23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

OLIVER ADJUSTMENT CONTINUES TO REPORT AND TRY TO COLLECT ON A DEBT THAT IS NOT MINE - AND HAVE YET TO RESPOND TO VALIDATE THIS ACCOUNT
Product: Credit card or prepaid card

Today, XXXX. XXXX, 2023, I received a text message stating that my credit account was limited due to unusual activity. I have been on vacation and have used my card a lot, so I believed that this was legitimate. The message provided a link to a website, which asked for private information, such as mothers maiden name, Social Security #, which I provided. 
After this, I called the bank to explain what had happened. The fraud department was able to cancel and replace my cards and refer me to this Gov. website.
Product: Credit reporting or other personal consumer reports

The law clearly states 15 U.S. Code 1692c is a law that regulates debt collection communication. It prohibits debt collectors from communicating with consumers in certain ways, such as at inconvenient times or places, or at the consumer 's workplace. It also prohibits debt collectors from communicating with third parties, except in certain circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit repair firm sent multiple dispute letters addressing a MOHELA account on my XXXX  report. This account is listed with a {$0.00} balance but is still being reported as an active late payment account.
Product: Credit reporting or other personal consumer reports

i have challenged this account multiple times it a authorizer user account im not repsonsible for.it keeps coming back verified.im submitting my consumer report showing this account is not my responsibilty.please see my documents
Product: Debt collection

I am victim of identity theft. This occurred the first time in XXXX XXXX, CA, The second time was in XXXX in XXXX, CA. The most recent identity theft was in XXXX by an employee that worked for our company and we filed a police report for this recent theft in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless appeal that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm stimulating have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$43.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

My name is XXXX XXXX, and I have a XXXX account and a card linked to it ending in XXXX ; XXXX told me it belongs to me. It is under Comerica Bank, but I don't bank with y'all, and can y'all tell me if the card is in y'all system and if my name is in y'all system or who owns it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am comprehending that the credit reporting agencies, XXXX, XXXX, and TransUnion MUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to " report '' my PRIVATE information for the public corporations to see. 

Thank you for your time and effort in this important and urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 all 3 credit reporting agencies, XXXX XXXX, XXXX  XXXX, TransUion XXXX report to XXXX those credit scores when I pull FICO it show XXXX XXXX, transUnion XXXX, XXXX XXXX, I maybe denial an equity line of credit because of this misrepresentation
Product: Student loan

I received a direct solicitation from the State of NJ and Fed Student Aid urging me to consolidate a FFEL loan with another loan serviced by ED Financial ( one of the DOE 's two servicers ) in order to reap the benefit of the one time payment count adjustment, which could lead to loan forgiveness. I was solicited in mid XXXX and told I had to consolidate by XX/XX/XXXX, and that the payment count adjustment would be completed by XXXX. The XXXX loan was held by XXXX at that time and was 5 years from being repaid in full. It carried an interest rate of 3.375 %. Without knowing whether I would benefit from the payment count adjustment, I was being pressured into consolidation using the approach that I would miss out on the XXXX time payment count adjustment, and possible forgiveness, if I did not consolidate with XXXX of the XXXX approved servicers. Consolidation would result in a higher interest rate and longer repayment term if I was not eligible. No one would tell me if I was eligible and/or how many months I would have left on my loan, if any, following the payment county adjustment. This hardly seemed like a fair or appropriate way to make a significant financial decision, however, having faithfully repaid these loans for 20 years, the notion of getting out from under them could not be ignored. As such, before applying for consolidation I contacted Fed Student Aid and asked whether I would be given information on whether I would benefit from the payment count adjustment before I had to finalize the consolidation. I was told that I would. This turned out to be false. The consolidation was processed by Ed Financial and finalized without further information. This apparently occurred on XX/XX/XXXX and I was not even notified of it within the XXXX business day window to reverse it. As a result, I am now stuck with a loan that carries a higher interest rate than XXXX of the loans I consolidated, and instead of being repaid by XXXX, I will be repaying this until XXXX. I have yet to receive any information about the payment count adjustment. Fed Student Aid says ED Financial is responsible for that and ED Financial says Fed Student Aid is responsible. I have been misled into a financially detrimental decision by government contractors acting to implement a government program for their own benefit.
Product: Payday loan, title loan, personal loan, or advance loan

Greetings, Payment secured for stated late payments on paypal. Payment secured on XX/XX/XXXX. Online Payment System stated refund and continual of payment. 

Don't understand and I can not make any payments until the new year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with several credit reporting agencies and XXXX about my credit report. I filed chapter XXXX and included them and even though I have supplied ALL documents needed to show they were included and DISCHARGE, they continue to report. They even went so far as to SELL the bad debt to XXXX, who ALSO is trying to collect on the SAME student loan and is ALSO reporting to my credit bad/late payments. 

SO ... when then I find out that this is NOT the first time, they have violated CFPB laws. I have been complaining and NO ONE listens to me .... but this says it ALL! 

Student loan servicer XXXX illegally deceived borrowers, judge finds Last Updated : XX/XX/XXXX at XXXX XXXX. XXXX First Published : XX/XX/XXXX at XXXX XXXX ET By XXXX XXXX 3 Borrowers and their parents and grandparents were among those who suffered when XXXX violated a state consumer protection law, the court ruled. 

https : XXXX Comes as no surprise to me, but maybe NOW someone will take me seriously. 

ALSO, even if NO ONE believe me, how is XXXX or XXXX being allowed to report LATE PAYMENTS or COLLECTIONS on a FEDERAL STUDENT LOAN, given COVID?? 

THIS VIOLATES the Cornavirus and Forbearance Student Aid that took effect XX/XX/XXXX and is STILL in effect until XXXX, XXXX. WHICH MEANS, THEY CAN NOT REPORT LATE/COLLECTION to my report. 

I WANT ALL THE LATE/COLLECTIONS FROM XXXX AND XXXX REMOVED.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for {$5000.00} into my personal checking account. It was nearly double the amount I had in that specific account. Rather than holding this and or checking to see if the check was legitimate, Fifth Third Bank made those funds available almost immediately. The next day, I was able to spend the full amount of need be. In order to fulfill my job obligations, I had to transfer almost the entire check amount into a work associates account. I didnt realize until after this transfer was made that this work associate May not trustworthy. I immediately drove back to the bank ( within two hours of initiating the transfer ) to cancel the transfer. Fifth Third said they would do everything they could to cancel it, but said it may not be possible. I personally dont feel they tried their hardest to stop this also. After notifying them of possible fraud, they looked up the check I deposited for {$5000.00}, and within minutes, they were able to tell the check was a fraud. I feel as though they were negligent, lazy, and if they had a better process for depositing checks, this fraud would have never happened. 

This same day, the XXXX, I called Fifth Third headquarters and notified them of the situation. A representative I spoke to at approximately XXXX notified me that the issue was not my fault and that the branch shouldve held the check before depositing the funds into my account. Now, Fifth Third is saying the problem is my fault. Theyve already penalized me for this and have taken {$5000.00} out of my account because the check bounced. 

Fifth Thirds policy for depositing checks negligent, and customers should not be penalized for other peoples lack of funds. The checks should be verified as legitimate first before depositing them into any account.
Product: Mortgage

Chase is stuck with their wrong accounting and stopped servicing our home mortgage. 
Chase sent us back our XX/XX/XXXX & XX/XX/XXXX payments, and is asking us to pay {$22000.00} to bring it up to current. 
Chase is wrong. As of XX/XX/XXXX our mortgage payment was current. The remaining balance was {$350000.00} on Chase 's book ( see the Statement ; Book XXXX ) as was {$350000.00} on our book ( see Book XXXX ). 
Chase is wrong in saying that we did not make the payments since XX/XX/XXXX. 
Chase is doing a robbery and not servicing a home loan. 
Could OCC/CFPB stop Chase 's criminal act?
Product: Student loan

On XX/XX/XXXX I tried to log into XXXX and make a payment on my student loans. I was not allowed to login, the website showed a message that my social security and birthdays supposedly did n't match up. I have been using this site, with that exact log in for 9 years and I can prove that the payments were made from my account. The loan was taken out XX/XX/XXXX. I spoke with a representative named XXXX ( employee ID number XXXX ). She obstructed me from making a payment then told me that they needed a copy of my birth certificate and driver 's license faxed over to them. They have had this information for nine years and this sounds fraudulent. They also mentioned a loan from XXXX XXXX XXXX, which I never took out with them. If the serviced was changed, I was never notified and I do n't know what they are talking about. This sounds like fraud.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}
Product: Debt collection

I opened up this original line of credit at or about XXXX from the original creditor XXXX XX/XX/XXXXdba XXXX XXXX. I opened it as the XXXX  of a California XXXX called XXXX XXXX XXXX, not as an individual. My corporation settled the debt with XXXX credit in the middle of XXXX for 50 % of the original amount for approximately {$18000.00}. The debt buyer, Midland Credit Management, bought an invalid debt.
Product: Checking or savings account

I was charged numerous overdraft fees numerous times and I know once they gave it back to me. Also they closed a previous account too
Product: Mortgage

XX/XX/2024, I logged into my online banking and paid {$59.00} towards the principal of my HELOC. 

XX/XX/2024, I logged back into my online banking and noticed that the {$59.00} payment was reversed and was applied to a suspense account. At that moment, I called Flagstar Bank and asked why this had happened. The lady I spoke to on the phone was confused as to what happened and said it didn't make sense. She informed me that she was going to request another department to get this issue fixed. I was informed that it would take a few days to reflect on my online banking. 

XX/XX/2024, I logged back into my online banking and saw that the issue had not been resolved. I called Flagstar Bank back to get this resolved. I was informed again, that this had to be fixed by a different department and was going to take a few days for it to be reflected on my online banking. 

XX/XX/2024, I logged back into my online banking and yet again, I saw the issue was not resolved. I tried calling the bank, but they were closed. 

XX/XX/2024, I called Flagstar Bank ( It took me this long to call them as I left the country on XX/XX/2024 ) and spoke with a gentleman about this issue, and also threatened to contact the CFPB if it was not resolved within 2 days. This individual informed me that the last person I had spoken to did open a ticket requesting the {$59.00} to be reapplied as principal only. He said he doesn't understand what happened as the ticket was closed, meaning the issue was resolved, when it clearly wasn't. The individual put me on hold for 5 minutes so he can discuss this with his supervisor. He got back on the phone and informed me that his supervisor was going to make sure it was going to be reconciled. He asked if I wanted a phone call back when it was completed, to which I said yes.
Product: Mortgage

Hello, I would like to file a complaint against US Bank. I have been attempting to work out a short sale with US Bank for almost 3 years and I have lost multiple purchasers due to the amount of time that it has taken to get FHA approval. The first offer that I received was on XX/XX/XXXX and was for a few thousand dollars less than what the asking price was, but was not enough to cover all of the cost to sale the property free and clear. Unfortunately, I was not in a position to cover the difference to make the deal happen. With the offer that I had, the bank would have received a couple XXXX less than their payoff. The XXXX offer was very similar to the first and the bank took so long to review the short sale offer then after six months, the purchaser moved on and purchased another property. This has been the normal behavior of the bank over the last 3 years. Over the years, the delinquent amount has continued to grow and the property value/offers being received have decreased causing a larger deficiency. It is my hope, by filling this claim that I will finally be able to get the short sale completed. I would also like to get a waiver of deficiency if possible. 
1st Contract - XX/XX/XXXXBuyer XXXX XXXX - Buyer Terminated/walked2nd Contract - XX/XX/XXXXXXXX XXXX XXXX - Buyer Terminated/walkedATP ISSUED XX/XX/XXXX DEADLINE XX/XX/XXXX3rd Contract - XX/XX/XXXXXXXX XXXX XXXX and XXXX XXXX XXXXApproval XX/XX/XXXX - Buyer terminated at Inspection4th Contract - XX/XX/XXXXXXXX XXXX and XXXX XXXXXX/XX/XXXX Short Sale Approval - Buyer terminated at Inspection5th Contract - XX/XX/XXXXXXXX. - Buyer Terminated/walked6th Contract - XX/XX/XXXXXXXX XXXX - Buyer Terminated/walked7th Contract - XX/XX/XXXXXXXX XXXX XXXX - Buyer Terminated/walkedApproval - XX/XX/XXXXATP - XX/XX/XXXX - XXXX8th Contract - XX/XX/XXXXXXXX XXXX XXXX - Terminated because he was waiting for 5 months9th Contract - XX/XX/XXXXXXXX, XXXX. - XXXX XXXX XXXX - Active Purchase Contract
Product: Credit reporting or other personal consumer reports

In XXXX & XX/XX/2019, XXXX reported that I was late on payments during a period where I was under either forbearance or deferment. On my credit report, for the month of XX/XX/2019 it states I was 90 days late ; the following month ( XXXX ) says that I was 120 days late. However, the 3 months leading up to XXXXXXXX XXXX XX/XX/2019 have green check marks which means I was not delinquent on my XXXX  during those months and therefore, could have never been 90 days late in XX/XX/2019 or XX/XX/2019. This inaccurate reporting has negatively impacted my credit for the last few years and I need to have it reversed as soon as possible.
Product: Debt collection

I have required proof of what they want me to pay for and have not received it and I have asked several times and when I stated I was taking legal action I get hung up on.
Product: Mortgage

I have several issues to address please : 1. - My loan modification was effective XX/XX/XXXX, and at that time, I asked my mortgage company, Bayview Loan Servicing, to please make my payment due dates the end of every month because, based upon how I receive my income, that 's when my funds would be available to disburse to them ; 2. - My payments began being late in XX/XX/XXXX when my ex-husband, during a very hotly contested divorce, contacted one of my credit card companies and authorized payment in full of my bill, which completely emptied my checking account. This incident was reported to the XXXX XXXX County Police who informed me there was nothing they could do to prosecute him because we were still married at the time ; 3. - In XX/XX/XXXX, I contacted Bayview Loan Servicing to make them aware of this incident and to inform them why my payment was late. Unfortunately, I was still charged a late fee for my payment being late that month, and they probably reported it to the credit reporting agencies, and I have been unable to get my footing and get back on track with my payments ever since ; 4. - In XX/XX/XXXX,  I asked Bayview not to " pad '' my Escrow account with extra funds because, as a single mother to an XXXX child whose father does not pay the court ordered child support, I do not have the money to spare. I was told it was allowed by law ; 5. - In approximately XX/XX/XXXX, I was able to bring my mortgage payments current, or so I thought, when I sold some of my personal belongings and remitted 100 % of the proceeds to Bayview ; 6. - In XX/XX/XXXX, I again asked Bayview not to " pad '' my Escrow account with extra funds because, as a single mother to an XXXX child whose father does not pay the court ordered child support, I do not have the money to spare. I was told it was allowed by law ; 7. - In XX/XX/XXXX, Bayview inaccurately released funds from my Escrow account to pay in full 2 hazard insurance policies. I was forced to endure a barrage of harassing " debt collection '' phone calls until I was able to sort it out and funds from 1 of the hazard insurance policies were debited back to my Escrow account ; 8. - In XX/XX/XXXX, I received a statement indicating I owe late charges of {$1800.00}, unapplied funds are {$2400.00}, and past due amount is {$6000.00}. I disagree and feel Bayview 's records are inaccurate, and feel I have been excessively and inaccurately charged late fees. Bayview is and has been aware of my situation since the loan was modified XX/XX/XXXX,  and has been steadily " padding '' my Escrow account despite my repeated requests for relief. At this point, I would like Bayview to cease and desist all Escrow activities associated with my home and loan so that I can begin paying those costs myself. This is the only way I will be able to break this horribly stressful cycle of Bayview increasing the payments I must make to my Escrow account, placing an undue burden on me, and making it increasingly challenging to make my payments in full on time and avoid being aggressively charged late fees by Bayview. 
Thank you for your time!