23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Specialized Loan Servicing purchased my loan from XXXX XXXX in XXXX of XXXX I was not aware of this change. In XXXX of XXXX I received a notice from Specialized Loan Servicing ( SLS ) stating that I needed to pay over {$15000.00} to get my loan current or they would foreclose on my home. I contacted SLS and stated that I did not know who they were and asked when they took over my loan. I stated that there was no way that my loan would be that far behind since they purchased it in XX/XX/XXXX. I was told I had not made a payment in over a year. I was told that if I did not pay that amount that I would lose my home. I was capable at the time to make this payment because I had lost my job and withdrawn from my retirement. SLS considered my forebearance as currently owed. I paid this amount which caused a significant financial hardship to me and my family. I was unable to make a payment after that because I was not working yet. It took me some time to recover from this financially and was in a position to begin making payments in XX/XX/XXXX but my Identity was Stolen. This caused an additional hardship for me and my family. I received my tax return with intent to pay the amount I owed, but was told that if I sent my payment that they would send it back. This was before my home was foreclosed on. At no time in XXXX of XXXX was I offered any payment assistance, modifications, or any other actions this lender should have offered me at that time. I am requesting a rescission of my foreclosure immediately in order to address the errors in the servicing of my loan.
Product: Credit reporting or other personal consumer reports

I have made an identitytheft.gov report based on multiple fraudulent accounts appearing on my Transunion credit report. I was involved in the XXXX data breach, so I feel like my identity was vulnerable to identity fraud and it started all of this happening to my credit profile. 
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 I am attaching my original TransUnion letter that was sent a few weeks ago. In it includes some of the inaccuracies on each of the accounts. All three bureaus are supposed to match 100percent which they failed to do. I. Want an investigation to fix every mistake on each account. Some of these accounts are very old and shouldn't be reporting anyways. If they fail to fix each account so they are matching the other two bureaus 100 % or delete each of these accounts immediately. I appreciate your help in this matter and I'm looking forward to hearing back from you. Thank you.
Product: Mortgage

We had a barn fire that resulted in a total loss of our barn. XXXX XXXX issued the check to replace our barn to the mortgage come Freedom Mortgage of $ XXXX. Freedom Mortgage released XXXX of that and is holding the rest XXXX. We have had to take out a personnel loan to just cover the labor costs and now are being put in a situation where we will have to get another loan to pay concrete and electrical due to the mortgage company holding funds that are not rightfully theirs to with hold. This was an outbuilding that burnt down and had zero impact on our appraisal at no time should a mortgage company with hold funds that require home owners to get personal loans on to rebuild when the insurance company has provided them. We have provided estimates and they sent a third party with a camera to take photos so they could determine how much of the barn is completed? What if we had not decided to rebuild? This is unlawful I could understand had it been our home but still to put out families to get loans on their own to rebuild is ridiculous and should not have to be the norm for anyone.
Product: Credit card or prepaid card

On XX/XX/2022, I requested to Affirm a dispute for the loan ID that I mentioned at the beginning. 
On XX/XX/2022, I received a message from affirm asking for more information in order to investigate further, this claim is related to a transaction using a XXXX XXXX XXXX facilitated by Affirm. Affirm informed that the process takes 30 days to come to a resolution. 
On XX/XX/2022, I sent Affirm a text screenshot evidencing my allegations, even because this dispute is related to a XXXX XXXX XXXX Affirm should follow Regulation Z under 12 C.F.R that protects customers per electronic transactions protection. 
On XX/XX/XXXX I sent another email to affirm because they still demanding payment for this disputed transaction and a case is still not open. 
On XX/XX/2022, I sent another message to Affirm because I was notified that if I don't make a payment to Affirm for this transaction I would be reported late to XXXX and until now XX/XX/2022 Affirm hasn't open a claim even though I requested a dispute process to be since almost 2 months ago " 60 days ''
Product: Vehicle loan or lease

Company repeatedly misapplied loan payments, wrongfully foreclosed on homes and illegally repossessed vehicles, incorrectly assessed fees and interest. 

Fees added incorrectly
Product: Vehicle loan or lease

Tesla has failed to refund my money to XXXX XXXX as promised within the XXXX business days, leaving me paying for a car I do not have. It has been XXXX  days with no resolution despite my persistence. Customer service has been unresponsive, and Tesla Duluth has also failed to file the necessary car registration paperwork, leaving me without a permanent license plate. I demand an immediate refund to XXXX XXXX, confirmation of the refund, and resolution of my registration issue. Teslas lack of accountability and communication is unacceptable.
Product: Debt collection

I have three collections accounts reported on my XXXX   credit report which are not mine and are falsely reported in the amounts of {$1600.00}, {$320.00} and {$740.00} by AARGON. I have submitted several disputes via XXXX  online and provided sufficient documentation proving that I do not owe this debt. 


Below, you will find recorded correspondence to which I documented, providing the hospital with my information SEVERAL TIMES to bill my insurance company and they still failed to do this on time within the timely filing window. I do not authorize XXXX hospital or any of their contracted medical providers, physicians or nurses to release my medical records to XXXX  or AARGON. 

I have disputed these debts several times and have asked for proof of debt several times, through the XXXX Hospital medical billing department and they have not provided proof that I owe the debt. They say that since they have sent my accounts to collections, they no longer have my medical records on file. With that being the case, how can they possibly prove that I owe the debts when they don't have my records on file anymore? 

Below is my documentation of providing insurance info on time : XX/XX/17 : Nurse named XXXX asked for my insurance info and I told her I was covered by XXXX  under cobra. My insurance info should have already been on file since I recently was at the hospital on XX/XX/17 and XX/XX/17 under the same coverage XX/XX/17 : Discharged from the hospital XX/XX/17 at XXXX : XXXX Spoke to XXXX at XXXX and provided her with my insurance info XX/XX/17 at XXXX : Emailed a help ticket claim through XXXX  website since I have not heard back from XXXX Hospital billing XX/XX/17 at XXXXXXXX XXXX 
XXXX Called and left a voicemail and asked for an update on whether my insurance info was applied to my outstanding hospital bills. Did not receive a call back or any updates XX/XX/17 XXXX XXXX Called XXXX  since I got a letter in the mail saying I might be eligible for medical grant. Spoke to XXXX, and she told me she could not help me since I am insured. 
XX/XX/17 XXXX XXXX Called business center and spoke to XXXX Spoke to and she verified my information and said she was sending it to the hospital so that they can bill my insurance, XXXX  XX/XX/17 XXXX XXXX  XXXX XXXX called me back, we are looking into the various claims and she sees on her end that I should be receiving updated bill for my claims. My insurance information is visible on her end.
Product: Payday loan, title loan, or personal loan

I have been making my payments on time and also paying extra money towards my bill. But seems like I'm not getting anywhere with the bill. It's like the bill is steading going up and not down. If anyone is considering CareCredit, I would tell them to really think about it because you will be paying them forever.
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX I used U.S. Bank ATM XXXX XXXX XXXX XXXX TN, to try to withdrawal XXXX $ and it did not dispense my cash. Said the atm timed out and it would not charge me but yet my account was debited XXXX $ XXXX called my bank and I was told I had to wait 7 to 10 days to file a dispute to call the bank of the atm. U.s. Bank told me since I wasn't a customer of theirs, there is nothing they can do to file a dispute with my bank. 
So I have to wait 7 days to file the dispute on top of that wait however long it will take to do the investigation. The problem with that is my bill that is do tomorrow is not going to wait. I will receive late charges, and depending on how long it takes possible disconnection. ( even if I get my money back because I have read several complaints of people who has deposited and the money was not credited to their account as well of others saying they did not get their money after the atm did not dispense from U.S. Bank ). I'm beyond livid. I'm very limited to money because of Pandemic. I should not have to wait weeks for a error of U.S.Bank
Product: Checking or savings account

All dates/times listed below are in XXXX XXXX XXXX. 

On XX/XX/XXXX, I opened Rewards Checking Plus from XXXX ( https : //www.upgrade.com/ ) after seeing " Earn {$150.00}! * Once you sign up for Rewards Checking Plus and direct deposit at least {$1000.00} in XXXX  days, both you and your friend can receive a bonus. '' The terms and conditions ( which I have saved to my laptop ) state : " New Customers If you do not currently have or have not previously had a checking account through Upgrade ( a New Customer ), you can receive a Welcome Bonus ( defined below ) if you ( 1 ) use an Existing Customers unique referral link to open a new checking account through Upgrade, subject to account approval, by the Offer Period, and ( 2 ) set up direct deposit and make {$1000.00} in Eligible Direct Deposits within XXXX ( XXXX ) days from account opening ( a Qualified Registration ). If you complete a Qualified Registration, you will receive a welcome bonus in the amount presented to you when you open your checking Account if your account is opened by the Offer Period [ and you make the requisite deposits ] ( the Welcome Bonus ). '' On XX/XX/XXXX, a part of my salary ( {$1000.00} ) was direct deposited into the said account, which was well within the XXXX days mentioned in the terms. 

At some point, I stopped seeing a relevant promotion in their mobile app. On XX/XX/XXXX, I called customer service about why, and I was told that the promotion " expired on XX/XX/XXXX. '' I told her that I should have XXXX  days to make the direct deposit according to the terms, but she just repeated the same response over and over again until I hung up. 

XXXX was XXXX days after account opening. It's been XXXX weeks since the XXXX days passed from account opening, and I still haven't received the bonus.
Product: Debt collection

In the month of XX/XX/year> I applied to XXXX XXXX as a student housing applicant and paid an application fee. I signed a lease to start in XXXX of 2023. My grandmother became sick and I had to leave my college to take care of her and could not move into the apartment anymore. I requested information about subleasing and/or cancelling the lease. The property manager informed me I had to sublease it to get out of it. I was in constant contact throughout the month of XXXX as they found another college student to sublease. The last email I received from the property manager was on XX/XX/XXXX to inform me someone has took over the lease and to pay a fee. I emailed and called constantly for over a month on how to sign the paperwork and settle any balances I owed. The property ghosted me and never answered me again. Someone finally picked up the phone on or around XX/XX/XXXX and said if my portal account was closed then any balances had been settled. All of a sudden in XXXX of 2023 I get a credit alert that a collection of {$850.00} has appeared on my otherwise perfectly clean report. I have tried to dispute this with XXXX and XXXX and can not get ahold of a live person. They keep leaving this on my credit report even though Ive had no proper notice to dispute with the collection agency before it hit my report. Now I have been unable to rent at another property because this is showing up as a negative rental history. 
I have tried to explain this to the collection agency and ask why I was never sent a proper notice. They told me they sent me a notice to my last known mailing address. When I asked them what the address was they gave me a completely wrong address that I have never lived at. 
I feel as though I am being extorted to pay this {$850.00} or else I will not be able to get this off my report. I never had an opportunity to even know about this debt before it has negatively impacted my loan options and rental history. I believe this is highly illegal and should be taken off immediately since I have and have always been open to resolving or looking into any money I may owe.
Product: Credit reporting or other personal consumer reports

In XXXX the investigation was proven that the XXXX late payments that were reported to all 3 credit bureaus were inaccurate. It was supposed to be corrected on my credit report after 60 days but my credit score has not increased. The late payments were removed within that month but my 3 credit bureau scores did not change. This investigation happened with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was paid in full. They never closed the s count acted I paid it. Last month I disputed the incorrect account information with them about the inaccurate detailing of this account. They have entirely two different balances on my XXXX and Transunion reports. They then pulled me credit last month twice without my consent and then flagged my credit report as 30 days late after I disputed. These people are crooks. The credit bureaus keeps verifying the account and havent seen proof of how they verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Account # XXXX XXXX XXXX XXXX Acct # XXXX 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 acoount without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act. You guys have violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account Name XXXX XXXX XXXX XXXX Account Numbers # Has violated my rights. 15 u.s.c 1681 section 602 A. 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 an account without my written instruction. 15 u.s.c.1681 C. ( A ) ( 5 ) section state : 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 conviction of crimes which antedates the report by more that seven years. 15 u.s.c. 1681 s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. Iam a natural person, Iam a living human being I have the right under 15 u.s.c 1681.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX Balance {$340000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$550.00} XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that your reporting agency, block and remove the information that is on my report as a result of identity theft, fraud, and human trafficking and debt bondage within 4 business days. I have attached all the necessary supporting documents including a police report from the XXXX XXXX police department. the fraudulent accounts consist of an auto loan from XXXX XXXX XXXX opened XX/XX/XXXX ), a personal loan account opened by XXXX XXXX opened XX/XX/XXXX ), and ( XXXX opened I also have a publics records of a XXXX  XXXX and XXXX bankruptcy that im requesting to be removed and blocked due to the company not being able to provide a reasonable explanation on how my person information was obtained. I have also enclosed supporting documentations for that as well
Product: Mortgage

In XXXX I refinanced my three properties with XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Primary XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - Mother-in-law home XXXX XXXX XXXX Ter. XXXX XXXX, FL XXXX home The Mortgage officer informed me the only way they would do the loan is if they bundle the three properties under one mortgage and that the loan would have to be under my company name. 

Because my wife had XXXX and we were needing the funds we took a {$630000.00} across the three properties which at the time were worth {$1.00} XXXX It was supposed to be a temporary loan for 2-years and then they said I could refinance with a conventional mortgage afterward, but if I needed it for my family I would have to do this. 

In XXXX of that year, Mr. Cooper sent notice they were servicing the loan. 

The pandemic hit us like so many people and I reached out to request a forbearance or assistance from Mr. Cooper. They told me I needed to go BACK to XXXX who originated the loan. I spoke to the individual and they said they would put through the forbearance. 

in XXXX of XXXX, I received notice XXXX XXXX  was beginning Foreclosure on the properties. When I contacted them, they stated XXXX did not place the forbearance at all and because the loan is against the three properties I wouldn't be eligible. 

Unluckily the pandemic slowed everything down as I franticly looked for a solution. 

I was eligible at the time for refinance but was told that I couldn't because 1, The properties couldn't be separated 2. The Lis Pendandt needed to be released by the lender to do so. 

I attempted to sell one of the properties but I couldn't separate the properties After speaking to XXXX again to assist me, they refused and said the case was transferred to Mr. Cooper. When I called Mr. Cooper they stated they said they couldn't help me because they were just servicing the loan and I needed to speak to XXXX I was nervous to lose my property so I contacted Loan Lawyers in XXXX XXXX to help. 

They Began the process of giving me time to find a solution, but the issue with the list pendant is an issue. I also noticed the mortgage did not appear on my credit report which causes other issues with home lenders. 

I was finally able to attempt to secure a loan to payoff and start fresh with a private lender, but the gentlemen died of XXXX recently and I was unable to continue the issue Loan Lawyers had a few hearings and now there is a hearing on XX/XX/XXXX for judgment
Product: Debt collection

This is with penn credit at the XXXX County clerk of court,  XXXX Florida. I had an arrangement for court fines for XXXX down and XXXX a month for remaking balance, on XX/XX/XXXX I called penn credit and gave a updated debit card info and was not told the payment did not clear. On XX/XX/XXXX, penn credit took XXXX payment from my account, I received a letter stating, my license would be suspended on XX/XX/XXXX this is the same account that penn credit deducts payments from, my XXXX account for. I was told to make another XXXX payment on XX/XX/XXXX and make payments for the suspension fee would be resolved. The suspension was not resolved but penn credit continues to deduct funds from my checking account for XXXX County clerk of court. They are not biding to their own agreement, but are taking funds my account. If my account was no longer valid for the arrangement. They were not to take funds from my account, up to this day they have dedecuted funds my XXXX account, but have not went by their agreement plan for services. The customer service reps who I have spoken to since XXXX, has told me different stories, lies, rude and absolutely no resolve to this issue.
Product: Prepaid card

I have an AmEx gift card from my employer I want to apply to my XXXX reload balance. It won't go through. I get the message " payment revision needed. '' I'm using my name and billing address. 

I tried on XX/XX/XXXX and again on XX/XX/year> to apply {$190.00} of a {$200.00} card. Multiple tries failed. I did an online chat with an AmEx customer Service rep. They couldn't help me. 

I have another AmEx gift card from my employer for {$250.00} that I tried to apply to XXXX on XX/XX/XXXX for the {$190.00} reload that previously failed. That card also failed with the " payment revision needed '' error. Together they total {$450.00} that I can't use.