23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have tried to due a loan modification with Caliber home loans they have gave me the run around and request document after document from telling me to keep sending in more documents and having me speak to a number of different people leading me to believe they will work with me only to have me fall farther behind and then tell me they cant help me and try to foreclose on the property leading me to more late payments. I am more than 90 days behind the bank will NOT accept a mortgage payment over the phone or online portal. I summited my 1st request for a loan modification on XX/XX/2017, as my mortgage payment increased, caliber home loans home loans sent me a letter acknowledging, all documents were received then turning around and saying additional documents were needed. I then open up an online portal on the caliber loans website to upload documents they needed after looking at the portal caliber home loans still had the same request for those same documents I called the point of contact and they acknowledged documents were received, caliber home loans continue to extend the process. I have contact Caliber home loans and have brought it up to their attention and they have continued to lied. I have many documents, one recording and a phone call log of caliber home loans not answering my call and dropping the call after transferring over to a representative.
Product: Debt collection

XXXX XXXX XXXX has been reporting an inaccurate account to XXXX  XXXX XXXX, a consumer credit bureau, for years after several attempts by myself to dispute. I have never done any business with XXXX XXXX and they have no proof that I owe them any debt. I have disputed this debt several times, including XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the process, XXXX XXXX XXXX has committed multiple violations under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of Equifax data breach an I noticed a few fraudulent inquiries placed on my credit report without my proper authorization. Ive reached out to the credit bureaus to resolve the situation but they still failed to remove the fraudulent inquiries witch is listed as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was bought out by Select Portfolio Servicing XX/XX/XXXX from XXXX  XXXX XXXX. When SPS inherited my account they informed me that I was 1 month behind. I have been disputing this since they took over my loan. I have provided proof of payment for XX/XX/XXXX and XX/XX/XXXX. Once they received my proof of payment I was then told that " my missing payment '' is from another month. I asked what month and they have been unable to give me a specific month. They did send me what they claim is a payment history from XXXX but it was so microscopically small that it was impossible to read. I called them and told them the statement history could not be read. They sent me the exact same copy I had previously received. To this date they have been unable to tell me what month was unpaid. I simple do no know how that is possible since I made my mortgage payment at the bank/branch window. XXXX will not accept a partial payment at the window, I know this because I have tried before I was approved for a modification. 

I recently went through a series of health issues that I was heavily medicated for. I accidentally issued 2 online payments for the month of XX/XX/XXXX. They refuse to return one of my payments because they now consider my account " current. '' My bank is unable to assist me since payment was sent out in a check. I now have an overdrawn account and bills and food that will not be paid nor purchased for the rest of the month. 

If there is anyone that can help me, I really need the help to resolve this ongoing issue.
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN, THESE ACCOUNTS ARE NEGATIVELY REPORTING ON MY CREDIT AND THEY ARE NEGATIVELY AFFECTING ME. I WOULD LOVE FOR THEM TO BE REMOVED AS SOON AS POSSIBLE. PLEASE AND THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act convergent XXXX 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN SAID ACCOUNT # XXXX XXXX XXXX OR CHILD SUPPORT WAS REPORTING ON MY CREDIT PROFILE AND IT IS INACCURATE AND SHOULD BE REMOVED AS PROMISED BY THE FLORIDA XXXX XXXX  AND IT SHOULD BE REMOVED ACCORDING TO FCRA SECTIONS 609,611, 1681 B
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX  Account # XXXX, and 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 Sections 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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Bank of America has moved dates of my transactions to other days putting my account into negative. As of Friday, XX/XX/XXXX, I received my job pay. Before XXXX, my account reached a negative balance of - {$110.00}. I called and was told accounting is done after XXXX. Not sure what that had to do with my account because any transaction I did showed my current balance. Saturday morning my account was adjusted ( positive status ) and I was able to put money in my account and use my debit card. By Monday ( XX/XX/XXXX ), my account was low but not negative in the morning. By Monday ( XX/XX/XXXX ) afternoon, my account was negative- {$190.00}, showing no debit or deposit transactions for Saturday ( XX/XX/XXXX ) and Sunday ( XX/XX/XXXX ). By Tuesday ( XX/XX/XXXX ) morning my account was still negative {$190.00}, BOA has NEVER let anything clear without money to cover it! I called customer service and was given the, sorry, theres nothing we can do. I called again, Wednesday morning ( XX/XX/XXXX ) and received the same message, accept this time saying they always do their accounting at XXXX, Mon - Friday?? But all my transactions are done during the day and any changes to my account BOA does was BEFORE XXXX. When I have looked at my account since Friday, XX/XX/XXXX - XX/XX/XXXX, BOA had changed my transactions processing dates again. For an example : I sent {$10.00} thru XXXX on Monday and BOA debit from my account and I have the XXXX receipt ( XX/XX/XXXX ), it now shows it was completed as of yesterday ( XX/XX/XXXX ) .This has happened along with other transactions that BOA sent me an email saying now I need to cover the {$190.00} Bank of America is double dipping by showing in my mobile app a transaction has taken place and then changed the date and then tell me to cover it in my account.
Product: Credit card or prepaid card

I have two balances - an interest bearing balance and a transfer balance with a zero percent interest rate. I generally have been paying from ten to almost sixty dollars over the minimum payment to reduce the interest I pay on the interest bearing balance. In XX/XX/XXXX of this year, I realized that the principal balance was not decreasing as quickly as it should have been, given the amounts in excess of the minimum required payment I had paid so I began looking at my statements more closely. I discovered that in XX/XX/XXXX of this year, 92 % of my payment, after the deduction of interest, had been applied to my zero interest balance transfer amount and only 8 % of the payment had been applied to the interest bearing portion of my card balance. I called Customer Service and complained about how my payments were being applied. I was told that there was no way to control how payments were divided between the interest bearing balance and the zero interest transfer balance. By applying substantially more of my payments to the zero interest balance account than it does to the interest bearing balance, the bank is increasing the amount of interest that I pay and it receives. In three instances in the last 9 months, the bank has run afoul of 12 CFR 1026.53 ( a ) which provides that " when a consumer makes a payment in excess of the required minimum periodic payment for a credit card account under an open-end consumer credit plan, the card issuer must allocate the excess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on the applicable APR ''. In XX/XX/XXXX of this year, only {$11.00} of the {$15.00} I paid over the minimum was applied to the interest bearing portion of my account. In XX/XX/XXXX of this year, only {$17.00} of the {$31.00} I paid over the minimum was applied to the interest bearing portion of my account. In XX/XX/XXXX of this year, only {$6.00} of the {$13.00} I paid over the minimum was applied to the interest bearing portion of my account. In short, the principal on my interest bearing account, by law, should be reduced by {$23.00} and the interest adjusted accordingly. When I opened this account, I assumed that at least 50 % of my payments, after deducting earned interest, would be applied to my interest bearing balance. I feel most reasonable consumers would make the same assumption. I am very upset that this is not the case and that the bank can apply most of my payments to the zero interest account to increase the amount of interest it receives. This is very unfair to consumers.
Product: Vehicle loan or lease

I have sent letters and/or called on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX requesting an itemized statement for all additional charges and why. My documents do not match what i have been told on the phone. 
I am entitled to this statement, please send immediately as the loan matures XX/XX/XXXX with a balance of {$2400.00}
Product: Debt collection

I have XXXX knowledge of this account. According to my XXXX credit report, this debt is from XXXX of 2014. I have not received ANY correspondence from this company in the mail, not have I ever received a phone call regarding this debt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was impossible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried calling XXXX, Equifax and also XXXX to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

XXXX has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX   XXXX XXXX XXXX La, XXXX is my correct previous address. 

XXXX has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

Equifax has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.
Product: Money transfer, virtual currency, or money service

I was sold counterfeit coins by a XXXX company that operated under several names and was advertized on XXXX and the money was taken in by paypal. I will include police reports and an IC3 form detailing the dollar amounts. PayPal at first offered me a system by which I could get a refund and refunded one of the shipments and then led me on a wild goosechase through there messaging system ( which they said was the only way they could be contacted, so i was never able to talk to a real person although I requested this multiple times. They said they would do it, but then refused. They wanted me to ship the coins back to the counterfeiters at my own expense and wait for a refund from counterfeiters. I refused to do this as it is against the law and two of the coins if real had a {$40000.00} plus value. In addition although I was in contact with paypal daily, reported this to XXXX which was running the ads, the police department, the FBI and the Secret Service, they are still running the ads and operating the same scam.
Product: Mortgage

I am writing this complaint against Cross Country Mortgage in XXXX, WY. My wife and I went through the process to secure a VA loan through Cross Country Mortgage on a property for our next station. Approximately 5 days before closing, I notified the lender of some misinformation in our initial documents. On the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Initial Disclosure it states : XXXX XXXX XXXX XXXX is to be retained as second home. Currently the home is listed for sale at a price of {$420000.00}. The current XXXX estimate of that home as of XX/XX/year> is {$410000.00} which will net us a loss of approximately {$30000.00} with fees included. However, on the VA Form 26-1802a HUD V.A. Addendum the same dwelling is stated as to be sold and has a sales price of {$520000.00}. On the initial disclosure forms they stated that we would be bringing {$75000.00} to closing because of sale of real-estate. The lender told me they were just initial documents, and any error would be corrected before closing. We had also stated the property had a failing radon test, which the builder then corrected by installing a radon mitigation system. However, we never received a passing test. Because of these issues we asked that our loan be withdrawn. Then we received an email saying they could not withdraw our loan until they received a termination of contract from both parties. After further scrutiny of all documents, we then discovered that the well test for the property in question was done against the procedures established by the Department of Veteran Affairs guidance. In this case the builder, took the sample himself, and only tested for lead. In the Department of Veteran Affairs lender handbook Chapter 12 topic 15 and 16 is specifically identifies that the personal well be tested for human consumption and that an uninterested 3rd party must collect and transport the specimen to the testing authority. Further, during the Radon test timeframe, the VA loan appraiser conducted their inspection of the property. As a result, it is difficult to extrapolate real numbers from that test due to the appraiser having to move around the home/basement, open doors, and verify certain minimum property requirements. In theory, that test could have come in much higher. Although it did fail, it does cast doubt on the accuracy of this test. I again emailed our lender and stated that because of this non-compliance, we request that they deny the loan. The loan offer 's response was that her manager and the underwriter are not able to issue a denial letter because the water did not fail the test.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and repeated explained to Transunion I was A victim of identity theft which resulted in several hard inquiries that are all fraudulent. I have reached out to the companies listed and they have all informed me to file A dispute with the credit bureaus. When I called the credit bureaus I was told to contact the creditors. I have now added A freeze to my account and changed all passwords as someone had access to my information and was using it. Since I have changed all passwords and would like to have all inaccurately reported hard inquiries removed. There are 24 hard inquiries showing total. Some of them even show 3 and 4 pulls in the same day from the same companies. I have listed below the inquiries i am requesting be disputed along with the dates. Addionally I have attached my social security card and drivers license for security. 


XXXX XXXX & XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, ( multple for same dates XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX , XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Sentry Credit contacted me about an unpaid medical debt from the XXXX XXXX XXXX XXXX XXXX  totaling {$130.00} in XXXX of XXXX. This was a surprise to me, because correspondence had been spotty as I moved from XXXX  to XXXX XXXX  during XXXX of XXXX  and also suffered credit fraud in the same period. 

I contacted Sentry Credit to verify the debt, and checked with the XXXX XXXX XXXX medical system. I found I had a small balance, far less than {$130.00}, and paid it directly with the XXXX XXXX XXXX XXXXXXXX XXXX. However, Sentry Credit did not respond to my request for verification and thus I can not validate their debt. 

Meanwhile, Sentry Credit illegally reported this debt to all three credit agencies, impacting my credit. First, the debt has not been verified. Second, medical debt < {$500.00} is illegal to report to credit agencies.
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. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

Had a storm hit my home, with tree falling on home, wind, hail damage to home, vehicles, pool, hotub. XXXX XXXX XXXX XXXX took almost 2 months to write check which is around XXXX in total. While waiting for insurance company, I had to start repairs, hire contractors, pay contractors, and also did a lot of work myself, since I use to be a contractor and built homes. I paid for work, supplies, and contractors myself, out of pocket, and currently have paid XXXX, somewhere around XXXX in repairs out of my pocket. I received a check to me and Franklin American mortgage. I contact them about endorsing the check, so I can continue to have my worked on, and get it finished. I was told NO. They will keep all funds, and release money to contractors they approve. And any money I am out of pocket, is just my loss, because I 'm no longer a licensed contractor, and let my license expire in 2007 when I was sent to XXXX and did not renew it, and decided to not build anymore and became a full time XXXX. I was told money paid to contractors already, was not approved XXXX, and would not be paid back to me. And any contractor working on my home now, will not get paid unless they submit a stack of forms required. And I was forced to pay out of pocket for work done to that point, and contractors said they will no longer work on my home, because they have had to deal with Franklin mortgage before, and it took weeks or even months to get paid, because they always found a reason to delay payment. And the contractors refused to wait for XXXX, and said I was responsible for payment immediately upon completion, or they would not agree to do work. So XXXX refuses to endorse check, or pay money paid by me already. They are going to hold all funds and release it only when they agree too
Product: Student loan

I contacted Myfedloan multiple times in XXXX and XXXX seeking my payment history for XXXX. I made payments in XXXX, XXXX, XXXX and XXXX. I need this information to satisfy the Maryland Higher Education Tax Credit. When I finally got through to someone in XX/XX/XXXX the third level supervisor said that the system had somehow been blocking my requests. They promised to send my full payment history. I received payment history information for XXXX but nothing for XXXX. My loans were forgiven in XX/XX/XXXX and Myfedloans is no longer in business. Since my loans were forgiven I don't think that I can access this information through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year this is not a regular dispute i have filed a compliant with the federal trade commission and XX/XX/XXXXbecause to my knowledge I do not recall any of these accounts. I need this problem fixed asap. I will not wait another 50 days to receive response because clearly yawl ignoring me. I demand these accounts be deleted immediately or I will file for ligation due to the stress you gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.