23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for refinancing for my property at on XX/XX/XXXX with the approval of XXXX XXXX, which he said that he would subordinate the HELOC. I explained to the loan officer several times that the refinancing would be for the first mortgage excluding the HELOC. In fact the three ( 3 ) Closing Disclosures ( see attached documents ) dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ( see attached closing disclosure XXXX, XX/XX/XXXX & XX/XX/XXXX ) which revealed no mention of the HELOC. The Payoff Statement XX/XX/XXXX ( see attached payoff demand document XXXX ) showing Present Principal Balance of {$710000.00} which reconciled to my Statement Balance XX/XX/XXXX ( see attached mortgage statement document XX/XX/XXXX ) of {$710000.00}. All three ( 3 ) Closing Disclosures show Loan Balance of {$720000.00}, which could not have included the HELOC of {$48000.00} ( see attached document ) or else it would show loan balance of around {$780000.00}. This support my contention that the loan officer stated to me that he could subordinate the HELOC. 
The Loan Processor was pushing me to pay off the HELOC as she stated on her email I just wanted to quickly touch base with loan update. It seems you are agreed to payoff the HELOC loan. I will complete the reviewing this loan and will submit to XXXX for final review. I dont know how she came to the conclusion that I agreed to pay off the HELOC ( see attached email XX/XX/XXXX document ). 
The Loan Officer offered to include HELOC to the refinancing in the last weeks of XX/XX/XXXX. The Closing Disclosure ( see attached closing disclosure document XX/XX/XXXX ) dated XX/XX/XXXX showed that the rate being offered was 2.875 % not 2.5 % and the Loan Balance was {$780000.00}, which included the HELOC payoff amount. In the last few weeks of XX/XX/XXXX, The Loan Officer was pushing for me to agree to pay off the HELOC and he did not offer me the 2.5 % and the fact was he offered me a 2.875 % rate with higher closing costs. 
All my evidences point to the fact that my right as a consumer was violated. Loan Depot should not get away with it.
Product: Credit reporting or other personal consumer reports

Annualcreditreport.com requires the use of a cell phone to get a credit report online by sending a text message. 

I do not have a cell phone, do not want one and can't afford the cost. Also, I don't the need constant yammering in my ear from scammers trying to rip me off. 

It seems as if this company is acting as a shill for cell phone companies.
Product: Debt collection

I am not liable for the debt that this collection agency is trying to collect from me. I do not have a contract with this collection agency. I requested a copy of the purchase agreement and this company failed to provide me with the document.
Product: Credit card or prepaid card

XXXX  XXXX XX/XX/2022. I contacted XXXX  XXXX they have no written ink authorization from me giving permission to ran my credit and I contacted transunion to dispute unauthorized inquiry. Please remove immediately
Product: Mortgage

On XX/XX/2022, I sent the attached Notice of Error letter to PHH Mortgage Services ( Reverse Serving ) notifying it of erroneous applications of credits to the borrower 's loan account. PHH has totally ignored the Notice of Error letter even though its signed the USPS Certified Mail " Green Card. '' It never sent written acknowledgement of the XXXX letter as required by 12 CFR 1024.35 within five days of receipt of the XXXX XXXXNor has PHH ever responded on the merits to the XXXX letter. Nor has PHH taken any apparent steps to investigate and correct the errors itemized in the XX/XX/2022 Notice of Error letter.
Product: Debt collection

I have a debt from a company called RevMD partners. I noticed on my credit report I had a few open accounts and I reached out to them to start paying to get the amounts to XXXX. I call every few days and every time they tell me I owe different amounts than whats on my credit report. I ask for statements habitually by mail and I never recieve them. I just called again this morning and I gace them a small payment and told them I refuse to pay anymore until I get statment. The staff is very small there and I always get the same two people on the line and they already know who I am and still, they say they are sending statements and I never get them. They keep mentionng different accounts and I have no idea where my money is going as the amounts on my credit report are not reflecting what I owe and they cant explain or give me a statement. They blame my mail, but I have no issues getting my mail. I WANT A STATEMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute has already been filed. On my cfpb report i listed the issue of LexisNexis not removing an error. A customer service rep named XXXX sent me an email outside of the cfpb complaint. I gave no permission to email me directly. You're reporting inaccurate information my report on an acct with XXXX XXXX. They notified me that you didn't submit a dispute with them. How did the dispute come back verified if you did an actual investigation. Stop using eoscar and do a proper investigation. This is defamation of character and you're required to report accurate information on my file. You're breaking the law.
Product: Vehicle loan or lease

The vehicle was repossessed in XXXX of 2024 not at the address on file. I don't agree with the balance, because they took the remaining of my gap insurance of {$5000.00} plus the amount I had already paid them out of pocket. Its been 5 months and I'm pretty sure the vehicle has been sold already. 

Credit Acceptance didn't have a court ordered judgment to repo the vehicle. According to UCC 9-609, that was illegal and they stole it grand theft auto. also, 15 U.S. Code 6802 disclosure of my personal information and whereabouts to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report on ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 


On my XXXX credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 

On my XXXX credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.
Product: Credit reporting or other personal consumer reports

I received emails from XXXX XXXX XXXX XXXX and XXXX XXXX ( XX/XX/year> ) regarding changes to my accounts. When I viewed them, there were XXXX hard inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX. I had not made any requests for loans during this time. I also received emails from XXXX saying that my password had been changed. When I called XXXX, they stated they had no accounts for me. When I called XXXX, they had an loan application that was denied. They emailed me a Identity Theft Affidavit which I completed and emailed back to them. I called XXXX XXXX XXXX XXXX and they closed the loan application. Both of these creditors had applications using my correct SSN and DOB, but the email address they had listed was for XXXX. I went online to freeze all credit bureau reports and was successful in freezing the XXXX and TransUnion, but the XXXX had been changed to the login of " XXXX '' and I was unable to freeze that account. I called XXXX and advised them of the issue. After several hours on the phone, the account is locked. I was told that I needed to notify the FTC. I was informed that another creditor XXXX XXXX XXXX  had also posted a credit inquiry. I called them ( XXXX ) and they did have an application which she closed. I was told that I would be receiving forms to complete regarding the Identity Theft in the mail and to return. 
I am not complaining about XXXX. I am wanting the identity theft to be looked into. I may have picked the incorrect area to post this complaint - as I went to the next page and it is asking what company I am complaining about.
Product: Credit card

I am disputing the collection account with Jefferson Capital Systems , LLC, account number XXXX XXXX XXXX XXXXXX/XX/year>, with a balance of {$490.00}. 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 Jefferson Capital Systems , LLC, 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I stopped by XXXX XXXX XXXX Chrysler, XXXX, XXXX XXXX Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX  notified me XXXX XXXX 2 had added an inquiry to my report. On the morning of XXXX, XX/XX/2019, six more inquiries were added to my report from CHRYSLER CAPITAL, XXXX XXXX XXXX ACCT XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank/XXXX  XXXX XXXX Department Stores National Bank ) issued my Statement of Account on XX/XX/XXXX - on page 3 you will see that my account is enrolled in automatic payment and that my next payment would be drafted on XX/XX/XXXX. According to Citibank- they had a system update on XX/XX/XXXX which deleted my automatic payment. They then reported me as late to the credit bureau. They have admitted their error and sent me a letter that the late payment will be removed from my credit reports, however, XXXX has not removed the XX/XX/XXXX late mark from my credit report even though the data furnisher has requested it. I have disputed the information with XXXX and they did not make the adjustment. I am including a copy of the letter from Macy 's that indicates they have requested the '30 day late ' be removed from my credit report, as well as a copy of the XXXX statement that indicates I am still enrolled in automatic payments. 

Citi did not provide an accurate account statement - XX/XX/XXXX statement indicated that my payment would be automatically debited, but Citi cancelled the payment due to their system update ( the statement was inaccurate - a violation of Reg Z ), and then reported the payment as late inaccurately to the credit bureaus ( a violation of FCRA ). XXXX did not remove the late payment as requested by Citi.
Product: Debt collection

After 2-3 years of receiving phone calls from this particular collection agency, I decided to call them and make payment arrangements. about 2 years prior to my calling, I shared with them that the reason why I could n't pay was because I was out of work, with no income due to a XXXX, but the calls continued every day. So on this particular day around XX/XX/XXXX, I called them to make payment arrangements because I was tired of the calls. The young lady quoted a high monthly figure over {$100.00}. I stated that I could not afford that. During this conversation, she used harsh tones that I made her aware of. She then stated that she could reduce the amount to {$100.00} monthly. I told her that was still too much. She stated she could n't go any lower. We had a verbal altercation and she boldly told me that the company had a lien on my house. There after the call ended with a payment due on the XXXX of every month. Around the XXXX of the month, I made a {$50.00} payment through my online banking, they received it XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a phone call from the same young lady stating that I did not abide by the verbal agreement of {$100.00}. I told her that I could not afford {$100.00} monthly that is why I sent {$50.00}. She was extremely rude. About XXXX minutes after that call, I called back, she answered and I asked to speak with her supervisor. I got a voicemail of a male. I could not hear his name because it was n't clear enough. I left a message. Moments later, I wrote a letter to the company about my experience with their rude employee. I then faxed it and sent a copy by certified mail. On XXXX XXXX, 2015 I called back looking for the supervisor but was unsuccessful. On XXXX XXXX, 2015, I received what I call a threatening letter from the company which had no signature. On XXXX XXXX, I received {$50.00} from a friend to pay to make another payment because I did not want them to put a lien on my checking account like I was told they could do. My bank showed a payment date of XXXX XXXX, 2015, so I called the company XXXX XXXX to confirm the payment. The young man said he did not see a payment posted. I then called my bank and it was stated that they mailed the company the check on XXXX XXXX. I called the company back and told them that they should have received the check. The young lady told me they did not receive it and that they do n't control the mail. I told the young lady I believed someone was playing games and to post my check. Words were exchanged. I told her that I sent a fax. She said " We did n't receive a fax. '' I told her that I also sent a letter. She said in a concerning way, " You sent a letter? '' I said " Yep '' she asked " What was in it? '' I told her if my check was n't found soon, I would be obtaining a lawyer. she said " That 's your prerogative. '' I said " When shall I call back? '' she said " In a few days. '' I said " What is a few days. '' She said " Just a few days. '' I said " What is a few days? '' she said " Wednesday. '' I called back on Wednesday XXXX XXXX and was told they received the check on Monday XXXX, 2015.
Product: Mortgage

When making my XXXX payment late online through their portal I selected an old account resulting in my payment bouncing. I wasnt aware this happened until I received a letter about a payment not being processed from my bank almost a week and a half later. I went in to the online portal to resubmit the payment through XXXX online portal and by phone and was told my access was taken away. I was then told if I had to contact my loan manager XXXX for payments for a XXXX month period. I spoke with XXXX XX/XX/year> to make my payment by phone. He then transferred me over to his supervisor who verbally harassed and insulted me asking my house hold income and why I have no excuse to have ever made a payment late. At this point my only options to make my payment are over the phone where I will be verbally harassed by 21st mortgage representatives and account managers. Their website never works early in the morning or before XXXX XXXX XXXX XXXX for online payments. Now that I made one payment late They have frozen my online and pay by phone option, and if Im late again they said my only payment option will be online wire which will lead to additional fees for me. This company is ridiculous and their online complaints show the same. I want my online payment access back and I want their website to work.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XX/XX/XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Attempted a transfer from a linked bank account in the amount of {$330.00} on XX/XX/year>. Transfer was declined. 
Chime suspended my account and asked for ID, bank statement and a reason the transfer as declined. 
I have provided them this information multiple times and they still insist I send more documentation that doesn't exist. I just want access to my account and my money.
Product: Debt collection

I called the number on my answering and gave the reference number, and it is not for my family. I informed this " XXXX XXXX '' at the number that I did n't know the person the debt belongs too. I also informed her that since this is a recorded line, that I have ask in the past 6 months for them to remove my phone number. Obviously, it has not been done, still.
Product: Debt collection

On XX/XX/2021 I received an email from XXXX XXXX of TrueAccord, claiming that they were attempting to collect a {$3700.00} debt supposedly owed by me to XXXX XXXX XXXX. I responded immediately the same day, requesting that XXXX send me specific information regarding this alleged debt. I also informed her that I believed that either they had the wrong XXXX XXXX, or I was being scammed by them. I absolutely do not recognize or acknowledge any such debt. 
The following day, XX/XX/2021, XXXX XXXX of TrueAccord responded to my email advising me that all collection activity had been suspended pending an investigation, and that they would not resume collection activity until I had been provided with validation documentation. 
Today, Sunday, XX/XX/2021, XXXX XXXX has again sent me a notice that they are attempting to collect the same " debt ''. I have received absolutely nothing to identify or validate this supposed debt, as XXXX XXXX stated would be done before any collection attempts went forward.
Product: Checking or savings account

I turned off overdraft on my Wells Fargo debit account over a year ago. There were some bills charged to the account that I was unaware of and they were approved by Wells Fargo despite overdraft being turned off. They have charged me 7 overdraft fees totaling XXXX for payments that should not have been authorized
Product: Debt collection

On XX/XX/XXXX, I sent a request to United Revenue Corp asking the company to validate four separate medical debt, by sending a breakdown of the fees, to provide a copy of my signature authorizing release of my medical information and I asked them to also validate the  debt ( when it became first delinquent and etc ). On XX/XX/XXXX, I received a letter advising me that it was frivolous attempt for the account with the amount of XXXX. I never received any validation attempts. On XX/XX/XXXX, I received billing statements for 3 different accounts on their letterhead which still doesn't provide me with all that is needed to validate the debts. On  XXXX, I resent a request to the company for 4 debts requesting the info I need to validate the debts. On XX/XX/XXXX, I received more letters from URC stating that these were frivolous attempts and they provided the necesaary information, which they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On these dates XX/XX/2022, XX/XX/2022, XX/XX/2022 I sent out dispute letters to these companies below : They had stated that they have been verified as accurate ; but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these agencies written permission to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX KIA MOTORS FINANCE Account Number XXXX XXXX XXXX XXXX  Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent the following letter to Franklin Credit Management Corporation after a series of very unsatisfactory telephone calls from me to them trying to sort out the issues described below : To whom it may concern : I have been in contact with your office by phone XXXX XXXX ) multiple times over the past month in an attempt to resolve an issue of outstanding payment that you have identified as a " deferred interest payment, '' but have not been successful in receiving clarification of the several different narratives that have been presented to me regarding that issue. 

You will note that the statement dated XX/XX/XXXX shows a {$0.00} balance on the loan referenced above, after having received a payment of {$1100.00} on or around XX/XX/XXXX, representing the final balance figure given for the previous month. You will also note a long history of timely payments - as well as a note on this statement indicating that " if payment is received after XX/XX/XXXX, {$0.00} late fee will be charged. '' You will also note that on the statement dated XX/XX/XXXX, there is a description of " Transaction Activity '' that shows that there has been a {$48.00} " Late Charge Assess ( because full payment not received by XX/XX/XXXX ) '' even though the balance of principal and interest is still shown to be {$0.00}. 

Additionally I have attached a copy of a letter dated XX/XX/XXXX indicating that there is a payment due of {$1900.00} plus late charges, for a total amount due of {$2000.00}. When I have inquired by phone about this payment and asked for a copy of the terms to which it refers, I have only been told that the payoff amount is {$14000.00}. 

I think any reasonable and rational person would determine that all of these things can not at the same time be true.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX my 3rd attempted to reach out to Enhanced Recovery CO LLC for improper account reporting or furnishing on my credit report
Product: Credit card or prepaid card

Failed to follow promised procedures On XX/XX/2020, I file a dispute with Synchrony Bank concerning a charge for {$1000.00} to my XXXX MasterCard account ). I provided complete documentation that the charge was for " goods or services that were not received. '' On XX/XX/2020, Synchrony Bank acknowledged receipt of this dispute and promised to " Adjusted your account to reflect the disputed amount. You're not responsible for this amount while our review is underway. No fees or interest will be accrued on the disputed charges during the review process. '' As of today, XX/XX/2020, Synchrony Bank has failed to do this and are attempting to collect the disputed amount as demonstrated by my account statement of XX/XX/2020. Synchrony Bank has refused to answer multiple request from me to explain their failure. They have also made no attempt to request any further documentation about the dispute nor have they provided to me any response that they may have received from the merchant.