23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello, In XX/XX/XXXXof this year, I applied for store Credit Card from XXXX XXXX. After several weeks I had not received a credit card or statement but I know a payment should be due. I went online to make a payment and did so. The payment shows that it was processed on XX/XX/XXXX. 

Today, XX/XX/XXXX, I called to ask where my card was. I had not called sooner due to work ( I XXXX ). I found out when I called that late fees had been applied to my account. Considering that I have never received a statement, and still have not gotten a card, I do not see how it is that I am expected to know my due date let alone that I have been accruing late fees. I told them this and they took off one late fee, but I do not see why I should be expected to pay any at all when you can't even get me a card.

The next page asked for my card number. If I had ever gotten one I'd be happy to give it to you. 

My phone number is XXXX XXXX XXXX, my name is XXXX XXXX.
Product: Vehicle loan or lease

I financed a XXXX  XXXX XXXX XXXX. Fell behind on payments and surrendered it about XXXX months later. 

The company refuses to settle for less than the balance of {$12000.00}. I am trying to also keep up with living expenses and it's too much ; especially now that I no longer drive the vehicle. 

I literally am working on rent, security, and the leftover {$790.00} insurance premium as well as student loan balances. 

I'm only one person. I have to get out of the XXXX XXXX XXXX where mice run around underground freely, knatts bite and fly around, as well as bedbugs. 

I'm thankful to have XXXX good jobs to support, but it's just enough to buy food and make bills for even the most frugal lifestyle.
Product: Mortgage

I contacted Freedom Mortgage in XX/XX/XXXX and entered into a special forbearance due to financial hardship caused by COVID 19. In XX/XX/XXXX I contacted Freedom Mortgage to exit the special forbearance and indicated I could resume making my regular monthly payments and that I occupied my property. In XX/XX/XXXX I was sent an approval letter for an FHA modification and was denied an FHA partial claim because Freedom Mortgage incorrectly documented my occupancy status. I contacted the servicer and let them know I qualified for an FHA COVID 19 Partial Claim and that I was declining the modification. Two weeks later I received loan documents for the modification I declined. I then received an FHA COVID 19 Partial Claim approval letter in early on XX/XX/XXXX, the date that it needed to be signed and returned to Freedom Mortgage. I called and provided a verbal acceptance of the FHA COVID-19 Partial Claim on XX/XX/XXXX and spent {$55.00} to overnight the document back to Freedom Mortgage. From XXXX until XXXX I called Freedom Mortgage weekly for status of the Partial Claim documents. Each time I contacted them they told me different information. I repeatedly asked for the documents to be expedited since I had originally called in XX/XX/XXXX to come out of the special forbearance and they had made an error in the original evaluation process. I finally received Partial Claim documents on Friday, XX/XX/XXXX. I contacted Freedom Mortgage on Monday, XX/XX/XXXX to inform them I needed a notary to assist with the loan document signing. I was told that they forwarded my documents to their vendor and that a notary would be contacting me in a few days. I was also provided with the name of the company, XXXX Notary and a phone number. I then followed up on Saturday, XX/XX/XXXX and was told again that a notary would be contacting me. I contacted XXXX notary on XX/XX/XXXX to get status of my notary appointment. They indicated they had never received a work order from Freedom Mortgage and had no record of my loan in their system. I then contacted Freedom Mortgage on XX/XX/XXXX and spent 90 minutes on the phone to find out that the request for a notary had never been placed. Again I requested that my loan be escalated as I have been trying to resolve this for 6 months. I am concerned that my Partial claim will be at risk since the documents are due back on XX/XX/XXXX. I have asked twice for this deadline to be extended due to the trouble obtaining a notary but on each follow up call Ive been told that the extension request had also not been processed. Freedom Mortgages lack of customer service and inability to get a single thing right has extended my special forbearance for 6 months beyond what I intended. Their lack of process controls and failure to address client complaints is putting my Partial Claim and potentially my home at risk.
Product: Checking or savings account

I am a victim of identity theft. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX
Product: Debt collection

I was told that they was sending me to court if I do n't make a payment with in the hour so I hurry up and set up a payment arraignment because I did n't want to deal with that, all this caught me off guard bc I never recieved any notice until that day
Product: Student loan

I have not heard back from the new company that is handing my student loans. The payme t amounts keep changing and I am unsure what to do.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRAsection 605b you are required to remove/delete any items listed on an id theft report.Please find the required documents to assist in the deleting of the erroneousinformation which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BalanceOwed : {$2700.00}, XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance XXXX : {$0.00}, XXXX XXXX XXXX Balance Owed : {$280.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the credit bureau shall removing any information in the file ofa consumer that the consumer identifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to you for the third time. I have tried to contact the creditors and the credit bureaus and I have not gotten a response from you. I need you to please help me eliminate the following late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX What the bureaus are doing is a total mistake. I really need your help. It is affecting me in obtaining a house for my children
Product: Credit card or prepaid card

Back in XX/XX/2019 I had a total balance of {$1200.00} on my XXXX XXXX Mastercard however I paid {$1400.00} which XXXX 'd out my balance. Shortly thereafter I noticed several FRAUD charges which were put on the credit card. " I '' went onto my mobile phone app and placed an immediate block/hold on the credit card to prevent any further usage of the card. I then called the customer service ( according to my cell phone bill records ) and reported the fraud charges. I was told that I would receive a new card and the fraud charges would be investigated. In all the years I've had this credit card I have NEVER had any problems with fraud, the minute I pay off the card I then get all these fraud charges. Nevertheless, I received a letter from XXXX XXXX mastercard dated XX/XX/2019 stating that after there investigation of the fraud charges they have concluded that I am not responsible for the disputed fraud balance amounts that were put on the mastercard. However the problem is that I have NEVER received the credit for those fraud charges. I have gone onto my online XXXX mastercard account and sent messages to customer service requesting the credit and statement reflecting this be mailed to my address which they have on record and they refuse. I even contacted the XXXX XXXX XXXX with copy of this XX/XX/2019 letter showing XXXX XXXX Mastercard stated I am not liable for the fraud charges and they REFUSE to supply the XXXX XXXX XXXX with a response stating they would contact me by mail which ive waited now several months and still have not received a response. I am now going to contact the attorney general if CFPB is not able/willing to assist me.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$44000.00} ; XXXX  XXXX Balance Owed : {$44000.00}.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, In this follow up, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is an addendum to my complaint about portfolio recovery. 

I called XXXX  XXXX directly to get information to make sure I was thinking of the correct XXXX XXXX XXXX account. XXXX  XXXX verified the account was closed in XXXX and was charged off and sold to portfolio recovery in XXXX. 

In XXXX after 7 years of ceaseless phone calls from portfolio recovery I spoke to a man who told me they would basically hunt me down to get their money. I told him I was not interested in doing business with them and he further threatened me and even though I asked him to take me off their list they continued to call every few days. 

The woman I spoke to today verified that the notes said I was not interested in talking to them and it went back to XXXX yet they kept calling. 

It is now XXXX  years since the account was closed. XXXX  years since XXXX  XXXX sold it and that equals XXXX phone calls at a XXXX  weekly rate. AFTER ASKING MULTIPLE TIMES TO BE REMOVED. 

According to experian it has not been on my credit report since XXXX. Yet portfolio recovery threatened me, claimed they would sue me and go to the ends of the earth to get whatever money they wanted from me. 

At this point I want money from them and honestly I want them to give it willingly as they would have me do. Anything less is not acceptable. 

If I need to get a lawyer to sue them I will. This has waisted my time in unspeakable ways and I want reparations to the limit. 

They called over XXXX times in the past XXXX  years. Over a debt thats not on my credit report yet they claimed it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncory bank HSN card shows 30 days late XXXX and XX/XX/2019. During time didnt have account with them tried numerous times to get them to fix credit report. Please remove late payments from credit report
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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.
Product: Mortgage

I used Prospect Mortgage in XXXX Alabama on a residential home purchase. I had a contract on a home contingent on sale of mine. I had to close on my house by the XXXX of XXXX, in order to accept contract for sale. Me and my real estate agent both told the loan officer at Prospect what our deadline was, they said they could meet it, and we sent them information to begin the process on XXXX XXXX. 

The closing date comes, and Prospect has n't funded my loan. This is after they confirmed to us we were good to close. Then they come back and say the closing attorney is n't approved. So the attorney fills out paperwork and submits it. Then they say that can take up to several days. 

The XXXX, still no closing. The XXXX, no closing, so I emailed their consumer advocate. This seemed to get the ball rolling, although I never sensed any sort of urgency on their part. We closed on tuesday, the XXXX. 

Because of the missed closing date, I had to rent XXXX storage units and move XXXX, once to storage and from storage to my new house. I had to stay in a motel for XXXX nights. I had to throw away food I had no way to keep since storage units do n't have electricity for refrigeration. I lost time away from work. The loan officer said to keep a record and submit my expenses for reimbursement. 

I did submit almost XXXX dollars worth. Never during the process did the branch manager call me to apologize, or give me any indication that he was even concerned or involved. The processor that did my loan was fired, and the loan officer resigned, because they ca n't seem to meet closing dates. The branch manager, XXXX, refuses to reimburse me. He did n't even apologize except through email after his manager brought it to his attention. 

He has lied to me in every dealing with him, and there is an almost identical complaint about XXXX and the local branch on the consumer affairs page. My agent says her mortgage guy could have closed me in 3 weeks, I went 40 days with prospect. I have done XXXX mortgages, never ever had XXXX this bad.We were told multiple times we were good to close through this process, only to be delayed again and again.
Product: Mortgage

I have requested a payoff statement for 3 different times with myloancare/XXXX XXXX. I am told to wait 30 mins and to then call back. I provided three different email addresses and a fax number and i have yet to received a payoff statement from them. I really don't know what else to do, this is preventing me from closing my loan.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a lette4r from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to XXXX-Debt Final Rule1002.142 ( bx7 ). I kindly request that you block this information from my credit report within four business days. Pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In reference to complaint XXXX which includes the details of the account, American Education Services violated the Fair Credit Reporting Act by continuously harassing me with debt collection calls after receiving a cease and desist letter and debt validation request, and did not provide *any* documentation within the 30 day period after receipt of the request. 
They broke federal law. Period. The CFPB is the entity responsible for upholding these laws. Period. 
Both AES and XXXX have still failed to provide legal proof of ownership of my loan, and the PHEEA investigation even stated that the " documentation no longer exists. '' The CFPB SUED XXXX FOR THIS VERY REASON. 
https : //www.consumerfinance.govXXXX  There is legal precedent that the CFPB proved in court that XXXX was unable to produce the documentation that they are legally required to have in order to legally collect on the loans. 
This is exactly what's going on here. I have been asking them to produce the documentation for 2 years. They keep sending me the original promissory note, from XXXX XXXXXXXX XXXX, which does not prove that XXXX owns it. They have failed to prove anything. 
Again, AES broke federal law, and should be held accountable. 
XXXX is trying to fraudulently collect on a loan they do not own, until/unless they can legally prove otherwise, which is a REALLY SIMPLE REQUEST and should not take over 2 years to fulfill. 
I am not satisfied with their responses, I am not about to take AES breaking the law and harassing me sitting down, and I'm a little disturbed that the CFPB doesn't seem to care that both of these companies are in violation of the laws the CFPB is responsible for upholding.
Product: Debt collection

XXXX billed us for days after our auto insurance policy expired claiming we automatically renewed with them. We did not renew with them because they substantially increased the quote for renewal by over 30 %. They later billed us for 10 days ( approximately {$90.00} ) after the policy expired claiming they cancelled for non payment but we owed them for the 10 days claiming they provided coverage which we did not need, seek, or agree to. We disputed and explained that we never chose coverage through them but they claimed they were still owed money and refused to stop billing us. They can referred the fraudulently claimed amount to a debt collector which reported late payments on the amount XXXX fraudulently billed us to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company Capital One Bank is reporting 1 late payment in XX/XX/2002. I have never been late on this credit card. I have called the company and they said they would correct it with credit bureaus. They haven't.
Product: Vehicle loan or lease

A contract for the purchase of a XXXX XXXX XXXX was executed on XX/XX/XXXX with Credit Acceptance CorpXXXX providing finance. Copy of Contract Attached. A down payment of {$1500.00} was placed on the vehicle. The initial cost was {$7600.00} ( less {$1500.00} ) with a balance of {$6100.00} financed. A warranty was purchased ( {$1500.00} ) and GAP Insurance ( {$720.00} ). On XX/XX/XXXX, the vehicle was declared a total loss by XXXX. on or around XX/XX/XXXX,  XXXX, a customer service representative from Credit Acceptance, advised me that the warranty was cancelled internally effective XX/XX/XXXX, and a refund check would be forwarded to me within 21 days in the amount of {$2500.00}. On XX/XX/XXXX, I spoke with XXXX, Supervisor,  ext. XXXX to discuss the settlement breakdown ( attached ). Further I requested an estimation of when I would receive the above refund for the warranty. XXXX advised that I was provided with incorrect information and that they do not have a XXXX who is employed at Credit Acceptance. Further, there is no indication that I would receive my initial deposit back! This is unacceptable. Not only has Credit Acceptance refused to mark the loan as " paid in full '' but they have stopped me from getting a replacement vehicle and caused me to incur charges to rent a vehicle. I am requesting that the warranty refund and my initial deposit be returned to me immediately as well as any and all monies incurred for a rental vehicle from XX/XX/XXXX to the resolution of this matter as I can not afford a replacement vehicle until I receive these funds, They have delayed this matter for over 8 weeks. All back up documentation is attached hereto,
Product: Debt collection

Collection acount is showing up under ERC. supposing for an acvount with XXXX. I called dish they do not have any acvount for me with them. They never have. I call ERC and they say call XXXX. It is very hard to get through to ERC and they want me to provide an act number which o do n't have cause I do n't owe XXXX.