23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We did a refinance with Loan Depot. We signed on XX/XX/19 and we closed with money funded on XX/XX/19. Our current mortgage has yet to be paid off. I have been in contact with the company on numerous occasions and keep getting excuses. They are telling us that the title company is delayed and they are shortstaffed, etc. This is unacceptable. It is been over two weeks and our current mortgage should have been paid off. The money has been funded since XX/XX/19. As per their own policy, the current mortgage and disbursement of cash should be done within five business days. It is now been almost 10 business days. We have not made our XXXX mortgage payment because we closed in the middle of the month and the mortgage shouldve been paid off ( and Loan Depot advised us not to ).  Now loan depot is telling us we have to make the XXXX mortgage payment because they wont payoff the current mortgage today. In addition, because the mortgage payment is late, there are late fees associated with the payment. So that means, by us making the mortgage payment this month, we are losing money on this refinance deal, the cost of the mortgage payment, because we have to come out of pocket. Also, the current mortgage payoff has expired and now they have to obtain a new one! I will absolutely NOT recommend this company to anyone! We are very disgusted with this company and their unprofessionalism.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX XXXX TransUnion these found accounts. These accounts ... .lm askin to be removed ... .. Due these accounts showing doesn't belong to me the disputes lasted over 90 days then I won the dispute. Then l received a written letter statements saying they were going to remove but pinstead these accounts still found on my credit report XXXX XXXX account # XXXX in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I cashed in XXXX points for 2 tickets to XXXX XXXX @ XXXX XXXX. This game was on XX/XX/2021. I never received these tickets. I booked airline tickets for 2 and a hotel which I ended up canceling after numerus phone calls and messages. I did at one point receive a voice mail stating the tickets were emailed to me. This was not true! I did not receive confirmation of such email. Barclays bank owns me those points back.
Product: Credit reporting

I have previously notified the credit bureaus this is a result of fraud and sent the police report. I am very upset this is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Delete for Violation The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, A The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX  2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report my information incorrectly. My name is XXXX XXXX and my only address is XXXX XXXX XXXX XXXXXXXX, TX XXXX there should be no other names or addresses listed on my report. I have provided all required documents to the consumer agencies to verify this information.
Product: Debt collection

National Credit Systems is committing fraudulent practices. This collection Agency has reported to the Credit Bureaus that I owe 2 times more than what was agreed upon. I have disputed this debt with National Credit Systems 2 times, back in XX/XX/XXXX and again in XX/XX/XXXX. Their responses has been a copy of a lease and an itemization list showing fraudulent charges from the apartment complex I was previous with. Not only I have solid proof that the fraudulent charges were added after I have left the apartment complex. But I can prove that the apartment complex gave them the information that lead up to these charges. In addition : 1 ) National Credit Systems are in direct violation of 15 U.S.C. Section 1692 ( g ) ; Sections 808 part 1 and 809 ( b ) of the FDCPA. 

2 ) I do not have a contractual agreement with National Credit Systems.
Product: Debt collection

XXXX 2021, Consumer requested debt validation and to cease all debt collection activities from Portfolio Recovery Associates according to the FDCPA. Consumer requested to remove alleged debt from consumers credit file. Debt Collector and agents within, denied lawful proof of validation and furthermore continued debt collection activities ignoring consumers cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the inquiries in. question. ( XXXX ) XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. ( XXXX ) XXXX. ( XXXX ) XXXX finance. ( XXXX ) XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Debit card for Regions bank account stopped functioning in readers around XX/XX/XXXX. When I went online to request a new card, I discovered the address was outdated and I had to update it. Customer service advised me that updating an address blocked me from requesting a replacement card for at least one week. 
Efforts to move money from Regions account to an external bank account associated with the same SSN were not successful. It appears Regions was also not able to complete those transactions. This blocked another option for accessing my funds. 
XX/XX/XXXX I requested a new card through the usual online process. According to customer service, card was mailed out on XX/XX/XXXX. 
On XX/XX/XXXX I discovered that Regions has separate address lines for each account, and I had only changed the address for the " global '' settings. I contacted customer service to make sure the card was sent to the correct address and customer service verified the address line by line. I was advised to be patient for the card to arrived. 
On XX/XX/XXXX I contacted customer service when no card had arrived. Customer service asked me to verify the address ( same one as was verified by them on XX/XX/XXXX ) and when I did that, they informed me the address had most likely been misprinted, making the replacement card undeliverable. They advised I call a phone number to get an expedited replacement. 
Any efforts to contact Regions by phone have only resulted in getting stuck in a voice memo system. I returned to customer chat. They informed me they would charge me {$25.00} for an expedited replacement, even though the error was completely on them. When I persisted in saying I would not accept those charges and still expected a replacement card in a timely manner, they suggested I was to blame because of the address change a week prior to my request. When I presented them with evidence that they told me they sent it to the right address on a chat on XX/XX/XXXX, then told me they misprinted it on XXXX, they went back to telling me they were obligated to charge me to expedite my card. 
We have gone a month without debit card access to our account funds. While we can move some money digitally, Regions has greatly restricted our access to our own money by their own poor customer service. We have to pay some expenses with cash or a bank-linked card, which we were using the debit card to pay. With that option unavailable, I have had to pay {$20.00} in transaction fees through this bank ( so far ) in order to move our cash to places that we can access it. I should not have to pay money to access my money, nor should I have to pay a bank extra fees for them to fix their own mistake.
Product: Checking or savings account

I have been charged overdraft fees for transactions that I had the money in the bank. I swiped my card for a transaction the day I was in the positive, and days later charge overdraft fees for those same transactions because they was still pending status.
Product: Debt collection

On XX/XX/XXXX, I was contacted by a 3rd party stating that they were trying to serve me legal papers for a collection agency for a debt that was owed in XXXX. She stated that they tried to contact me back in XX/XX/XXXX and they were now pursuing legal options and they would be placing a judgment against me. I explained that I had already submitted a debt validation letter and the information that they sent me was not suffice to establish that this was my account. She then said they would continue to pursue legal action and I explained I did not believe this was my account. She then said well I doubt a criminal would pay an account on time for years and then not pay all of a sudden. I then explained that this debt is way past the statute of limitations and she explained that according to their tolling agreement when approving the credit, the creditors can do whatever they want to pursue this debt and then she told me to XXXX it. I told her to do not call me again, I would be sending a cease and desist letter and she said she would notate the account and hung up in my face. The collection agency is LVNV Funding LLC. The 3rd party that contacted me on their behalf just said they were legal services but the phone number is ( XXXX ) XXXXThey also called an ex boyfriend of mines as well and provided him with information that they shouldnt have.
Product: Credit card

I am disputing the collection account with DISCOVERBANK account number XXXX dated XXXX XXXX with a balance of {$460.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that DISCOVERBANKC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Student loan

XXXX  XXXX. Since XX/XX/2016 Navient has been billing XXXX reporting on loans I do not owe. They have XXXX  me financially, XXXX, XXXX XXXX  XXXX. I've told them I have a XXXX  XXXX XXXX  sent them 733 documents proving the incorrect loans XXXX  amounts for 5 years. I was also informed by the Treasury Department that employees stole my identity. This was reported XXXX  the FTC. I have file bankruptcy, been XXXX  twice XXXX  will now end up on the streets a third time as I'm XXXX, XXXX  with nothing. Navient had XXXX  XXXX  XXXX  me for money I do not owe.
Product: Credit reporting or other personal consumer reports

I recently received my credit report, and some inaccuracies are reported to my credit file. I am distressed because I gave XXXX, XXXX, and Experian notice that they were unlawfully reporting inaccuracies to my file and my claim has been ignored. 
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, credit reporting agencies can bet that I'll be taking action to get it removed. I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, credit reporting agencies must report any allegations with the greatest compliance and accuracy possible. If credit reporting agencies do report such claims, they could be subject to fines or other penalties.
Product: Credit card or prepaid card

Recieved a phone call around XX/XX/21 from XXXX XXXX asking if I had applied for a card, which i said no. They said they would disregard the application they had received and put a fraudulent notice on it. 

XX/XX/21 Received a debit card and a XXXX  card from USAA. Called and spoke to them and told them I never applied for these cards. They said a fraudulent application was on file and advised me to notify credit bureaus. I put a fraud notice in with XXXX. 

I am notifying you now, as I am now afraid someone has my personal information and is trying to open accounts. My husband and I will be purchasing a home soon around XXXX of this year with XXXX  XXXX  and I do not want any trouble or damage done to our credit report.
Product: Debt collection

XXXX have charged me for services I did not owe due to their computer software change in XXXX and XX/XX/XXXX. I have been unable to communicate with XXXX accounting during those months to rectify their mistakes in accounting. Their accounting representatives and supervisors were unable to help in anyway, and I received multiple different answers to my disputed charges. I finally contacted XXXX to resolve my dispute. XXXX resolved the dispute in late XX/XX/XXXX. I thought the matter was closed. In XX/XX/XXXX, I received a letter from Caine and Weiner Collection Agency demanding I pay {$1600.00} for the debt to XXXX. I have disputed with both XXXX and Caine and Weiner to no avail. I must dispute directly with XXXX accounting. I have tried to do contact XXXX on XXXX XXXX, XXXX and XXXX, XXXX. I continually am directed to automatic answering telling me to leave my telephone number and account number and they will return my call within four hours. I do not receive return calls from XXXX. How can receive proof I owe or provide documentation I do not owe XXXX this debt if they will not communicate with me. This has now affected my credit score. I believe fraud is occurring when XXXX computer system was changing during the time their services were concluded with me. The charges are erroneous. Y
Product: Debt collection

I have been living in XXXX since XX/XX/2022. There is no way i lived t this property. this property is near a college campus and they prey on XXXX XXXXXXXX XXXX. I lived in XXXXXXXX XXXX for years. I lived on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I lived with my ex girlfriend and we broke up. Ican only assume her or her and her twin sister together stole my identity. we had lived together for years so i can only imigine we shared even XXXX accoints for streaming. somehow they got to rent an apt in my name i have will file a police report. i have been living in alalska and have not returned to the lower XXXX this property mangement company is racking up debt on me that does not belive to me i m contact your office for help
Product: Debt collection

The so called " DYNAMIC RECOVERY SOLUTIONS '' Claims to be a debt collector, and claimed that I owe XXXX XXXX an unpaid amount of {$570.00}. This was a major surprise because I only purchase prepaid services from XXXX. Therefore I called the " Dynamic recovery solution '' and asked them about the statement I got from them. They claimed that the debt was for an unpaid bill dated 2010, and that a XXXX service was connected to an address and the final bill was not paid so the amount accumulated to what it is now. When I asked about the particular address to which XXXX service was connected the response was that they will provide a report in a month time which will show the address. It 's been four months by now and no report have been sent so far. On the phone I explained to them that I did n't have any physical address at all in 2010, and that I only purchase prepaid services from XXXX. After my explanation they asked for police report. But I also took their debt claim to XXXX of the XXXX retailers, and their first response was that that is a hoax. A XXXX representative, XXXX XXXX, found out that the account that the debt collector claimed to be mine did not even exist. Therefore, given the facts about this case and the debt collectors persistence to pursue this debt it should be clear that the debt collector is a scam and no more than that. Please take legal action against them to put them out of business for good because when I XXXX their name there were many other people that identified them with a scam. Thank you for your time.
Product: Student loan

Navient modified their online payment system to prevent paying into individual loans. 
They instead group loans together and apply payments across them. 
This makes it impossible to pay off a high interest loan faster than a low interest loan. 
This is a problem because the option was there in the past.
Product: Mortgage

I believe I am being asked for irrelevant information from my bank when I applied for a {$25000.00} loan for a {$75000.00} property. This has been three weeks of asking for sometimes duplicate information or impossible information. For example, my mailing address is different from my street address and they need 'proof ' of that. I told them it is a gated community and EVERYONE has a box within the community mailroom but they 're insisting that my mailing address is actually a property. I have no proof but that ca n't possibly be a unique situation. I also have a annuity that they 're asking for a three year continuance award letter. There is n't any because I could simply take it all out one day ; it 's an annuity. No guarantees. I do n't know if they do n't know what they 're doing, but every day they 're asking for some other 'proof ' of something. I signed a form to give them permission to get a copy of my tax records three weeks ago and yesterday they just asked me for a copy of my tax returns for XXXX and XXXX. It just goes on and on. They should have given me a list of what they needed, but instead, different people contact me for different things. We have an excellent credit record and assets to more than cover the loan, I feel as if I 'm being harassed.
Product: Debt collection

This creditor never contacted me about this account.

Now that I'm in the

process of getting a Mortgage this account has shown up on my credit report and dropped my score over 35 points making my mortgage approval fall through after I have put in my 30 day notice with my landlord. I am livid that this account is now showing up on my credit report and nobody has ever contacted me about this. I want this account completely removed from my credit report bef
ore I am XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 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 inaccurate.