23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought my home from XXXX  XXXX XXXX in XXXX @ XXXX and when the market collapse I was given no Modification or reduction in payment and my Mortgage was sold to another Lender and Sold to Shellpoint Mortgage Servicing Loan # XXXXI lost 15 % of my salary due to cuts and lay offs and plant Closures etc ; I asked if the Forbearance could be? put two payments at end of loan and they said NO! i could skip payments for 90 days but ALL payments will be due after that period XXXX. so I noticed that after over a decade of house payments my loan is ONLY XXXX  { $ XXXX } below the original purchase and tells me I have been defrauded all the way from XXXX  to now. I was notified that Shell Point has now Sold it but will continue to make collections for now. I am asking for an Independent Fraud investigation and ALL details to why I only have XXXX  paid towards my Mortgage after 15 years of $ XXXX minimum Mortgage Payments.
Product: Debt collection

I have told this Company 's my bill should not be with you. The State of New Jersey do not have this Company 's is not listed with New Jersey Banking and Insurance so they can not collected a payment from me. Need your help please.
Product: Credit reporting or other personal consumer reports

I have inquiries on my big 3 credit reports that are not mine Creditor Name, Date, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, TransUnion XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX I have also filed IdentityTheft.gov reference # XXXX
Product: Debt collection

I have a collection action on my credit report that is not my debt, this action was started by Healthcare Financial Services on behalf of XXXX XXXX XXXX  XXXX.This debt is not mine and should have been paid by my companies workers compensation provider, XXXX.I spoke with both companies on XX/XX/2019 and the collection agency had the wrong account number, I advised the company of the correct account number and was assured that they would correct the problem.
Product: Credit card

In 2019, I made multiple transactions via chase quickpay to my husband ( ~ $ XXXX and XXXX each time ). I was heavily sick during that time, and can not go to any branch to get a cashier 's check at that time. 

Right after the transfer, all my chase accounts ( credit card, checking, and saving ) were closed with no detailed explanation. I made a bunch of phone calls, but no detailed explanation of what violations I made. Also, due to my poor health status, I had no extra energy to handle life problems, so I did not insisted to pursue for the reasons or tried to retain my account. 

In XXXX, I applied two credit cards and was approved instantly. This suggests my credit has no issue. But I received a letter recently, claiming my accounts will be closed because of association of previous accounts closed. 

I want to address this issue and want to be helped out. I was a loyal chase customer since 10 years ago, when my very 1st account in the United States was opened.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : XXXX. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My loan has been sold and transferred from XXXX XXXX XXXX XXXX to Freedom Mortgage Company. I received a notice on XX/XX/XXXX from XXXX that my mortgage has been sold and that all payments should go to Freedom Mortgage Company as of XX/XX/XXXX. Despite multiple calls to Freedom, they have not set up my account, and as of today told me that my account is still not set up and I have no way to make payment. I am very concerned, as due to Freedom Mortgage Company and XXXX XXXX  XXXX 's own incompetence at handling my account sale and transfer, I am at risk of becoming late on my payments and facing penalties or worse. 

It is a unbelievable and wrong that I am trying to pay Freedom Mortgage Company however they are unwilling or unable to accept my payment to keep my account in good standing. I suspect they are trying to not allow me to pay in order to get late payments or illegally foreclose on my home.
Product: Checking or savings account

Citi has a streaming service rebate that I signed up for. 
It reimburses the purchase if you use the citi debit card and enroll in the program. 
I did both but the purchase didnt register. 
After waiting the recommended 7 days, I call a representative and he confirmed that I was enrolled at the time and that the purchase should be reimbursed. 
He advised I contact my account manager.

Its been two weeks and he hasnt replied to my email.
Product: Credit reporting

" ... Over the past seven or eight months, I 've tried to remedy this issue on my own, but to no avail. I 've sent TRANS UNION, via USPS certified mail, four ( 4 ) dispute letters informing them that they are illegally listing unverified accounts on my credit report in error. 

I requested that the adverse accounts be deleted from my file. However, they did not comply. The listing of the accounts in question has severely impacted my life negatively, causing me serious personal and financial hardship. I 've suffered significant damage to my credit, I 've had my credit limits reduced and I 've even been declined for additional financing.. ''
Product: Debt collection

I have been receiving calls from SEVERAL debt collectors that have all been using excessive means to contact me, borderline harassing me. Any time I block one of their phone numbers, they will call from another. If I do not answer their call, they will then call from a private/blocked number. I have all spam settings enabled on my phone. I have tried using the # 66 # and other codes to stop calls w/o caller ID, spam detected, etc. and still receive calls. 

When I say I receive calls, I mean I have about 52 voicemails A DAY - all from an automated voice leaving a message- as well as almost 100+ missed calls. This has been going on since I lost my job on XX/XX/XXXX. They started as soon as XX/XX/XXXX. Just last week, I found a new job and will be paying them whatever I'm able to in order to get them to shut up - but I'm not going to just let them get away with this insane amount of phone calling harassment. 

I have not been able to sleep in at all. I have been woken up by their calls every single day, and I have to have my phone on because I have a kid- I shouldn't have to mute my phone because they're disrespectful and relentless with calling. I just started my new job, and my phone is constantly vibrating and going off throughout my shift. It has made my battery drain quickly to the point where I have to plug my phone in several times a day now, wheras it normally holds a solid charge until the very end of the day. 

As I'm typing this out -- they literally called me 3 more times. 

I have never in my life dealt with something this insane before. I never in my LIFE have received so many phone calls PERIOD let alone calls from a debt collector over the smallest balance out of ALL OF MY CREDIT CARDS/DEBTS. It's for a XXXX XXXX card that literally is almost paid off. I mean less than {$100.00} kind of paid off too - I have major credit card debt with another company, and they don't even call me more than once a week. Comenity is relentless, they are annoying, they are disrespectful, and they have made me want to throw my phone across the room multiple times a day. No matter what I do they won't stop- and I've made it clear that I was UNEMPLOYED DUE TO BEING A VICTIM OF XXXX  XXXX. This extra layer of harassment isn't okay and I'm at wits end. 

XXXX XXXX  XXXX Started calling XX/XX/XXXX. 
- Most recent call XXXX - as I'm typing this. 
XXXX Robo/automated voice trying to collect a debt. 
- Calls as early as XXXX - will call up until XXXX. 
- Receives upwards of XXXX voicemails a day. 
- Calls me about XXXX times a day. 
- will attach a screenshot of all the numbers used so far, as every time I block one, they will call from another or from a 'private number. ' I actually can't even send screenshots of all of the calls/voicemails left because it wont let me upload that many files.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX Date opened XXXX reported XXXX-Last active XX/XX/2022 XXXX XXXX XXXX Account # XXXX Date opened XXXXLast reported XX/XX/2022 Last active XXXX XXXX  Account # XXXX Date opened XXXXLast reported XXXXLast active XX/XX/2022 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

I started the application XX/XX/2021. The first time by myself, they said due to DTI, added fiance, all good. Straight refi, no cash out, reducing interest and removing my dad and adding fiance. They said I need to remove my dad and add my fianc to title to make closing easier, done within 2 weeks, they said we should close by end of XXXX, then moved it to first week, kept pushed back and back. I kept callinf asking for a real status, asking for a supervisor. Never got a call from a supervisor or a real reason for the push. Every week or other week I would be told all is good and they are just waiting on stuff on their end. They ended up waiting for my rate to expire, they sent me a new XXXX. I asked why are they charging me when the delay was not my fault and they told me they would honor my original XXXX, they then asked me to write a statement that they can repull my credit... again I asked for why the delay and requested reassured I would be honored my original.terms discussed, they sent me the original XXXX, again no one reached out to me we are at the end of XXXX begging of XXXX, by mid XXXX they send me the last XXXX, and they request all information again and they now said I need an appraisal, even though I did not 5 months ago. I sent an email again requesting to be assured that I am not charged nothing other than on our original terms since the delay was not our fault, and that includes the appraisal fees. 
By the end if the day they call me to tell me the loan is denied because my fiance 's credit is noe XXXX. 
I feel they were holding on the loan waiting for the interest to go up or to be able to charge me credit points. I see no other reason they sat on the loan for 5 months and no supervisor or Loan officer could call me. I am glad they claim to record all calls so you can listen, I have all the emails we complied as requested. I think this is a pattern to up their fees. 
Bank : Freedom.mortgage, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX Loan Originator XXXX XXXX XXXX XXXX XXXX : # XXXX I will forward emails when you request
Product: Credit reporting, credit repair services, or other personal consumer reports

A very loud and rude threatening call several times, left voicemail. Calls come from an unknown number and the voicemail is threatening and calls me by my first name, and then says it is someone elses account. Made numerous threats and left this phone number to call back. XXXX. I called it back the lady said her name was XXXX XXXX and I could hear the other woman screaming the same script to someone else on another line. I repeatedly asked they do not call my home again.
Product: Checking or savings account

On XX/XX/2021 {$2400.00} was deposited into my account via a fraudulent transaction. I filed a fraud claim on XX/XX/2021
Product: Checking or savings account

I moved to PR and start working from home. I open an account in Banco Popular to use it for my Direct Desposit from my work. Unfortunately when I was setting bank information with my employer I put the wrong routing numbere so the have to overnight me a check for {$510.00}. On XX/XX/XXXX I deposit the check in the ATM machine. I come from XXXX XXXX so I was expecting to see in my account {$510.00} pending but I dont so I call Banco Popular customer service line and they explain me that should take couple days do see the whole amount reflect in my account. They said I should see {$220.00} first and then the rest. I call monday XXXX first because I dont see nothing reflect in my account. They explain me that I need to wait until Wednesday XX/XX/XXXX. I wait and I call back Thursday the XX/XX/XXXX and they explain me that at that point your check should be reflected in your account if not is because theres an issue with the check and they explain that I need to wait until Wednesday XX/XX/XXXX to receive a letter explaining why that happen. On Wednesday XX/XX/XXXX around XXXX I received a call from the bank branch in XXXX XXXX asking me where that check comes from and other questions to apparently be able to verify the check. After she make all the quations the branch agent told me that she are going to told the supervisor and see if the check was good to deposit. She promise me to call me in the afternoon but unfortunatelly she never do. Looking for information and talking with my uncle wich is a CPA and a cooperative bank executive he explain me about The Funds Availability and Check Collection Act ( Regulation CC ) of the Federal Reserve ( Not sure is the translation is correct ) and he told me that American financial institutions have no more than 5 days to clear a check doest matter where the check come from if not they are incurring in violations against this regulations. Today XX/XX/XXXX the bank just make available {$220.00} from my {$510.00} check, after XXXX work days from my original deposit, in clear violation of your regulations. I call customer service and explain this regulation and customer service transfer me to the complains department. The complains department admit that the branch did wrong and call the branch for mor clarification unfortunatelly the manager was not there at XXXX am so a branch agent provide him the personal phone number of the manager. He call the manager but unfortunately he didn't answer the call. After all those fails tries he file an internal investigation against the branch because clearly is taking way too much time to get the money I worked to my account.
Product: Checking or savings account

I had an XXXX scam back in XXXX. I had to buy XXXX cards from XXXX. Then, they return money. Chase account. I reported it fraud. I later found out that the FTC found a similar scam. I did get a letter in the mail so I thought it was legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened the account in XX/XX/XXXX and signed up for auto-payments. They indicated that it would take 30 to 60 days for the auto payments to commence. There was no payment due in XX/XX/XXXX. I made a payment online in XX/XX/XXXX. The XX/XX/XXXXbill indicated I was now signed up for auto payments and that a payment would be taken from my checking account on XX/XX/XXXX. When I received my statement it indicated that the auto-payment had indeed been made on XX/XX/XXXX. On XX/XX/XXXX XXXX called me to inform me that the payment had not been made as previously told. I was astonished as I knew there was ample money in the account to make several payments. The customer agent looked into my account and found there was a transposition in the account number for the checking account from which the payment was to be made. To ensure they had the correct number the agent made the XXXX payment while I was on the phone, and it went through. When I received my next statement I found that they had not only charged me {$25.00} for a returned check, but they also reported to the credit reporting agencies the payment was made 30 to 59 days late. The payment was due on XX/XX/XXXX, by the time they noticed that they had messed up the account number, contacted me, and obtained a payment was only 6 days. I do not know what party was responsible for the transposition, but I know they had 2 months to verify the account numbers. And they also could have called me when the payment did not go through, rather than waiting an additional week. 
The following month no payment was made from my account so I called them and they informed me that auto payment had been cancelled, without any notification. I told them that I wanted it to continue for which they apologized and re-instated the auto-payments and made a payment again while I was on the phone. XXXX then subsequent to my phone call, mailed me letters saying that my auto-payments had been cancelled, then another stated they had been reinstated. Both on the same date. No late payment fee or late payment report was made for this payment, even though I believe it was past due. They just took responsibility for the error, as they should have done the first time. 
I made complaints on two separate occasions to XXXX regarding this matter. I received XXXX unsigned form letters in response, all identical, indicating they they were correct to report the payment late. I do not believe this to be the case. It was XXXX 's fault that payments were made late on both occasions. I made honest efforts to make the payments and even had to follow up on them. I had the money in my account for payments to be made. This was a simple mistake, likley on their behalf, and should have no bearing on my credit score. 
The bill XXXX-XXXX attached to this report show that the payment had been made. The XXXX XXXX bill shows the payment unmade, the remade, as well as the {$25.00} returned check fee.
Product: Debt collection

A company by the name of RISE continues to report some type of loan that I didnt initiate or receive on my credit report. I have tried unsuccessfully to get this removed to no success
Product: Debt collection

PLEASE DELETE ASAP Dear CREDIT BEAURU I am writing to formally dispute a charge-off listed on my credit report, which I believe is not mine. The charge-off, listed under the account number [ XXXX ], is inaccurately reflecting on my credit history. 

I have reviewed my credit report and have no knowledge of this account or any relationship with the creditor in question. This charge-off does not belong to me, and I request that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate or erroneous information removed or corrected on my credit report. I request that you thoroughly investigate this issue and provide me with confirmation that this charge-off will be deleted from my credit history. 

Please provide a written response confirming the removal of this charge-off, and kindly update my credit report to reflect the correct information. 

If necessary, I can provide any supporting documentation to assist in resolving this matter. Please contact me at [ XXXX ] if you need further information. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have received a returned mail of Alert XXXX. It was listed in XXXX soft inquires. I have checked Experian credit report and both did not include this credit card company ; however, I made sure that XXXX had included this company because it stated it had deleted this credit card company as seen in attached print out. I checked again what was Alert XXXX, but could not find any information in website.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 and XX/XX/2023, I fell victim to a multi-layered scam operation run by criminals presenting themselves as Citibank employs which involved me making deposits for a total amount of XXXX USD from my Citibank account to fraudulent firm ( XXXX ).
Product: Debt collection

I was contacted by this collector ( not the original lending company ) stating that I owed money to the original lender. I asked for more information on the matter, including a letter in the mail and was informed that the original lender had already sent XXXX letters since 2011 and that 's all they are required to do. They stated that the original lender would take legal action if I did not take care of this matter today. I told them I was unable to setup any sort of payment without more information on this loan. I have tried looking everywhere and ca n't find anything on the original company so I have nowhere to contact. The man gave me until XXXX today and I did call back before yet got his voicemail. This entire thing sounds XXXX and I do n't know all the laws of this type of situation but I did n't think what he was claiming ( the time-table ) was correct or lawful.
Product: Credit reporting or other personal consumer reports

Incorrect XXXX XXXX, incorrect name and address for my business on the credit report Correct information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX : XXXX
Product: Debt collection

I recently discovered that Capital One closed my credit card without informing me. I only found out when I attempted to use my card at a store, and the transaction was declined due to a restriction. After checking, I learned that my account had been closed with no warning. I was never notified of this closure, which caused an inconvenience.
Product: Mortgage

I spoke to multiple Escrow Dept Reps around XX/XX/XXXX and again on XX/XX/XXXX where I escalated my call to speak to a supervisor asking why does my mortgage increase every year, what formula are they using for yearly escrow analysis, and lastly where does it say I have to have a reserve account setup on my FHA loan. The representative advised me the escrow analysis is based upon XXXX mortgage insurance and taxes, but since I had a very minute escrow credit, they said my monthly mortgage payment will increase because that's the norm for FHA loan. So right now they are telling me whether I pay the reserve amount or not or elect to have it removed, my payment will increase either way which does not make sense to me. I have always been told in previous home purchases if there is an escrow shortage you have a certain period of time to pay it so that your monthly payment does not increase. The representative says that is not how it works. Actually I thought the original mortgage company said this had to be a conventional loan, because there were a lot of issues that would have prevented approval for a FHA Loan. I feel like this mortgage company is not representing its customers in an ethical manner, at this rate my mortgage will continue to go up every year so why get a FHA Loan with a fixed rate? Help me to understand how they make these rules with their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out previously about inaccuracies on my consumer report. I am completely stressed and XXXX XXXX because of it. I havent been able to work and have lost weight and my hair is falling out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and XXXX. Thank you!
Product: Vehicle loan or lease

The following companys ran my credit for auto loans that I did not authorize. Someone in Montana tried to purchase a car with my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX