXXX XXXX XXXX representative stated they started investigation more than XXXX  days ago. I heard that at least XXXX  times from different representatives over XXXX months. They never called me back. I called them multiple times, they have made no progress, in past XXXX months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from XXXX XXXX XXXX XXXX. I desperately need to fix credit score to XXXX a condo. Thank you very much.
Product: Credit reporting or other personal consumer reports

I was prompted to change my password when I logged in. I followed the instructions and wrote everything down as I did so. After that I have been locked out. They tell me to ask to get my user name, when I do I get it but it will not let me use it or to reset password. I am unable to get anyone to help they simply redirect me to the online options which do not work. I have asked to cancel and am told i have to log in to cancel. IF I COULD LOG IN I WOULD NOT NEED TO CANCEL. They continue to bill me for a service I can not use. I have sent 2 certified letters and both time I just get a e-mail back telling me to use the online options which do not work. Firstly all I wanted to was to use the product just as I have for at least the last XXXX  years. Since I am unable to do that I just want to cancel and not pay for something I am unable to use
Product: Credit card

I applied for a credit card from Capital One. The application was approved on XX/XX/year>. I've contacted Capital One customer service nine times since then to determine the status of the application and why I have not received a card. The agents could only say the processing was delayed by the back office and they were waiting to hear back from them. It has now been over two months since the application was approved. 

XXXX XXXX Dates I spoke with Capital One customer service : XXXX
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Dear Sir or Madam, I recently received a copy of my credit report and found several incorrect items. I have detailed the discrepancies in the numbered entries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX According to my records, the information you are reporting on these accounts is inaccurate. I demand that you remove this information from my credit report immediately.

By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I request that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies you contacted so I may follow up.

Under the terms of Section 1681i of the Act, you have 30 days from receipt of this letter to verify this disputed information. If you fail to verify this data or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Additionally, pursuant to 15 U.S.C. Section 1681d of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address provided above. According to the provision of Section 1681j, there should be no charge for this notification.

Sincerely, XXXX
Product: Bank account or service

I opened a Citigold checking account which had a sign-up bonus of XXXX XXXX miles after meeting some requirements. Once I met those requirements, I contacted Citi to see where my miles were and they told me that I did meet the requirements as I was supposed to, however, they were not going to honor the XXXX XXXX miles because I was n't targeted for the promotion. I have a screenshot of the promotion that says I am targeted, so I do n't understand why they would say that. It seems like they just do n't want to give me my miles.
Product: Debt collection

Company continually calls from different numbers and sometimes early morning hours and on weekends
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX  Balance : {$980.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1700.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}.
Product: Mortgage

I was in the process of getting a home loan and was referred to this loan officer by my realtor. The loan office went missing in action many times when we were dealing with time sensitive issues. I was given excuse after excuse for why we were left in the dark. She gave me multiple dates to show up at closing when my file I found out was not even out of underwriting. I understand closing dates getting pushed back but not when we are told to show up at closing multiple times with no result. I was told a certain amount would be charged to my debit card for appraisal and I was charged {$65.00} more than I consented and was not given an explanation. She had me pay for a rush appraisal to close on time and it was not needed because we were never gon na close on the date she said. The real reason for the complaint is the lack of communication and us almost losing our home loan. When I gave the company a bad review XXXX XXXX ( the loan officer ) sent me the nastiest text message and threatened to pull our loan if I did not take down the review. I contacted her boss immediately and she was so embarrassed. After I sent her boss the txt messages she told me that was the most unethical thing she has ever seen and was very sorry. XXXX, the owner of Rowlett Mortgage then took over my loan and took care of us. XXXX also made it right on the charges that should not have been on my debt card so kuddos to the owner of this company. I felt attacked in her txt message and she was using all my personal info that she had collected for my loan to attack me. She talked about my finances and my divorce and this is someone that I trusted with my loan and my personal info I have no clue who else she has shared my personal stuff with. My husband was freaking out because we were suppose to finally close the next day and he thought she was going to pull our loan so I bit my tongue and sent an apology txt to her just to save face but I only did that so my family would have a home to move into. I lost my old home in a XXXX and buying a home was suppose to be a good happy time. XXXX gave us broken promises, threats, and used our personal info in our file to threaten me. On top of all of this nobody ever went over my loan with me. I did not know I was paying points to buy down the interest rate until I went to closing. I was quoted the rate but did not know I was paying for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX collection account with Trans Union, XXXXXXXX XXXX XXXX All three reporting agencys are still reporting the account accurate. I send all three agencys the receipt from the medical provider Preferred Imaging showing a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted the Remex to settle the debt of {$540.00} as I need this removed from my report. I logged onto my account screen, but it does not show them as holding this debt. I contact all XXXX credit bureaus, but they have not removed it. So, now I have a company misreporting and none of the agencies will remove the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The issue is related to my escrow account which is held and managed by my Mortgage company ; Ocwen Loan Servicing LLC . What started everything off is the lender paid my Flood Insurance Policy and sent a check for {$660.00} on XXXX XXXX, XXXX after the due date in XXXX of XXXX to renew the policy. As a result, the insurer canceled the policy because of non-payment by the due date. Because of this, I was forced to request a new Flood Insurance policy. The new policy cost {$100.00} more than the original policy as there was a rate increase that took place after the renewal due date of my original policy. I had a conversation about all this with the Mortgage company and told them they were responsible for the premium increase for this next year renewal. They agreed with me after a long conversation with them that it was their fault the policy had been canceled. 
My producer sent the new policy to Ocwen, the cost for the new policy is {$760.00}. Ocwen then sent out another check on XXXX XXXX, XXXX for the difference in the XXXX policies instead of issuing a whole new check for the full amount of the new policy. The insurer rejected this check because it was a partial payment and not the full payment. They only accept full payment for this type of insurance policy. This check was sent back to Ocwen. 
Ocwen then sent out another {$100.00} check out of my Escrow account on XXXX XXXX, XXXX. This check was never received by the insurer. 
Finally, on XXXX XXXX, XXXX Ocwen sent out a check for {$760.00} to the insurer for full payment of the new flood insurance policy. 
To date my escrow account has only been credited with XXXX of XXXX {$100.00} credits. A check for {$660.00} was issued by the producer to Ocwen. They cashed the check on XXXX XXXX, XXXX. To date this amount has not been credited back to my Escrow Account. 
So at this point Ocwen owes my Escrow account {$100.00} + {$100.00} + {$660.00} for a total credit of {$870.00}. On XXXX XXXX, XXXX Ocwen sent me an Escrow Account Analysis and disclosure statement. This is not the first time they have made a mess out of my escrow account or messed up a payment on my flood insurance. I am fed up with them, their customer service is horrible. I need some help to find relief before they increase my mortgage payment due to my escrow account being short {$870.00}.
Product: Credit card

I received a normal monthly AmEx statement with balance {$330.00}. 
I decided to use my rewards balance of {$44.00} before paying the remaining balance from checking. 
Two days later I paid the balance, {$280.00}. This was about a week before the due date. 
Today I noticed that my current statement still had {$44.00} due. The rewards were applied to the newest charges. 

This is a dark pattern, when a business policy forces you to opt-in to an otherwise reasonable default, such as paying off what due first before paying off what's due a month from now. I'll have to call in. 

I called support and spoke to someone asking for the rewards to be applied to the oldest changes, they refused. 
Rewards are not their money, but they act like it is. They should not be able to decide how it's apportioned, regardless of what sneaky language they might sneak into a XXXX  agreement that no one ever reads. 
So I paid off the balance which is due in 2 days. What else could I do, give them more money in interest? 

I have decided to use my AmEx card much less due to this. To them, I am a " XXXX XXXX '' customer who always pays on time. They were always tops in customer service and fairness, but no longer. 
I hope you decide to take action against deceptive practices and penny-pinching money-grabs like this one.