23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

*I was unable to locate my previous complaint filed on XX/XX/22 and I was just trying to add to it and not file an entirely new complaint - but never received an email so not sure if it went through* WaFd bank purchased my mortgage around XX/XX/22. Since then it has been difficult to make a payment. We had to set up autopay, which included several phone calls and filing an official ticket, for whatever reason this was not an easy process online. After that we were trying to make a one time payment for the first two mortgage payments that we owed this lender and we were told by at least two separate people that we could not make a one time payment online or over the phone that we had to go to a branch. Unfortunately we could not go to a branch. I've never had this difficult of a time to make a payment. Then the last time we called we were told to just wait for autopay which then took out 3 payments ( over XXXX ) over 3 days to get us caught up. I thought that was the end of the ordeal, but we just figured out that WaFd reported the late payments to the credit agencies and it hit our credit scores. This was reported by WaFd on XX/XX/22, which was within the 60 day grace period that we had after WaFd purchased our mortgage which would've ended on XX/XX/22.
Product: Debt collection

On XX/XX/XXXX, I wrote to XXXX XXXX XXXX XXXX XXXX  ) asking them to settle for {$2400.00}, a portion of the {$9700.00} debt as I had lost my employment, could not secure employment, and could no longer make payments. I also asked them to freeze my account so we could talk about the settlement. Prior to this, I had asked for lower interest rates and they refused, saying I wasn't on their list. Just recently, I was informed that I wasn't on their list because I was a customer in good standing. 

I finally heard back from XXXX in XX/XX/XXXX regarding discussing a settlement. I called them at the number on the letter and we both agreed to a settlement amount of {$2400.00} and they went into the script regarding the settlement agreement. When they finished, I told them that I would need that in writing and I would pay. The representative told me she could not put that in writing. I did not know what to do as I read that I should make sure it is in writing ; otherwise they can just say it was a payment. If found this to be deceptive and did not pay them. 

Couch Lambert is trying to get a judgment against me in court for {$11000.00} on behalf of XXXX. I called them multiple times and asked them who they are exactly and they said they are the lawyers for XXXX. I told them about the previous settlement and they said they would settle for over {$8000.00}. I told them that is not doable. They replied that they just want a judgment against me. 

I never received anything from XXXX saying they had turned over my account to any collection agency. so on XX/XX/XXXX, I called XXXX directly and spoke to XXXX XXXX I had to ask her name and she did not help resolve my problem. She transferred me to someone else who also got off the phone without stating her name. XXXX did not state who she was transferring me to. I had been calling about a settlement that had been negotiated previously. She mumbled something about the exact negotiated amount ( so I know it is in their records ), but did not acknowledge the problem or why she could not handle it. 

I was finally transferred multiple times with mumble mouths and I was ultimately forwarded to Couch Lambert and spoke to XXXX who refused to negotiate or acknowledge any previous negotiation. 

I called XXXX  again today and was told that XXXX had charged off the account for {$11000.00} on XX/XX/XXXX and that they were not handling it. He said I had to speak to XXXX XXXX and transferred me to them. I wound up speaking to XXXX XXXX who transferred me to her boss XXXX XXXX ( the same couple of people from Couch Lambert ). I asked them if they were XXXX XXXX or Couch Lambert. They said Couch Lambert. I asked them who are they representing, XXXX XXXX or XXXX. He said they are the attorneys for XXXX I feel like I am being deceived. I again mentioned the previous settlement and even offered him {$4100.00}. XXXX put me on hold and told me XXXX would not settle for less than the XXXX. I feel like I am being deceived, that they no longer represent XXXX and that I am being scammed.
Product: Checking or savings account

I was charged 2 overdrafts for my account going in the negative. The issue being that it overdrafted based on pending charges while cleared transactions were still in the positive. That has caused a cascade effect that I can now not even pay my electric bill. I tried moving money to my other checking account and I was charged 2 fees for returning money. How can I get these fees returned? I'm going to be without electric and food on XXXX. This started on XXXX XXXX  and it's still ongoing.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, My wife and I were contacted separately about a Payday Loan from XXXX XXXX. The POC name is XXXX XXXX, XXXX, ext XXXX. The loan amount is {$1100.00}. Here is what he said to my wife. 

wo of the messages stated they were from Weiss Arbitration and one from Weiss & Associates. The first message were received on XX/XX/2018 at XXXX XXXX and XXXX XXXX PST. The first call was to my wife 's cell phone and the second on my cell phone. The voice mail stated : XXXX ( my name ) my name is XXXX XXXX calling from Arbitration. My firm has retained a file formal complaint against your name and your social. We will be conducting and in depth investigation in your finances. In state law I am required to notify you 72 hours prior to this which starts right now. You need to be debriefed on all allegations inquired from you financial institute as well as place a statement on the record. I can be at my litigation s department. My phone number is XXXX ext XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

These following accounts are inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX - XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Date of last activity is reporting 3 different dates and years XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Open date is invalid and is listing more than one XXXX XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX Date open is incorrect XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - There are 3 different dates listed for date reported XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - The date reported is incorrect XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - The high balance reported is not correct XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) -The date reported on this account is incorrect as well as the high balance reported. 

XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Date reported is incorrect XXXX XXXXXXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) - Last activity date is incorrect No statement was issued that these accounts were even in dispute so how can it be verified if it's not listed as disputed? It's been well over 30 days and still no results on any investigation. My disputes have not been taken seriously and my rights as a consumer have been violated. This has caused me unnecessary stress due to information that is being reported inaccurately. 

I thought a CRA had 30 days to complete a full investigation. Please explain to me why the law has been violated? 

A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. It has been several months now and this needs to be resolved.
Product: Money transfer, virtual currency, or money service

My robinhood account was compromised/card. They stole over {$3400.00} in funds. Robinhood only puts a measly {$13.00}. Credit in my account. But denied the rest of the same fraudulent claims that happened on the sameday. My car insurance canceled because they money I thought I was getting back robinhood failed me. Now iam facing eviction because of robinhood lack of concern or care. No CS agent can't explain how one charge was found. As fraud but not the rest that occurred on the same day. This is in totally violation of the consumer protection laws. In violation or Regulations E ... .at this time I would like my funds released to me. Thankyou
Product: Mortgage

On XX/XX/XXXX I received a letter from LOANCARE , LLC regarding loan number # XXXX, that my hazard insurance is not renewed for the year XXXX. My insurance renewal date is mid XXXX. I immediately contacted my insurance and reactivated my hazard insurance, and they inform me that the reason for cancellation was lack of payment by the mortgage company after repeated attempts.Subsequently I was informed by LOANCARE that I have to pay {$2300.00} for some hazard insurance that they paid for in XXXX. I send them a dispute letter on XX/XX/XXXX, basically complaining that they misled me in having hazard insurance, exposed me to one year of potemtial loss of property risk. I also requested the followings : 1. Please provide me with copy of insurance you purchased and a copy of any attempt that you tried to notify me of the situation from XX/XX/XXXX through XX/XX/XXXX. 
2. Please explain why my tax breakdown of XXXX received in XXXX of XXXX still shows that my original insurance was paid via my escrow account. 
3. Please provide the reason why my original insurance was not paid as being claimed by XXXX XXXX insurance. 
4. I further requested that why I am being charged with PMI although I have paid more than 20 % of my original house value. 

I just received a letter from them ( yesterday XX/XX/XXXX ), totally ignoring my request, and demanding the full payment. To me this is totally unacceptable and violating my rights as a citizen. They are not accountable for what they have done with my money ; such as what happened to the payment in my escrow account, money paid for PMI payment, and why I was not provided with any timely notification. 

I have the copy of my dispute letter and a copy of registered mail which was received by ithem ( see a copy of the letter in the attached file ). There is also a general confusion of whom I am dealing with ; XXXX XXXX XXXXs, loancare services, or insurance center, etc. This is like a maze and there is no single point of contact with physical address ( they all have PO Boxes ).
Product: Student loan

I enrolled in the XXXX plan by the provided deadline and consolidated my loans the same day. Ive had to call monthly asking whats going on as they continue to place me under a hardship forbearance I didnt ask for. Im supposed to be under general forbearance. Since just XXXX of 2025 they added over XXXX in interest. They said they didnt have me under a XXXX plan. I again send them my completed applications. My loans went from XXXX to over XXXX in a year. I plan to enroll in a different IDR plan but not until this is fixed. I should not have to pay this interest under XXXX plan forbearance. They are threatening me that in XXXX a payment over over XXXX a month is due. I have seen so many people posting on XXXX that Aidevantage has done this to them. This is criminal! Please help! Editing to add that my account shows no capitol interest but a screen shot of the account history shows XXXX in interest has been added to my account.
Product: Debt collection

I received a call in XXXX of 2015 from a person who said they were calling from a hospital I had visited several months earlier. They stated that I had a late bill, and since I had recently moved I figured it had been lost in the mail, so I paid the amount ( around {$300.00} ) right on the spot. I later found out that it was a collection agency and not the hospital that had called me. I contacted the hospital I had visited and they said all of my accounts had been paid in full and on time, and that they don't even deal with this collection agency that had contacted me. I contacted the collection agency again ( Transworld Systems ) and eventually they gave me the contact for the XXXX  company  they got the account from ( XXXX XXXX XXXX ) I contacted them and with the information i received from Transworld Systems the XXXX  company said they had no record of me ever being in their system. 

So, the hospital says that I never paid anything late, the XXXX  company has no record of me in their system, but Transworld Systems stil says that this is mine, but when I call them they can't verify anything they tell me. 

I have disputed this account with all 3 credit bureaus multiple times and provided them with documentation backing everything I have said here and yet Transworld Systems still claims this account is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS AGAINST EXPERIAN CREDIT BUREAU. EXPERIAN TOTALLY DELETED THE PREVIOUS ADDRESS OF XXXX XXXX XXXX XXXX, XXXX GA XXXX FROM OUR CREDIT BUREAU UNDER PREVIOUS ADDRESS. 

WELL, WE KNOW WHY BECAUSE THE HOME WAS PREVIOUSLY PURCHASED BY XXXX XXXX XXXX PRIOR TO US EVEN TOURING THE HOME. BASICALLY, A GREAT MAJORITY OF THE HOMES ON XXXX XXXX XXXX HAS MORTGAGE FRAUD ISSUES AND THE OWNERS ARE BEING PAID TO PARTICIPATE IN THE PROCESS. IF NOT THE HISTORY OF THE HOME HAS BEEN MODIFIED! 

EXPERIAN IS WORKING WITH ALL OF THE INDIVIDUALS WITHIN THE RICO XXXX XXXX XXXX XXXX XXXX XXXX GA TO COVER UP THE FRAND AND ID THEFT AND FRAUD. AS A MATTER OF FACT THE ATTACHED INFORMATION SHOES THIS STRAWBUYER BEING THE INDIVIDUAL FORECLOSED ON NOT US. WE NEVER RECEIVED A LOAND FOR A MORTGAGE WE WERE PAYING HIS XXXX XXXX XXXX XXXX MORTGAGE IF THAT'S HIS NAME. 

EXPERIAN NEEDS TO CORRECT THE HISTORY OF ADDRESSES, THEY WANTED PROOF SO THEY ARE GETTING THAT AND MORE. THEY NEED TO PULLED XXXX XXXX XXXX AND IDENTIFY AND QUESTION HOW THIS PERSON IS STEALING HOMES FROM PEOPLE, THE ANSWER IS THE XXXX, ATTORNEYS AND OTHERS USE HIM AS A CATALYST IN ORDER FOR THEM TO BECOME WEALTHIER, HE GETS A PORTION OF THE FRAUD LOANS HE TAKES OUT IN OTHER INDIVIDUALS NAMES AND SPLIT THE REST WITH THE ENTERPRISE. 

EXPERIAN BETTER CORRECT OUR ADDRESS HISTORY. THEY ARE SO RUDE AND IS ALSO FULLY RESPONSIBLE FOR INDIVIDUALS LOOSING THEIR HOUSES, OH YEA THEY WILL BE CHARGED AND WELL AND INDICTED, TRUST AND BELIEVE ALSO, THERE WILL BE ANOTHER COMPLAINT. EXPERIAN HAS ALLOWED COMPANIES TO PULL MY CREDIT REPORT CAUSING NUMEROUS INQUIRIES ON TO MY REPORT!
Product: Credit card or prepaid card

I applied for this card at the XXXX store in XX/XX/2019 when purchasing my new laptop. With my purchase of the laptop I was also included in the back to school program and received a free pair of XXXX headphones. The retail price of XXXX XXXX XXXX with tax ) for the XXXX headphones were incorrectly applied to my Barclay financing amount. When I made my last and final payment to my credit card I noticed that my payments exceeded the price of my laptop. I have called Barclay at least 7 times and was hung up on 4 times. When I did get through I was transferred repeatedly to the same call center person. She was very obviously upset with me and her anger came through very clearly even as she answered the phone after " transferring '' me. This was before I even said hello and even then I was not angry. I'm left with no options to get this resolved. What am I supposed to do when I call and am hung up on and transferred in the hopes I give up. This whole situation wasn't something I did wrong. I was incorrectly charged and all I want is a refund of the correct amount and to move on.
Product: Credit reporting

On XXXX XXXX, 2014 i ordered a copy of my credit report from Experian and noticed a negative trade line being reported. i further investigated the problem and came to the realization that this negative tradeline was NOT MINE, it actually belonged to another family member but it was being reported on my credit report. Within the same month i applied for a credit card and was denied the line of credit due to this negative tradeline. This is proven because the credit card company sent me an explination on why I was denied. I disputed the error on my credit report with Experian on XXXX XXXX 2014 asking for the investigation procedure. On XXXX XXXX, 2014 Experian sent me another credit report without deleting the error leading me to believe they never fully investigated the error in the first place nor did they send me any info on the investigation procedure. I sent a second dispute letter to Experian on XXXX XXXX, 2014 asking them to remove this negative tradeline as soon as possible because it is denying me a line of credit. On XXXX XXXX, 2014 Experian replied to my dispute by sending another credit report WITHOUT deleting the negative tradeline again. On XXXX XXXX, 2014, i was sent a XXXX credit report stating the tradeline was removed. This led me to wonder who furnished Experian this information. Experian never sent me the investigation procedures. Ive called Experian multiple times asking how and why this was reported on my credit report and to explain the investigation procedure to me but all I got from their employees was nothing but a runaround and invalid answers. The employees refused to give me valid answers or lead me in the right direction for correct information.
Product: Credit card

Activated credit card XX/XX/XXXX. First purchase of {$23.00} was on XX/XX/XXXX and posted XX/XX/XXXX. XXXX XXXX call from Citizens Bank that I was past due and owed {$53.00}. I never received the statement and was told by XXXX XXXX that I owed {$53.00}. I went to make a check by phone and asked her what the XXXX was for and she told me she wasn't sure other than that's what the screen told her. I said I never got a statement and she would request a new one. On XX/XX/XXXX my card was declined because Citizens lowered credit line to {$400.00} from XXXX because I never made payment. So Citizens purposely put in a billing cycle on the XXXX and never mailed the statement. I spoke with a supervisor today and wanted her to listen to the call. She advised that it is internal property and she has no idea why they were requesting the {$53.00} and I don't owe anything for {$30.00}. I call the automated system and it states I owe XXXX. I haven't received now XXXX pieces of mail. First one advising the statement, second requested statement, credit line decrease, and next statement. I asked to get my credit line reinstated because of the error or lost mail and now I need a hard pull on credit and it can take 7 days. I asked for XXXX resolution and I have to write a letter to the XXXX of the board. I am upset because they can't tell me the XXXX is generating. I also lost my credit line which means another hard pull and still no mail.
Product: Credit card or prepaid card

I made a purchase with my Chase Southwest Credit Card on XX/XX/23 to XXXX XXXX XXXXXXXX XXXX XXXX for {$510.00}. I checked into the hotel on XX/XX/23 and found it to be unsatisfactory so I contacted XXXX to change my reservation and they did so and sent me a confirmation email stating that my booking changed from {$450.00} to {$150.00}. I have that email confirmation. I also spoke with the hotel staff that evening and they said I'd receive a credit. I did not receive any credit even after several conversations with XXXX I disputed the transaction with Southwest and they resolved it on XX/XX/23 stating that the merchant said I didn't follow their cancellation policy and yet I did by calling Booking.com on the evening I checked in to change my reservation for one night instead of two and they put me on hold and confirmed with the hotel staff on site that evening that my reservation had been changed to one night and that I'd receive a refund for the second night. Please help me receive a refund for the second night as I have an email confirming XXXX changed my reservation.
Product: Credit reporting or other personal consumer reports

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Product: Credit card or prepaid card

This is not my account. I have no knowledge of this account. I am a victim of identity theft. This is just one of a few accounts that were opened illegally. I need this removed from my credit report as quickly as possible. Yes I realize some of the information is the same or very close to the same as my real information. That's why it's called identity theft. Tell me what I need to do to have the account removed from my credit report it as soon as possible.
Product: Checking or savings account

I have been contacted multiple times from scammers over the past few years about an account with US Bank that I closed back in XXXX. On XXXX XXXX XXXX I was once  again contacted about this account. No one had given me a name for the company contacting. However this time they had my full ssn, and some public information ( my address, and information on the truck I have recently bought ). They told me US Bank was going through litigations and getting paperwork to sue me over an overdraft on that account. It was not overdrafted, because I distinctly remember being embarrassed when the teller was closing my bank account and asked if I was like to keep the XXXX that was still in my account. I then hung up the phone on who I believed was a scammer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  if I ever hung up the phone on him again. To which I responded by hanging up on him, again. Blocked the number, and immediately started getting calls from a different number, which I believe belonged to him. The 2 numbers that called me where as follows ( XXXX ) XXXX, and ( XXXX ) XXXX. At this point I have come to the conclusion that both numbers were more than likely originated from a number generated and not actually tied to a legitimate business or person. I have not received any calls since I blocked those 2 numbers. I am also now in the process of going through all 3 credit companies to have my credit locked, and taking further steps to have my SSN lock as well.