23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I started to look for a vehicle this summer and a bunch of inquiry reports just started popping up under my profile then I noticed two or three loans assumed that I have no knowledge of all around {$40000.00}
Product: Credit card

I called to cancel my credit card on XX/XX/XXXX. The customer service representative refused to cancel my credit card. She indicated that the company would not cancel it until I paid the annual fee for the period of XX/XX/XXXX through XX/XX/XXXX. I noted that it is not XXXX and I have not received any services. The customer service representative said that it did not matter and they refuse to close my account until I pay the fee. I would like the company to refund the fee because they provided no services.
Product: Credit reporting or other personal consumer reports

XXXX is reporting information that does not belong to and it has hinder my reputation for any credit I have not filed any bankruptcy or applied for bankruptcy yet it is showing on my credit causing denials. I have paid all debt in full there are also information shown on profile that has been on there more than 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I requested my updated address be the only address on file because I don't want my personal information being sent to addresses I do not live in and showed numerous items of identification my address and it went ignored so I refiled again on XXXX after equifax said they couldn't change it and showed more documentation and still nothing changed. I don't want personal mail or information being sent to homes that i don't live in.. identify theft is a serious issue.
Product: Mortgage

Our mortgage servicer, Change Home Mortgage, has set aside far too much in escrow for our taxes ( {$22000.00} over actual taxes owed ). We called them at the beginning of XXXX and they told us they would correct the tax amount within two weeks. We have sent the tax letter through their portal 4 weeks ago and again 2 weeks ago. Now nobody is responding at the company - calls are simply ignored, and the email service tells us to call the customer service line ( which we do to no avail ). We have tried contacting the company dozens of times over the prior 4 weeks, and they continue to require us to pay mortgage payments consisting of ~ {$1200.00} in excess of our taxes owed on a monthly basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

This summer, the XXXX payment of around {$800.00} dollars on an approximately {$38000.00} mortgage was apparently late because the property management company had a glitch in their system and I was unaware it was going to be late. No one from Freedom notified me one bit. 

1. Although Freedom repeatedly asks me for multiple phone numbers, they did n't call either the second or third ones when a payment glitch occurred and a payment was being received late. I now have relatively trashed credit ( XXXX to XXXX and now to XXXX ) due to this failure of Freedom Mortgage to either contact me or remove the bad mark from my credit. My unfixed credit bad mark is the main complaint here. A tiny little loan balance, a failure to notify me properly, and my credit is totally trashed by Freedom Mortgage. 

2. Second problem is : I also asked for a clear emailed reponse to the inquiry and never got one. 

3. Third problem is that Freedom Mortgage sends me junk mail solicitations and I 've asked more than once for them not to do so. Just got another letter soliciting a second mortgage from me today. 

I do not trust this company at all. I have had three ( 3 ) mortgages with perfect records for many years. The company has standard hold times of 9-10 minutes, today again. They do not care about me as a great customer with multiple mortgages with them. I 'm shocked to be treated with this kind of disrespect as to both not call me at the numbers and then subsequently to not help fix the issue or accept any responsibility for it. Freedom Mortgage is the worst of the worst companies I 've dealt with as a person who has had many mortgages on homes, both primary and rental properties. 

Ask yourself if you want to have a mortgage company who takes all your information so they can use that information to contact you if there 's a problem ... of course you do. Freedom Mortgage wants all this information from you so they can solicit you to the max. That 's why they want three phone numbers of yours. Freedom Mortgage 's high level managers and/or board ought to be embarrassed at this style of business. 

The attached paperwork to this complaint confirms even their own employee ( s ) agree with the wrongdoing that has been done here. Unfortunately they are only the " heat shield '' good people that do n't make the greedy policies clearly evidenced by this situation. 

Good luck with asking for information ... this company has you " talk to the hand '' as much as any that ever existed. Go with a mortgage company who cares about you and your situation. Business is a two-way street of respect. Avoid Freedom Mortgage on your next loan purchase or refinance. I 've given up after Freedom Mortages standard " 10 min average wait times ''. I 've called about 5-8 times and done by best.
Product: Checking or savings account

Navy Fed held my checking and savings deposit for six months causing my accts to go delinquent on purpose ( {$19000.00} ) To date XXXX has not furnished a print out of these funds ( 2019 ) Navy has lied and said they returned the funds when indeed they did not but wont disclose where they went It is illegal to hold funds for over thirty days Navy wants me to settle these accts which I am willing once I know where and why my funds were being held This has been going on since 2019 and Navy is knowingly reporting false info causing damage
Product: Credit card or prepaid card

Hi, I have a chase credit card and I used the reward points to book travel in XX/XX/2020. I booked 5 tickets for 2 of us from US and 3 of my family members who were to visit to XXXX. But with Covid, the plans got canceled. 
Now with the situation in XXXX being so bad, their travel definitely will not materialise so I asked for refund only.on those 3 tickets. 
However, chase says that they will not give the points back. 
And I got this response after following up multiple times although I requested for points on those 3 tickets as it is something which happened due to pandemic. So I now have credits for those 5 tickets But chase is still saying that even if I want to book the tickets I have to go through Chase. I have been requesting to give credits to my account because those are my credits as I booked using my points. And given customer service has been so unresponsive I want to cancel my card with Chase after clearing off the balance and after I get my credits in my account so that I can use them later. 
But even after multiple messages team is not.responding and just saying we will get back. This is extremely frustrating and I had no other option than to complaint with a govt agency. Request.to help you out Thank you
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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: Credit card or prepaid card

This credit card was cancelled last year as I entered into a debt consolidation program. I paid off this credit card on XX/XX/2023, completely. I recently received a bill stating that I owed interest and fees. I have tried to explain the above to this company until my face has turned blue. Please tell them to reverse and cancel all fees and charges, the card had already been cancelled, I have NO CREDIT LIMIT and it was paid off by me in XX/XX/2023.
Product: Checking or savings account

My account with capital one was closed and I had to go thru a very stringent process to handle getting my money back. After weeks of going back and forth capital one finally informed me that a check for my funds was being sent to me overnight. It was around the holidays so when I did not receive it the next day I figured it was just delayed due to holidays. After a week and several attempts to obtain a tracking number I finally was told by capital one that the check had been delivered. After telling him I didnt receive it I was told to ask the office of my apartment complex if theyd received it, which I did, and they did not. About a week later I was contacted and told the check had been cashed and I had to file an affidavit to recover the check. I filed the affidavit as told. Once filed I was then told that because XXXX says they delivered it to me and the check was deposited at a XXXX XXXX I would have to wait to see if XXXX XXXX to see if they want to give me my money back, and if theyd received dont then Im basically just out of my money because capital one says they wont replace it. The problem is, I never received the check. I also never even received a tracking number to know if anything was ever sent in the first place. Further, I have no account whatsoever with XXXX XXXX. And now I have to rely on a bank I have no relationship with and no way to contact because I have no accounts with, to give me my money back because someone cashed it at their bank. This is outrageous. I would like the tracking number to begin with, I would also like to see the receipt of the package since it was sent signature required, I would like to know the account it was deposited in at XXXX XXXX since I have no XXXX XXXX account, in fact I live in Ohio and there are no XXXX  XXXX here. I am XXXX XXXX XXXX and cant even leave the house. For capital one to insinuate that I received and deposited this check at a XXXX XXXX is very puzzling to me. They can find out who cashed the check if it was cashed, and regardless of the matter capital one has closed my account and I have not received my funds. I would like to be provided this information since they are saying they cant send my check because of this. And when they can not I would like my money.
Product: Checking or savings account

I have called Alliant bank to request to close these fraudulent bank accounts that was open in my name. I receive 10 different notices and file a report on XX/XX/2022. This is a bit disturbing and not understandable that this has not been corrected as yet.
Product: Debt collection

There are approximitly 10 collection accounts with Amerifinancial Solutions which are not mine. The responsible party is the North Carolina Department of Public Safety XXXX XXXX XXXX XXXX. These bills were incurred while I was XXXX. You may contact the North Carolina Department of Public Safety,  XXXX XXXX, Acting Controller for NCDPS  and she will tell you I am not responsible and tell you how to get paid by them.
Product: Mortgage

We have not received an acceleration letter from the alleged servicer/lender. 

Per the CARES Act " A federally backed mortgage loan servicer is prohibited from initiating any foreclosure process, seeking foreclosure judgment or order of sale, or executing a foreclosure-related eviction or foreclosure sale for at least a 60-day period that began on XX/XX/XXXX. 

We received 2 sets of foreclosure papers, one dated XX/XX/XXXX and another dated XX/XX/XXXX. 

It appears that on XX/XX/XXXX, XXXX  XXXX  purchased the Securitization : XXXX   XXXX from XXXX XXXX under XXXX XXXX XXXX Then it appears that XXXX  XXXX  sold the aforementioned to XXXX XXXX XXXX XXXX XXXX - the investment bank. 

Additionally, the " Trust '' closed on XX/XX/XXXX. 

XXXX XXXX  advised all servicers to cease using their name to foreclose XX/XX/XXXX. 

We have multiple documents that show that there is a zero balance. 

Also, there are multiple pending appeals in multiple courts, yet the attorney law firm, XXXX XXXX XXXX ( part of the LOGS network ), using XXXX XXXX XXXX XXXX XXXX 

I am/was in a bankruptcy case. The Chapter XXXX Trustee ( office ) entered my unauthorized signature on a confirmation of my Chapter XXXX plan. The Chapter XXXX trustee openly admitted that the endorsement was a mistake. The Bankruptcy Court - still allowed the Chapter XXXX Trustee to withdraw and vacate the plan -- outside the allotted fourteen day window, Also, the former defense attorney ( no longer with the law firm ) entered into the United States Bankruptcy Court - an alleged 9-page promissory note. 

Eventually, the Court provided me with a certified copy of this 9-page promissory note. 

BUT, here 's the crux - I was not at closing - I did not sign a deed of trust or a promissory note -- We have also researched and learned that the alleged notary public was not a notary - at the time ( XXXX ) There are illegal documents recorded in our local County recorders office. 

My automatic stay continues to be violated. 

There remains an active XXXX XXXX on our property. 

Yet, XXXX XXXX XXXX is scheduled to foreclose on our property illegally on XX/XX/XXXX. 

The deed of trust and the promissory note is voided ab initio. 

There is so much more to this story - but this illegal sale needs to be stapped. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to the XXXX XXXX charge off being reported by Experian. 
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Credit card

I overpaid my Chase Credit Card accidently, and called for credit balance refund on XX/XX/XXXX. I was told to watch my email for an approval and it would take 4 days. I asked to have the balance simply transferred to my Chase Bank Account. I called XX/XX/XXXX because I never got the email. I was told it was not processed on the XXXX, and I should watch my email for an approval message I should approve. On the XXXX I called again and the account representative said the credit was never processed, but they would send an approval within 4 days ( again, same story ) or they will just send me a paper check within 10 days. I called on XX/XX/XXXX to ask where is my money. I was told a refund was processed on XX/XX/XXXX and I will get the check on XXXX. This is 30 days after I made the initial request and has put a burden on me. 

The credit card statement says the money was refunded on XX/XX/XXXX but I continued to get the run around from account representatives on my refund. 

At present I do not have my refund. I feel Chase representatives have consistantly lied to me about the refund. I request CFPB help with the overpayment refund. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early this year there was a mix-up with my mailing address that is still affecting my credit score. After making payments for what I assumed was interest to avoid capitalization, my correspondence from XXXX began inexplicably being sent to an address that was over a decade old, and I received neither emails nor phone calls that notified me of the change. Again, I had been receiving correspondence and even made payments from my current address at which I 've been since I purchased it in XXXX. It was only until seeing a major dip in my credit score that I was even aware there was a problem. After speaking to one of XXXX XXXX representatives to see why they 'd reported me as delinquent, XXXX, and later a manager, XXXX, we were able to get the situation cleared up. They acknowledged that correspondence had been sent to several old addresses and were unable to determine precisely why. They claimed that they had tried to contact me but I can attest to the fact that I received no contact. My current address and phone number were confirmed and my account was made current and placed into deferment until my next payment which was due XXXX/XXXX/XXXX. Unfortunately, my credit score is still showing me as having delinquent payments, even though I didnt receive any bills, correspondence, or contact of any kind from XXXX after the payment made in XXXX XXXX ( again, made under the impression that it was another interest payment to prevent it from being capitalized since I had n't received anything that indicated that my loan had moved from a deferment to a repayment status ). 

Ive filed a dispute with the credit agency ( Transunion ) already and did the same with XXXX. I asked XXXX to send me a written confirmation that my bills were being sent to the wrong address so the credit agency could complete their investigation and repair my credit score. Failing that, I asked that they provide an updated report that reflects the fact that my account was current, no payment was due until XXXX/XXXX/XXXX, and I was therefore not a delinquent borrower. I provided all this information to XXXX in the form of a letter, along with a copy of my credit report. Also included was a copy of a billing statement dated XXXX/XXXX/XXXX which reflected no past due balance and no payment due until XXXX/XXXX/XXXX. 

XXXX has refused to remove the delinquency or provide the information I requested so I can try to get the matter resolved through Transunion. Because my Federal loans count as 13 separate accounts, this has had a MAJOR impact on my credit score. My payment history for this and all other lenders is otherwise flawless and it is n't fair that a mistake made by XXXX can have so much impact on an otherwise perfect history.
Product: Credit card or prepaid card

1. XXXX XXXX XXXX XXXX. I have not received any updates or request of more info. When I have saw the charge in XXXX I have called and rude rep said that there is nothing to do. NO ONE EXPLAINED anything. also I have explained that XXXX 's demanded payment for holding truck XXXX they made us sign the blank invoice. They just did not let our truck go before we pay them. So they did not provide the service and just demanded the money. I had prove that we had to fix the truck in other show. But looks like Capital one supports this fraudulent activity and did everything by not providing me ability to explain the situation more if they needed. Just waited the time and charged back. 2. XXXX again same story. NO LETTER WAS SENT TO ME!!!!!!!!! the same thing as with XXXX XXXX XXXX XXXX  Capital one did everything do not provide the ability to respond. I HAVE NOT RECEIVE ANY MAIL, EMAIL, OR CALL. THERE IS NO OPTION TO CHECK THE CLAIM STATUS ONLINE. 3. XXXX there is no credit posted as of today XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, 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 or other personal consumer reports

To Whom It May Concern : Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX, XXXX 2. The following personal information is incorrect Former : XXXX, XXXX, XXXX 3. The following personal information is incorrect Also Known As : XXXX, XXXX 4. The following personal information is incorrect Also Known As : XXXX, XXXX 5. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 6. The following personal information is incorrect Previous Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX NC XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX. The following personal information is incorrect Employers : XXXX In accordance with the Fair Credit Reporting Act, I insist that these items be thoroughly investigated and eliminated from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Please ensure the removal of any information that the creditor is unable to validate. I am aware that, as stipulated by 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify anyone who has obtained my credit report within the past six months of any corrections made. 

Thank you for your attention and assistance regarding this matter. 

Yours sincerely, _____________________________________ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act 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 agecy can not fumish a account without my written instructions XXXX. XXXX XXXX Account number : XXXX Amount {$1800.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX
Product: Vehicle loan or lease

I am currently financed under Santander Consumer USA, recommended by XXXX. I signed up for Auto pay which required me to put in my account and routing number. I later found out that the account number was entered incorrectly which put me in a past due payment because they sent the payment back. I was never notified that the information was incorrect until 15 days after the payment was to be sent. They notified me that I can pay though XXXX XXXX for a fee. That is not very secure for a " financial institution ''. I have to wait 6 months before my auto pay will be active again. This now requires that I have my bank send a check to a XXXX XXXXx . There is no guarantee from the company that this has been received. I also never informed that if my information is incorrect that I can not change it and that it would take 6 months before I can correct it. This company is not very reputable and not very helpful. They use a third party for their financing.