23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I filed for Ch XXXX Bankruptcy. My BK was discharged on XX/XX/XXXX. In the BK process, several of my debts were reaffirmed for all those who had submitted reaffirmation letters. Freedom Mortgage was not included in my bankruptcy, but I ceased receiving statements from them after my attorney filed the case. When I phoned Freedom Mortgage 's customer service requesting they resume hard copy statements, they told me I needed to submit the request in writing. I did so, and they resumed mailing the statements to my home. 

It's been more than two years since my BK was discharged and I have endeavored to repair my credit and have significantly raised credit score. However, I spoke to my banker three months ago and he ran a soft credit inquiry. He told me I didn't have enough open accounts. He assumed I owned my home outright. I told him I didn't and that I had a mortgage on my current home since XX/XX/XXXX. He discovered my mortgage was not being reported by Freedom Mortgage and said that if I contacted them, they would resume reporting. 

I called Freedom Mortgage 's customer service several times about its lack of reporting my payment record, and each representative gave me a different answer. The bottom line was that they couldn't figure out why, since they had my discharge on file. Finally, I spoke to someone in the bankruptcy department and was told that my case had to be refiled and the mortgage had to be reaffirmed, which would cost me an additional {$260.00}. 

I immediately contacted my attorney, who has become frustrated ( like me ) with Freedom Mortgage 's lack of response. She never received a reaffirmation from Freedom Mortgage and called them to ask them to reaffirm my account. At first, Freedom refused to discuss my loan details until I signed a release form allowing them to. It has been more than a month since I returned the release form to Freedom Mortgage, and my attorney first contacted Freedom Mortgage with my permission/release on file. When she calls for a status of the issue and mentions the bankruptcy, Freedom Mortgage hangs up on her. 

I want Freedom Mortgage to resume reporting my payments to my credit file and would request they include a statement reflecting my on-time payment record for the past two years. 

In addition, I asked Freedom Mortgage to cancel my PMI, since I have had this conventional mortgage loan for four years and my assessed tax value is now twice what I owe. They told me I was eligible for the PMI cancellation, but they require their appraiser to appraise the property, which would cost me another {$450.00}. I have been offered {$90000.00} more than what I owe on my home, but choose not to sell. When I asked Freedom Mortgage why they wouldn't accept my assessed tax value, which is an official valuation, they told me that the assessed value does not reflect the interior condition of the property. 

I want my PMI cancelled without cost to me. 

I feel that Freedom Mortgage penalizes its customers and makes it extremely difficult to get satisfactory resolution to consumer issues. 

Sincerely, an anguished consumer
Product: Prepaid card

I buy a pre-paid phone card for my smartphone through XXXX XXXX, XXXX every month. I expect to get access to my Google account for what I pay, ie : {$45.00}. But what I actually get is a BLOCK from any communications I wish to respond to in XXXX videos & my emails. I can only read, but my answers do not go through. I have never used bad language or threatened anyone or did anything that would be considered a criminal act or break a contract by abusing the service.
Product: Mortgage

Sent my payments back and said could n't locate account. Its the same account I 've always used. Charged me late fee and ruined my credit report so I can ' refinance. They said they would remove late fee but ca n't fix my credit raiting.
Product: Credit card or prepaid card

In XXXX of 2021, someone fraudulently contacted Chase and was able to change the address associated with my account ( ending XXXX ). This person then requested a new card ( ending XXXX ) be sent an address that I have never lived at nor do I have any association with. 

For basically a two-week period, this person then went on a spending spree totaling {$3400.00} in the XXXX XXXX XXXX XXXX apparently ) with the card sent to their address. See attached file. None of these transactions were mine. 

Of course, the vast majority of these charges don't match my normal spending habits at all ( inmate calls, XXXX, XXXX XXXX XXXX XXXX, XXXX, fast food, etc. ). I do occasionally shop at XXXX  and XXXX XXXX XXXX, and I provided account histories with both retailers at the time to show that none of these purchases were mine. I'd be happy to provide them again if useful. 

When I contacted Chase after seeing these fraudulent transactions, they removed these charges from my account. However, they subsequently re-instituted the charges, claiming that they didn't find these to be fraudulent because they were " Chip transactions. '' Of course they were Chip transactions- they mailed the card to someone else 's house! 

After several rounds of back and forth and no luck, I'm attempting to get a resolution through the CFPB process. If this doesn't work, I'll have to pursue additional legal avenues.
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 XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account XXXX : XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.

The inaccuracy in my credit report does not allow me to buy a house ( I am the father of XXXX children ), buy a car at reasonable rates, etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This company must be XXXX, because of their lack of bookkeeping they 've been harassing me for over 2 years. They chose to have XXXX separate student loans with the same account number so when I paid for both on a monthly basis they applied it to only XXXX which made it seem like only XXXX was being paid. I asked for them to be combined but they refused so now I 'm being harassed everyday, before XXXX about 5 times or more per day and after XXXX. I continue to pay monthly for both loans.
Product: Credit card

I talked to XXXX at XXXX bank about my interest rate raising to XXXX. I was told that in XXXX a memo was on my statement saying that I could opt out of this interest rate hike and close my account. 

1. this is robbery 2. I usually do not read my statement 3. The only option I have is to close my account 4. It would be nice that they would remind consumers of this interest hike from august to December.

5. There are no options either pay or close your account that is robbery, corecemnt -i am paying the top amount due to the company accessingmy credit report without my authorization. I have a good XXXX XXXX of almost XXXX this is ridiculous 6. there should be something done with these companies that prey on consumers.

The Barclays credit card interest rate is 19.49 % ( V ) to 32.74 % ( V ), depending on an applicant 's creditworthiness and the card they're applying for.
Product: Mortgage

Hello : My XXXX home loan was sold to BSI Financial about XXXX years ago, and there have been several issues with the mortgage loan servicer since it bought my loan. The latest issue has taken place this month, XX/XX/2024. My regular monthly payment of {$1400.00} is always transferred from my checking account via XXXX to pay my mortgage at BSI Financial, and it was transferred on XX/XX/2024, and another regular payment isn't due until XX/XX/2024. I also wanted to make a " payment to principal only '' on XX/XX/2024 for {$24000.00}. However, when I filled out the box for an " Additional Principal Amount, '' for {$24000.00} and submitted it, BSI Financial unilaterally added in an additional month 's payment, for a total of {$25000.00}. I didn't want to make an additional month 's payment. But, as I found out, BSI Financial does not give you a choice. It always adds in an extra month 's payment amount so that the amount that you want to have applied to principal is changed in a way that increases the payment, and increases the interest paid. This also reduces the amount of the principal that's paid off. There is no reason for this except that BSI Financial is stealing money from its customers in the form of extra interest. Also, BSI Financial doesn't communicate that BSI Financial is going to do this anywhere on its website, and certainly not anywhere near the " Additional Principal Amount '' box. 

I had to resubmit my " payment to principal only, '' and I could only submit it for {$22000.00} instead of the {$24000.00} that I wanted to apply to my principal because of my recent discovery that they were also going to unilaterally add in one month 's payment of {$1400.00}. My husband called BSI Financial today to let them know that the {$1400.00} was to be applied to principal only, BSI Financial said it would apply the {$1400.00} to the principal, but it's been my experience that BSI Financial 's representative will say they'll fix something when you're on the phone with them, and then nothing gets fixed. 

Please see the attached photos. The photo of where you enter in the amount of the " payment to principal only '' does not indicate anywhere that BSI Financial will be adding a month 's regular payment amount to the amount of the " payment to principal only. '' Also, please see what a mess BSI Financial has made of my account, all because I tried to make a " payment to principal only '' payment of {$24000.00} on XX/XX/2024.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Acceptance Corp XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX
Product: Student loan

Navient has never worked with me on a realistic repayment plan. They 've only ever accepted a $ XXXX- $ XXXX/mo repayment which would Have put us over XXXX % of income going to student loans. They would not do a payment plan when we were both unemployed with proof of unemployment. We 've since increased our income but they will not work with us on a realistic plan to get caught up. The offered me to pay in full {$12000.00} when we barely have {$500.00}! I call every few months to see if I 'll get lucky speaking to someone that can help. It I 've now gone almost 2 years with no payments being made. 

I did make payments on time for several years in a row and my balance increased. Such a scam.
Product: Credit card

I paid off my balance in XX/XX/2024. They charged me interest in XXXX of {$2.00}. I reluctantly paid it. I was told that would zero out my balance. XX/XX/XXXX they said I owed them another {$2.00} in interest for XXXX. This will go on every month. I am trying to close the account now. CitiCards has over XXXX XXXX customers. If they charge everyone fraudulent interest of $ XXXX, that is {>= $1,000,000} per month.
Product: Mortgage

To whom it may concern : I have lived in New Jersey since XX/XX/XXXX, and I bought my home in XXXX in XX/XX/XXXX. I 've had so many wonderful times living here and I expect to create many more memories in the future -- -I love living here and have had no intentions to leave. Unfortunately, my mortgage lender ( Everhome ) does n't seem to have the same intentions as I do. Due to a few of hardships and Everhome 's lack of cooperation, I am now facing foreclosure on my property. 
My problems began oddly enough with the hardship of my rental property tenant. His lost job forced him to default on his rent payment. I tried to work with him to help get him back on his feet ( hoping this would be a short-term issue ), but unfortunately he was unable to get back to a point where I could collect rent from him. This put a heavy burden on me, and when he left I was now facing roof and other home repairs ( more of a financial burden ). If that was n't enough, I also needed to help my sister financially through a difficult time. I struggled to keep the mortgage current, but I eventually fell behind in XX/XX/XXXX. 
Once I fell behind, I reached out to Everhome to see if we could do something to solve this problem. I applied for a modification, but I was constantly chasing my tail trying to get documents submitted to them. The process took so long, and then they went ahead and denied my application. They claimed that I made too much money!!!! I guess I needed to be worse off to qualify? My hardships were real, and I ca n't just fork over the arrears to reinstate the loan after they delayed the modification process for so long and kept tacking on all of their ridiculous fees. Plus, they would n't accept any payments from me during this process to keep the arrears in check. I do well as a sourcing manager, but that should be a positive when evaluating for a modification, not a negative, since I 'm showing a strong ability now to avoid this happening again. 

Everhome is always sending correspondence offering help with this situation, yet they are not actually making much of an effort to solve this issue. There has to be another answer other than foreclosure. Everhome puts so much effort and manpower into harassing me with collection calls, yet no effort to find a solution for someone anxious to do business with them and according to their own analysis someone who is more than capable of making a mortgage payment. I 'm not looking for any handouts, just some common sense to solve a problem. I am ready to move forward and make good on this mortgage, I just need a little cooperation from them. I would be grateful for any assistance towards that end. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are part of a chapter XXXX bankruptcy and should not appear : XXXX XXXX XXXX Last reported : XX/XX/2018 {$21000.00} XXXX XXXX XXXX/XXXX Needs Attention Last reported : XX/XX/2018 {$0.00} On Payment Plan
Product: Vehicle loan or lease

After we purchased vehicle it began to have mechanical issues the motor blew on it. We had the car for less than six months. I made numerous attempts to have them repair the issue however they would not honor the warranty. At that point the vehicle would not drive I had told them to then come pick up the vehicle which they did a few days later. I have never received a bill or statement of proof of the debt as I have disputed this many times. The company has NEVER provided the proper documentation to support this debt.
Product: Credit reporting, credit repair services, 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. 

XXXX : Account # XXXX XXXX  : Account # XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX  XXXX  : Acc # - XXXX XXXX : Acc # - XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following itemsof information any other adverse item of information other than records of convictions or crimes which antedates the report by seven years.

15 USC 1681s -2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Recently I have noticed a flood of late payments on my account. Along with closed accounts that are not mine. They come from about 3 maybe 4 different companies. I have disputed these accounts as they are fraudulent and this information is inaccurate. The credit reporting agency state they are not familiar with these laws and do not base their decision on laws. Fraud or not. Please assist if possible.
Product: Credit card or prepaid card

On XX/XX/14 I applied for a care credit card at my dentist office. It said 0 % apr which is why i chose to pick this card for my dental work. I had XXXX placed in credit on the card to pay for my appt. I have made on time payments for a little over three years. Only until i didnt pay one of my bills did i receive for the first time a paper bill which stated i still owed XXXX. I called them to correct the info. They are stating that when i started it was just a promotion but that it was only for a year. I had never recieved any emails or paper mail stating that this Promotional apr was ending and that i would be on 26.96 percent apr. I would have taken out a personal loan at 10 percent apr and not have kept the card. The information is very misleading.
Product: Debt collection

This is an old debt from 2014, a result of theft from my XXXX. I received assistance through my case managers at the XXXX  I was residing at back then to fix this issue along with stolen checks. The company states they do not have any record and the XXXX unfortunately has no documentation saved from so many years back. Additionally, I was unaware of any lawsuit and now my bank accounts are frozen, including my children 's and they were completely wiped out. I was told there is nothing they can do and I must repay even though this account has been disputed and corrected in the past with help of family advocates and nonprofit organizations.
Product: Debt collection

Today, XX/XX/XXXX, an individual from the XXXX XXXX Sheriffs Department delivered a writ of garnishment to my employer. The writ was endorsed by the Superior Court of the State of California, XXXX XXXX County. The attorney of record on the writ is XXXX XXXX XXXX ( XXXX ) and the plaintiff/petitioner on the writ is Cavalry SPV I , LLC ( Cavalry ) as an assignee of XXXX XXXX. ( XXXX ). 

The writ of garnishment contains a mistaken identity. While it is addressed to my employer, the defendant ( who has the same first and last name as me ), has a different middle name, address, and social security number. I do not currently live in the same state as the defendant. I believe the mistaken identity originates from the fact that the defendants address is in the same zip code as my employers headquarters, despite the fact that I work in a separate office, in a separate state. 

I immediately contacted the sheriffs department and an individual there represented that he had no ability to change the writ, the sheriffs department merely serves the writ. 

I then contacted XXXX. The first operator I spoke with forwarded me to an unattended phone line. The second operator I spoke with forwarded me to one of the firms attorneys XXXX XXXX. Mr. XXXX asked for my address and the last four digits of my social security number. He confirmed that the defendant does not appear to be me and said he would draft a release letter to send to the sheriffs department. I requested a copy of the release letter as well. He requested my email address and said he would send me a copy of the release letter in the next 15 minutes. I did not receive any emails from Mr. XXXX today. I tried four additional times to reach Mr. XXXX and left two messages. 

My haste in filing a complaint is an attempt to force XXXX or Cavalry to submit a release of claims within the 10 day window in which my employer is required to respond. 

I believe XXXX misidentification, identifying me as the defendant, is a material violation of my rights and privacy. Further, XXXX caused significant embarrassment to me by matter of a sheriff appearing at my employers headquarters and making the false identification public to my coworkers. 

My complaint will be satisfied when XXXX ( and/or Cavalry ) : 1 ) prepares a release of claims letter that is sent to me, my employer, the XXXX XXXX County Superior Court and the XXXX XXXX County Sheriffs office ; 2 ) each entity confirms receipt of the release letter, 3 ) XXXX submits to me an apology letter, and 4 ) XXXX posts a new policy on its public-facing website stating the appropriate procedure an individual may follow when it believes it is subject to misidentification and, in that policy, XXXX commits to addressing every complaint alleging misidentification. 

I am lucky that I was able to catch the misidentified writ of garnishment before my employer deducted wages. Other individuals may not be so lucky.