23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2020, I was contacted several times by " XXXX XXXX XXXX XXXX '', to refinance my house mortgage loan for a lower rate. After speaking with them I decided to take the offer and refinanced my mortgage loan. 

They had promised to give me a lower rate and affirmed that everything was valid. I closed on the refinance on XXXX XX/XX/2020 with a principal balance of {$270000.00}. I was told that I had a mortgage with XXXX XXXX XXXX. 

So I've been paying my mortgage for 2 years and 2 months now. Previously my monthly payment was {$1700.00} after a while XXXX raised my payment to {$2000.00} a month after they had fabricated some stories. They took possession of my previous escrow account and never reimbursed it to me, then claim that they had to charge me extra to catch up. 

Now after 2 years they decided to sell my mortgage to another company called " XXXX XXXX XXXX ''. for {$260000.00} And this new mortgage company now charge me for all the closing costs and claim that I owe them XXXX. So after more than 2 years my mortgage barly went down because XXXX has been taking all my payments for interested and fraud and have taking advantage of me. 

I'm complaining for XXXX to return to me all the money that they've taken from me unfairly, that they remove all the fees that they're trying to charge me and that I refinance with a decent mortgage company. I want them to return most if not all the payments that was supposed to go to the principal of my mortgage.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2016 I took a personal loan with Lendmark Financial Services in XXXX VA for {$2500.00}. The loan was for 36 months at {$150.00} a month payment. I have never miss a single month payment, I only have 1 or 2 at most 3/4 days late payment that I call them in advance for. I was told by the Virginia office representatives that as long as the late payment is less than 8 days I will not be charged late fee. I also changed my due date from the XXXX of the month to the XXXX and I was told that I will not be charged a fee or interests. I was told many times that my last payment date is XX/XX/XXXX. All of a sudden theres a {$250.00} extra in my loan that they can not explain, even the Virginia agent was surprise and confused about the extra fee. The Virginia agent called and tried to explain the extra {$250.00} but he could not clearly articulate why theres an extra {$250.00} on a loan that supposed to have only {$150.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  Account # XXXX, XXXX/XXXX/XXXX  Account # XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, XXXX they told me I've never missed a payment, yet TransUnion refuses to remove me from being listed as late on these accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do TransUnion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. Please remove these accounts immediately because they are impacting my ability to gain credit.
Product: Debt collection

I have been dealing with ID theft issues, etc. since the XXXX at which point I was a preschooler apparently with a mortgage. I had to end up freezing my credit reports in the early XXXX and have had numerous fraudulent accounts opened in my name since unfreezing in XXXX. I was unfortunately a victim of several major data breaches, including the XXXX data breach of XXXX. Now, Resurgent Capital Services L.P. c/o LVNV Funding LLC is negatively reporting a debt of {$1800.00} which it alleges that I owe although I have previously contacted these people and the FTC about ID theft regarding 2 other fraudulent accounts that they were attempting to collect on which have since been closed after research. Now this current account has emerged from out of nowhere. I have no knowledge of this account nor the other 2 they ended up closing after research and they have only provided a digitally signed document after 60 days of correspondence. I am not even sure where this money went but I have had bank accounts, credit cards, and business accounts associated to me fraudulently for a number of decades now. They have not provided any indicia of proof that the digital signature sent is in fact mine nor any proof that I received the alleged money owed. I have asked to provide information regarding their validation of this alleged debt which they have failed to do as well. Further, they have not provided any information or proof that they own this debt ( i.e. the purchase and sale contract/agreement regarding the purchase of this debt from XXXX ).
Product: Debt collection

I made a payment through a verified checking account. The payment posted. 5 days later, I received an email stating that the payment had been returned code XXXX account or wrong name on account. I asked the bank to verify the name and account number that they submitted in which I received no reply. Returns can not be issued to a closed account as closed accounts are not open for credits or deposits. I called the company to inquire as to why the payment was returned. I spoke with a XXXX and asked for a full transaction audit history, not an account summary. I received no reply in 30 day. I then wrote the company a letter asking to validate the debt through a full transaction audit and emailed to the companies provided email address. I received an automated reply that the address was not monitored. I emailed the letter to a different company email. I received an automated reply stating that if I needed further assistance to contact customer service to assist further. I emailed the letter for a XXXX time.I am seeking validation of debt through a full transaction audit.
Product: Debt collection

I am unaware of this debt. I never received anything from this company that gave me chance to dispute this debt. This violates my federal rights.
Product: Debt collection

Date XX/XX/year> Original Creditor Name is Military Star Account Number i Have With the Original Creditor XXXX RE : Notice of Violation of the Card Holder Agreement Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the 3 major credit bureaus. Upon signing up and accepting the terms of the credit card associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. 

I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 

This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX acct # XXXX Military Star acct # XXXX Below is the changed name and changed account number! 
XXXX XXXX XXXX XXXX account number XXXX.
Product: Checking or savings account

Good morning and happy holidays I was just notified that Bank of America denied my claim i made for fraudulent charges from XXXX. 

The fraudulent charges added up to $ XXXX and they began around XXXX am on XX/XX/XXXX. I reached out to BofA as soon as i saw the charges and i was told i have to call back once the charges post which i did. 

Tried multiple times to reach XXXX and also sent a total of XXXX emails between XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX along with multiple phone calls which i have not received a response to. 

The account was hacked and whoever hacked the account changed my login information, Email address, Phone number and whatever other information they did since i still do not have access.
Product: Mortgage

Approved for a XXXX with Wells Fargo Bank and now had to firer contractor due to not completing the work in a timely manner. Then told that new contractor that wanted to use is not being validated. Please review there process of identifying qualifying contractors and making you pay for contractor work that is not inspected by them or county departments. I 'm now paying a mortgage and not in the home. This hurts home owners and the mortgage industy. 

Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the below-listed problems be fixed several times. The Credit agencies and letters and telephone calls in vein to the Company reporting the trademarks in error. Every trademark being reported has errors listed, The most serious, is XXXX, and XXXX XXXX XXXX, XXXX. They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full, XX/2015, respectively. See Attched documents : There are XXXX more Trademarks with issues listed on each Credit report. <P/>ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 : Letter, Payment etc. Bach-up documents for my claim
Product: Credit reporting

In XXXX, Equifax was reporting an account I have accurately paid as agreed, closed and a zero balance. In XXXX, Equifax started reporting the same account as open, and currently past due for {$3400.00}. Last updated was XXXX XXXX XXXX after several disputes. I contacted the creditor and they verified that the information is not reporting correctly on my Equifax Credit report but informed me to file a dispute again and again to fix the issue. I feel that Equifax is not even contacting the creditor.
Product: Vehicle loan or lease

On XX/XX/XXXX, I, XXXX XXXX, entered into a consumer credit contract with XXXX XXXX XXXX for the purchase of a vehicle with XXXX  : XXXX. As part of this transaction, I was required to make a down payment of {$XXXX}, which I paid in good faith. 

Over time, I discovered several violations of federal consumer protection laws related to this transaction. Specifically, XXXX XXXX XXXX failed to provide the necessary disclosures and falsely required a down payment. In addition, XXXX XXXX XXXX sold my personal information to XXXX XXXX XXXX without my consent, which led to further violations. 

XXXX XXXX XXXX subsequently engaged in fraudulent collection practices, demanding payments that I did not owe. This resulted in an overpayment of {$XXXX}. Moreover, they have fraudulently held the title to the vehicle, preventing me from exercising my rights as the rightful owner. 

Despite my repeated efforts to resolve these issues, including sending multiple letters to both XXXX XXXX XXXX and XXXX XXXX XXXX, the following actions have occurred : XXXX XXXX XXXX : They have removed the debt from my credit report but have failed to return the {$XXXX} down payment that was illegally obtained. 
They have also failed to release the title of the vehicle, which is currently held by XXXX XXXX XXXX under false pretenses. 
XXXX XXXX XXXX : They have not refunded the {$XXXX} that was fraudulently collected. 
They have continued to hold the vehicle title illegally, preventing me from gaining full ownership rights to the vehicle. 
On XX/XX/XXXX, I sent a final notice to XXXX XXXX XXXX, demanding the return of the {$XXXX} and the release of the vehicle title. I gave them 15 days to comply with this request. On XX/XX/XXXX, after receiving no satisfactory response, I sent an " XXXX XXXX XXXX '' letter to XXXX XXXX XXXX, reiterating my demands and informing them that I would pursue legal action if the issue was not resolved. 

Despite these formal communications, XXXX XXXX XXXX has failed to address my legitimate concerns. The lack of action on their part has caused significant financial and emotional distress, as I am unable to exercise my rights as the rightful owner of the vehicle.
Product: Debt collection

XXXX XXXX : Rent Recovery Solutions XXXX. 

Account XXXX : XXXX. 

Date Assigned : XX/XX/year>. 

Disputed information : XXXX collection account. XXXX was paid in full on XX/XX/year>, move out date was XX/XX/year>. Final account balance provided by building was paid in full on XX/XX/year>. The apartment was fully inspected by building management prior to move out date, and new tenant moved into XXXX on XX/XX/year>. The security deposit amount was fully refunded ( per enclosed receipts ). 

Item being disputed and why : This is a bogus collection charge/account. The report shows delinquency on rental payments. All payments were made on time and final bill/account settled in full with rental property. Please see supporting documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream , LLC purports to be a legitimate consumer reporting agency, and they are in fact listed on the CFPB web site as such. However, the instructions to contact this company ( for any matter, not just for a copy of a credit report ) are misrepresented at best. When calling the company 's main number, one is taken through a litany of options which all result in recorded instructions to send your confidential and sensitive personal information to them using unverifiable addresses and fax numbers. The only other option is to " hold '' to speak to a live person, but that option only leads to an automatic " we're sorry but everyone is busy '' message with instructions to leave your name and number at the beep for a " call back within 24 hours ''. In this day and age of Americans receiving numerous daily calls from scammers from everywhere on the planet, how is anyone to know if the " call back '' you get from SageStream , LLC isn't someone posing as an identity thief? If this company were legitimate, they wouldn't structure their consumer interface activities in such a clandestine manner. I have tried in earnest to make contact with someone at SageStream ( without leaving my sensitive information " at the beep '' ), and I have no way of knowing that I'm not voluntarily giving away everything that I've worked for my whole life.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and the account does not belong to me
Product: Checking or savings account

I have been using my account for withdrawals and purchases abroad, and suddenly my card was blocked, which has caused me problems since it is the only card I have while Im overseas. I have called customer service several times, but they have never been able to resolve this issue.
Product: Debt collection

The following companies are Fraudulent on my Credit Report AFNI , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Due to my choices on what happened is not on your list choices. I have to submit this in my own words. First I sent a creditors validation letter to AFNI, Inc and never responded back to me accordingly to the FDCPA Law. Which requires them to respond back in thirty days. So, they should be removed from. My credit report as of this month is month. I had my personal consumer investigator contact them about the removal of the collection and he also found out they are not registered by the State of Texas. That is a violation and they don't have the right to collect debt in the State of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in several dispute letters to Transunion about the incorrect address. This address is not mine. The wrong address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tn XXXX. The correct and only address is XXXX XXXX XXXX, XXXX, Tn XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$13000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Capital one decided to close my accounts via no notification prior. stated they can't tell me why. I have {$9.00} in the account that belongs to me and frankly the account should have been closed and another opened when it was compromised. yet the have yet to communicate anything further to me going over a month now. 

they need thorough investigation. They offer upto {$50.00} for referrals. which Is legal I guess but they need a good talking too on my behalf. I was left without a means to buy gas and food and as hard as I work I want them held accountable. fine them. as well as ask the to disclose all info regarding the breach of my account. my ss # has been compromised no thanks to the SC dept of revenue breach in 2010. And here I have to worry how I will eat.
Product: Checking or savings account

XX/XX/XXXX I went to BMO Harris bank located XXXX XXXX XXXX XXXX in XXXX XXXX XXXX il XXXX. I was shocked there was ONE lane open and there were lots and I mean LOTS of cars just standing so much so they were interfering with traffic because it backed up to the major road. I went around the cars and parked and walked inside to see what is going on and to my surprise there was only ONE very XXXX woman doing the drive thru and I asked if there was anyone else working there, there was a person in the middle of room/office, just standing and staring into space, I asked if they worked there to which I was told Yes but in training! And I asked by whom and where r they?! No Answer, when I spoke louder because no one seemed To understand that but one person but the ready to deliver XXXXXXXX lady trying to Do everything!!! I tried to tell her shes doing great and its everyone else, she said she would Open another lane but not one person there to help!! I raised my voice to see/ask if there were other employees at this location because its just not right!!! When that occured they came crawling out like cockroaches from every nook And cranny!!! They began with telling to lower my voice and they will not tolerate my asking if there were other employees since they r blocking traffic outside and no one helping inside and ONE XXXX lady doing EVERYTHING!!! I finished my transaction and the main XXXX told me that I am not to walk I. There talking like this and like that. I said if every person was this enthusiastic about helping the customers along with everyone there would not be people like me coming inside to see what is happening!! So to my surprise and disbelief, they closed both accounts would not answer any questions nor did they call me or give enough notice less than 24 hrs they did this, Im a SINGLE KOTHER, A WIDOW! And closing both accounts without knowledge just because they felt a certain kind of way?! When I finally was able to Speak to someone who told me they were the top, she said everyone felt THREATENED BY ME AND MY ACTIVITIES, but yet. I police were called, if video and audio is heard I never ever threatened anyone in any kind of way shape or form, I Simply raised my voice aka my concern, as to why this was happening and this happens ALWAYS AT THIS BRANCH NOT MY FORST ENCOUNTER WITH THE POOR COMMUNICATION ( language barrier ) perhaps, I do t know but this is INSANE! Never threatened! Had accounts there since XXXX And for them to just boom make it stop, I paid for checks, I Mailed checks, I also Did stimulus, taxes EVERYTHING, just gone because Im stead of doing their job tbey made me the villain and them Victims and because of covid, which way before that this Was happening!!! Regardlesss this is Crazy!!!! I had My Deceased husbands XXXX  funds plus Pension coming into The accounts, with their poor work Ethics and zero knowledge of human Compassion I Was crying on the phone And she had the audacity To say she dfeels threatened now with the way I was talking To Her!!! And when I opened account it said Somewhere, they have right to Close account at any time With and without Notice!!!!!!