23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/year> I have paid off my loan to loancare closing on the sale of the property. 2 checks were made out to Loancare ; # XXXX XXXX and # XXXX XXXX for a total amount of XXXX as per the payoff statement. These payments were suppose to cover 2 principals. The first was for loancare at the amount of XXXX. The second was for HUD XXXX with XXXX added with fees of XXXX. 
It appears Loancare did not pay HUD their amount and not a year later that amount XXXX is now part of debt collections with Department of Treasury. This has messed up my credit, and also debt is probably reaching more than XXXX with added daily interest. I have been contacting Loancare but they keep saying they are researching. This has a significant detrimental impact on me for something the Loancare should have paid off as they had the funds.
Product: Checking or savings account

Made a deposit of {$990.00} to a XXXX XXXX called " TheTenn ''. Their banking products are issued by their partner bank XXXX XXXXXXXX XXXX XXXXXXXX. 

After the funds fully cleared, the company locked my accounts and refused me access. They then requested verification documents which I submitted. 
After that there has been no help from the company and they have continued to refuse me access to my funds and seemingly are attempting to steal them/hold them hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX my XXXX account was send to collection with a balance of XXXX dlls that was how much the company was charging me alleging I did n't return a cable box, wich I did, when I hire XXXX as my cable provider they sent me a total of 4 boxes on the mail to connect myself, but one of them did n't work and I went to my local XXXX office to exchange it and they did, but what they did n't do was to record that I was actually returning a box, when I cancelled my service I had to return 4 boxes but they were saying it was a total of 5 boxes I did n't pay then, and they put me on collection after a few years on XX/XX/XXXX, I went ahead and pay the debt, that 's ok, but that 's not my complaint, my complaint its about the collection agency not deleting the record of the debt so my credit scores can go higher, the name of the company is XXXX XXXX XXXX.i called them several times asking if they can do it but my answer is always no, Hopefully you can help me and so I can be able to bring my credit scores higher. thank you
Product: Mortgage

Loan owned by XXXX was sold to LoanCare in XX/XX/XXXX. Payments were made to LoanCare in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was notified that I was behind in my mortgage payments. It was discovered that the payments were submitted to LoanCare with an incorrect account number provided to me by XXXX. I provided bank statements showing payments made to LoanCare, the amount and the account number submitted. LoanCare opened a research ticket to try to locate the payments. That ticket was closed and in XX/XX/XXXX I was notified again of my mortgage being in default and was approached with a loan modification. I called LoanCare in XX/XX/XXXX and explained the situation again to the representative and again emailed the bank statements showing payment. Representative stated she could do nothing about this and had to escalate to a supervisor. I continued to follow up with LoanCare monthly requesting status of the payments and each time a representative stated they didnt know what was going on and a research ticket would need to be opened. The most recent research ticket # with LoanCare is XXXX. I continue to request an update on this ticket, and I continue to get a response stating, Please allow more time for your request to be completed as it has been forwarded to the appropriate department for research and review. 
Now my loan has been sold again to XXXX XXXX. I made my fist payment to XXXX XXXX and notified them of the situation as I am now showing in default with XXXX XXXX. 
I have provided bank statements to XXXX XXXX as well showing the payments made to LoanCare in XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

My car company https : //www.regionalacceptance.com contacted me about my loan. The representative violated the FDCPA laws during the call. The representative name XXXX XXXX called me and did not provide any disclosures and nor did he perform verification to ensure he was speaking to the right person. The representative started yelling at me about the status of my account and started demanding payment. At the time of the call XXXX XX/XX/23 I had other people in the car with me who over heard the whole conversation. The representative was rude and very unprofessional. The representative even advised me to give my car back and told me my loan status was unacceptable. He didnt not offer me any options or try to figure out my situation. I advised the representative I had an issue with how he was conducting himself during the call and the representative continued being disrespectful to me.
Product: Debt collection

. months later my home flooded, as did much of the surrounding area that i live in, and insurance would not cover it. I had to stop payments on several things including this furniture acct in order to not lose my home and rebuild three rooms in my home. In XX/XX/XXXX this account went into collections and i set up payments with Admin Recovery to pay this off. the payments came directly out of my checking account each month until this month, XX/XX/XXXX. The reason i stopped payments was due to the balance on the statements. I realized, yes i should have paid attention earlier and did not, the balance every month as on Admin Recovery 's statements is {$2500.00}. The same amount on every statement which is n't even the amount I originally financed. To make matters worse, I checked my credit on XX/XX/XXXX due to being subjected to the XXXX hackng issue, and saw that on my credit report the balance has n't changed either. It states the higher amount there as well and does not reflect any payments at all, even though i have been paying a year now. I called my bank and stopped payments on XX/XX/XXXX. I spoke with a supervisor at Admin Recovery on XX/XX/XXXX and explained all of this to him. I also told him they will not get any more payments automatically drafted from my account and that I am investigating this further before they get anything and that my hope is to just start paying XXXX XXXX again directly. The only comment the supervisor gave me is that i need to do what i need to do and that they will not give me a balance update until the account is paid in full. That is ridiculous! How will I know it if it is paid off, how long i have, what is left? When i originally set up the payments the man on the phone told me it would be paid off in XX/XX/XXXX, at the amount i am paying a month and this inflated amount that would never happen. Something suspicious is going on here. How am i not allowed to know the balance?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2018 I sent out dispute letters to Transunion Requesting that Transunion Produce the Original Creditors Documentation for my account. Each time that i receive my results the mail from Transunion which by the way are less than 30 days and only a few days between the time I send out my disputes to Transunion and Transunion reply/results, which leads me to believe that Transunion is not doing an Investigation at all! Transunion keeps giving me the same results 'ACCOUNT VALIDATED ', which i am not disputing the Validity of my account, I'm simply REQUESTING that Transunion Provide me with the Original Creditors Documentation for my account AS PER FCRA 609 ( c ) ( 2 ) ( e ) - A CREDIT REPORTING AGENCY IS REQUIRED TO HAVE A COPY OF THE ORIGINAL SIGNED CREDIT APPLICATION/DOCUMENT THAT WAS USED TO OPEN THE ACCOUNT VERIFYING THAT THE ACCOUNT BELONGS TO THE CONSUMER. WHICH WOULD BE ME.

Transunion keeps stalling and giving me the run around hoping that I will just go away but I wont. And if Transunion continues to Violate the my rights and the FCRA LAWS, THEN THIS COULD TURN LEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, have no way of reporting to the credit bureaus that a credit card from XXXX XXXX is missing on my report. I have clarified with XXXX that they have been reporting with monthly statements but I still see nothing on my Experion,  XXXX, or XXXX reports. When trying to contact all agencies there is no service available that allows me to dispute a missing credit account. The only options I am given are to dispute an account that already shows on my report.
Product: Debt collection

XXXX credit card is reporting me for a balance of : XXXX XXXX XXXX Last reported XX/XX/2020 {$730.00} Reported balance Credit limit This is not my account. This is a result of fraud. They will not properly investigate this to remove this from my report.
Product: Mortgage

bank of America has refused to assist me with my mortgage issues. They have delayed assistance over and over, and initiated foreclosure against myself. They have violated the fha hud servicing requirements several times.
Product: Checking or savings account

To Whom It XXXX Concern, My name is XXXX XXXX, and I am filing this complaint regarding the mishandling of my accounts by Citi Bank. My first case number with XXXX XXXX is : XXXX and the specialist name from the XXXX team is XXXX XXXX with extension XXXX. 

On XX/XX/year>, I began experiencing issues accessing my online banking services, receiving error messages indicating system delays. After waiting XXXX hours without resolution, I contacted Citi Bank 's customer service on XX/XX/year>, and was informed by the fraud department that there was a security alert on my account. I was assured that after verifying my identity, the issue would be promptly resolved. 

However, I was later informed that Citi Bank had restricted my accounts and intended to close them within XXXX days, and these accounts would be returned to me. This is particularly alarming as my savings account holds over {$2500.00}, which I urgently need for essential daily expenses and bills. All funds in my accounts were transferred from my XXXX XXXX XXXX  account via XXXX, and I have provided Citi Bank with documentation proving the legitimacy of these transactions. 

After being told by the case specialist that both of my accounts were completly closed the funds are being expedited to me I was only sent a check for the balance of my checking account, which was under {$8.00}, while my savings account with over {$2500.00} remains inaccessible. When I reopened my claim, I was informed that I needed to verify additional information to either expedite the return of my funds or regain access to my account. However, whenever I attempt to contact the fraud department, I am either placed on indefinite hold or told that a higher representative will assist me, but this never occurs. 

I have repeatedly provided all necessary documentation, including proof of legitimate transfers, to Citi Bank and have fully complied with their requests. Nonetheless, my funds remain withheld, and my attempts to resolve this issue have been met with delays and unhelpful responses from Citi Bank 's representatives. 

This situation has caused me significant stress and financial hardship, as I rely on these funds for my daily living expenses. I believe that Citi Banks actions in this matter are unjust and potentially unlawful. 

I am requesting the immediate return of my funds and a full investigation into Citi Banks handling of my accounts. I am prepared to pursue legal action if this matter is not resolved promptly. 


Thank you for your attention to this urgent complaint. I look forward to your assistance in resolving this matter. 

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

I was granted Forebearance by my Mortgage company XXXX from XX/XX/XXXX to XX/XX/XXXX -- - They unfreezed my credit and just started this month in XX/XX/XXXX to add negative information- that I was late 26 payment, when i was actually in forebearance. They took one year to modify my mortgage payment from XX/XX/XXXX to XX/XX/XXXX, and just sent my first new statement in over a year ... that my payment was changed from {$2800.00} to {$2500.00}, new payment effective XX/XX/XXXX. Also I wrote back on XX/XX/XXXX that my common law spouse also a co-borrower on my the shared mortgage loan, died back on XX/XX/XXXX as i have death certificate on file, wrote a hardship letter to XXXX... they have ignore my request. XXXX XXXX was a XXXX XXXX working the XXXX  XXXX ward at XXXX XXXX and XXXX at a XXXX XXXX... .was very sick from XX/XX/XXXX to XXXX XXXX when he died at home from XXXX causing mulitple XXXX in his body. I requested XXXX for hardship on my mortgage loan and they have ignore my request. I am seeking further help for CFPB to intervene in this matter. Their Loss and migitation department is a mess, that handle forebearance customers ... .I request help many times..and they are messed up my credit report as being late 26 times.
Product: Mortgage

Potential wrongful practices with mortgages. That includes charged fees when they shouldnt have been or loan holders that were unfairly turned down when they requested modifications to their loan to avoid foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX  : {$650.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit on XX/XX/XXXX, I noticed there were some hard inquiries that were listed that do not have permissible purpose. According to The Fair Credit Reporting Act Article 15 USC 1681 B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was a victim of fraud, a person deposited a check into my account, the bank put the check as available so I used that money and returned the money to the person who deposited the check, then the bank rejected the check but I had already paid that money through an application called XXXX since I assumed that the check was real, now I owe XXXX that money, if the bank had not put that money as available I would never have returned that money
Product: Credit card or prepaid card

On XX/XX/XXXX I paid {$4100.00} for a XXXX year gym membership and coaching program. In the last of XX/XX/XXXX the gym closed suddenly ( it was XXXX days notice that they wouldn't be open on XX/XX/XXXX ). The gym also stopped providing the online programming/coaching that went with this membership. They did not refund the 5 months of the XXXX year paid - this amount was {$1700.00}. 

That amount was disputed with AMEX, which I used for the purchase. They initially refunded the account. However, they later re-applied the charge stating the vendor had submitted documentation. 

The documentation submitted was sent to me - it was a month-month contract ( which was not our contract XXXX not signed by me. There was a signature on the document which clearly is not mine. The reason given by AMEX for re-applying the charge was that I " did not follow cancellation procedure ''. This reason does not make sense given the business closed and the owners immediately moved out of state. And, as mentioned, they also stopped providing the online coaching component of the membership. 

I notified AMEX that the document submitted was not signed by me and did not even match the type of membership I had with the vendor. They did not review the case again. As they started to charge me interest on the re-applied balance I paid the charge again today.
Product: Money transfer, virtual currency, or money service

Robinhood restricted my account over 2 years ago over fraudulent activity. 
There was a linked bank account that was opened in my name without my permission and they are wanting me to prove that the fraudulent account belongs to me in order for them to unrestrict my account and release my funds. 
The problem is how do I prove ownership of an account I didnt authorize or open. I have had money held hostage in this account for many years. I asked them could they just close the account and send me my money back since Im unable to trade or take my money out but they wont budge. It is honestly starting to feel like they are holding my money unjustifiably. My account has a balance of {$100.00} and my account number is # XXXX. I am hoping I can recover my funds and leave this company for good!
Product: Debt collection

I live in XXXX, Nebraska. A lawyer for XXXX XXXX XXXX, XXXX XXXX XXXX has sued me for {$1300.00}. I have never owed this money to any individual, company or agency. Nor was I given a written notice that I would be sued, before I was actually sued. I was denied any opportunity to dispute the fraudulent debt outside of court. A simple web search proves that this law firm has been the recipient of multiple complaints in the past 12 months. ( https : XXXX ) The address for the lawyer listed in court papers is XXXX XXXX XXXX XXXX, XXXX XXXX , MN XXXX. I was served with a certified letter containing a Summons issued by XXXX XXXX XXXX in Nebraska post marked XX/XX/2020. The postal service did not deliver the letter until XX/XX/2020. I have never lived in, or traveled to XXXX. 

The plaintiff, Ffif-acm XXXX XXXX XXXX, is a foreign limited liability company with no physical office in Nebraska and perhaps not even in the USA. They have all the hallmarks of a shell company. I have never done any business with this company and I have never borrowed money from this company. I have not been presented with any bill of sale, receipt, invoice or signed contract showing when I agreed to pay this money. Nor have I been shown any documents to explain what purpose the money is allegedly owed for.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> I have made multiple attempts to dispute the 30 day late error and have exhausted all the Experian processes at this point it is insanity!! I reached out to FINEX credit Union and they verified that they NEVER received any communication from Experian to fix the issue YET I disput the same thing once with XXXX and they fixed it right away!! 
This failed attempt has literally cost me thousands of dollars I WANT THIS FIXED IMMEDIATELY!!
Product: Student loan

I work for the XXXX XXXX  and earned a student loan payment incentive for a net amount of {$8400.00}, which was paid to nelnet on XX/XX/XXXX. On XX/XX/XXXX, nelnet posted XXXX payments on my account for {$5200.00} and {$230.00}, totalling {$5400.00}. The other {$3000.00} was missing. I waited until XX/XX/XXXX to call and spoke with a representative who indicated they didn't know which of my loans I'd want the other {$3000.00} applied to so they didn't apply it ( or contact me to find out what loan to apply it to ). During the XX/XX/XXXX call, the worker filled out a form E and requested my {$3000.00} be applied to my highest interest rate group and informed me they would process that and allocate the payment. On XX/XX/XXXX I called again. The worker indicated an E form was submitted on XX/XX/XXXX to reflect where to apply the rest of the payment. The worker indicated it would take up to 6 weeks to be finalized from the XX/XX/XXXX date. The worker did not understand my questions about getting additional credits towards accrued interest in the time that it took Nelnet to apply the large payment they should have applied on XX/XX/XXXX with the rest of the money they received ( as of today 's date, XXXX weeks of accrued interest on {$3000.00} ). 


There is still no resolution and its been over 8 weeks since I placed the call on XX/XX/XXXX. I want my {$3000.00} payment applied and back interest for the XXXX weeks of capitalized interest on my loan.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CEPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX