23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan servicing company, Ditech, undertook a process which is described on their voicemail system as a " system upgrade '' that was to run from " XXXX XXXX, 2016 through XXXX XXXX, 2016. During that time, they explained on the telephone and on their recorded messages that no account information would be available and they were sorry for the inconvenience. Also during that time, my re-finance escrow closed and full final payment was transferred to Ditech per their instructions. Today, XXXX XXXX, 2016 when I log on via the internet and call customer service they are still unable " to see any information about this account other than the balance '' which they are still showing as if it had not been paid off. The recorded information actually says that my monthly payment that would have been on XXXX XXXX, 2016 had I not paid this debt off, is due. WHAT?! Additionally, they can not tell me anything about my impound account which should have had over {$3600.00} for a property tax payment due on XXXX XXXX, 2016. They can not tell me anything - if the tax has been paid or if it is being refunded to me. Basically, for over 14 days, they continue to hold my money while they earn on it, no doubt, and using the excuse of a " system upgrade '' can not give me any information or refund me my own money?!! How much longer will they be allowed to hold other people 's money and provide NO information about customer 's accounts? My account number is XXXX
Product: Money transfer, virtual currency, or money service

I created a wire transfer to XXXX using my Bank PENFED Credit Union on XX/XX/2024. The record id provided can not be use to track the wire. The XXXX XXXX did extensive search and could not located. The money has not arrived as of XX/XX/2024. During this time PENFED was contacted to provide updates and a proper reference number and/or receipt of transaction which they denied several time to provide. On the most recent call with XXXX XXXX on XX/XX/2024 I had to explain to him what the requirement of the XXXX wires are especially the fact that they at least have to provide an XXXX XXXX XXXX upon request, to what he was clueless about it, his XXXX XXXX XXXX and even the back officer support of XXXX XXXX wire department did not know what I was talking about. I learned that PENFED subcontracts its wires to XXXX XXXX. People who are not qualify, trained or knowledgable about wires should not be working in that specific department and should be fired immediately. My money is lost and no-one in PENFED is helping. I hope you can request the call from PENFED ob XX/XX/2024 with supervisor XXXX and tell me if he is qualify to be a supervisor at all.
Product: Student loan

I am the co-signer on my daughters student loan established XX/XX/2008 and have tried multiple times to be removed as the co-signer. Every time I call XXXX they tell me she has fulfilled the requirement of 48 consecutive on time payments, then when it goes to SunTrust, now Truist, they deny her application to remove me as the co-signer. We have never seen a late fee on statements each month, so we do not understand how they can say she was late on payments. She also has the payment automatically drawn from her account.
Product: Credit reporting or other personal consumer reports

I filed disputes on several creditors due to statue of limitations had expired, incorrect information was reported, and accounts were not mine. They denied to follow up with the investigation and would not allow me to re-dispute their findings. I was recently notified that CFPD has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information and failed to notify consumer dispute results. This aligns with my situation. XXXX, XXXX and Equifax have not attempted to remove, nor correct any information. XXXX, XXXX and Equifax also failed to remove improper addresses/spelling of name with the excuse " its linked to a collection account '' Im requesting the derogatory remarks be removed or corrected immediately, as it is affecting my changes to purchase a home and vehicle. XXXX, XXXX and Equifax violates my rights as a consumer, as well as federal laws.
Product: Student loan

Last year my loan was sold from XXXX to UHEAA, but XXXX was still servicing the loan. This was a change that I was notified of via a letter to my home address and a message when I logged onto the XXXX system. 

When I logged in today to make a payment the XXXX website would not give me any information on my loan and just said that I needed to go to the UHEAA website. I went to the website and followed the instructions to set up an account with UHEAA which the website indicated would allow me to make payments, set up automatic payments, etc.. I then called UHEAA in order to get more information on why I was not notified of this change and inquire how I would be able to make a payment in the future. They were not able to provide any information except the PO Box to mail the check to in XXXX. Apparently no one would access my loan information to tell me what payment is due, when the due date will be, or the outstanding balance. They just told me I would not be liable for a XX/XX/XXXX payment on the loan that they were " waiving '', but I do n't feel that 's truthful because when I inquired I was still going to be charged interest and be liable for this payment that would then be in XX/XX/XXXX, they just were changing the due date. Just to be clear- I had NO prior information that this change was going to occur. I check my student loan religiously and would have seen any notification on their website that they posted. 

I feel very fortunate that I have a job that has allowed me to prioritize repaying my loans. I only have XXXX dollars to go. I told UHEAA I was very upset by this change without being notified, so I just wished to get my payoff information so I could send a check for my final payment. That 's when it got even worse- No one can tell me what my final payoff information is. XXXX no longer has the information, but UHEAA has n't processed it yet so all they know is my demographic information and nothing actually about my loans. They told me to " guess '' what the payment would be and if it was close they would adjust it if I did n't pay enough or refund me if I paid too much. They told me to pull an old statement, but of course XXXX has foolishly talked me into doing everything online so I do n't even have a statement at home I can refer to! 

My complaints are this : 1. How can a loan be switched between companies to service them with NO information given to the customer. 
2. How can when this change occur the customer not be able to get ANY information on their loan from either company? 

To me this seems like what has occurred is questionable legally. 

Again, I feel fortunate that my student loan balance is no longer excessive and the impact on me with any accrued interest or potential fees would be minimal, but I feel this practice needs to be scrutinized. 

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

On XX/XX/2021 I sent a letter regarding a duplicate late payment on my credit report and I have yet to get this resolved. Their are duplicate student loan accounts reporting to my credit report for XXXX, XXXX, and Equifax in which they are affecting me negatively duplicate times. I have tried to resolve this matter with the companies and they have yet to remove the late payment from my report or even respond for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX posted inquires on three occasions I don't recall or recognize. I did not authorized any of those inquiries.
Product: Credit card or prepaid card

They do not have customer service personel. I have been on the phone over an hour and nobody answers. I cant get any assistance. I applied, they took {$750.00} from my bank account then after payment they are requesting more information. So, after thinking more clearly this card is not for me. I would like my money back in full and not retrieve a credit card with First Progress Cards.
Product: Vehicle loan or lease

Name : XXXX XXXX Account Number : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX/Santander This is my first time ever buying a car. XXXX  XXXX XXXX, I was just informed my contract was fraud. I didnt know I had the right to rescind the consumer credit transaction. My credit score was a XXXX. They demanded I put {$1000.00} down. I was told they werent supposed to comingle cash when it comes to a finance charge during a consumer transaction. Title 15 1635. Also, I pay my own car insurance. According to title 15 1605 insurance shouldve been included in the finance charge. I would like to arbitration and get an additional {$75000.00}. I have all documents I just wan na see if Im this is accurate??
Product: Credit card

NAVY FCU closed my credit line alleging I owe a debt. Federal law states when a consumer account is closed any balance over a {$1.00} is credited to the consumer. The bank also incurs no loss because its insured under NCUA.

1026.11 Treatment of credit balances ; account termination.

( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Credit the amount of the credit balance to the consumer 's account ; ( XXXX ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( XXXX  ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts reporting on my credit reports and have disputed them numerus times. I recently filed a police report regarding these fraud accounts and have confirmed they were received by all three credit agencies. Even with the Police Report I am begin told that they can not and will not be removed! An investigation has to take place and the creditors are the only ones who can remove and or block the accounts in question. This is not RIGHT!!!! I have XXXX % proof of these fraud accounts not begin mine! 
All three Credit agencies have overwhelming proof of these ID THEFT/FRAUD ACCOUNTS. Creditors keep saying these accounts are mine but will not provide any proof or documents to substantiate these claims. The following accounts are fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Typo in previous request. Alliant was notified of XX/XX/XXXX1 Bankruptcy/ not XXXX. 

I made 3 attempts to notify the company they are violating Fair Credit Reporting Act ( FCRA ). I FILED XXXX  XXXX BANKRUPTCY XX/XX/XXXX. Alliant was notified by my attorneys office and myself verbally. Alliant continued to report two account balances of approximately {$300.00} total to XXXX XXXX Because of Alliants willful violations of the FCRA, I was declined membership at XXXX XXXX XXXX XXXX and a {$12000.00} loan that I was approved for could not be issued. On XX/XX/XXXX at about XXXX I talked to XXXX XXXX ( supervisor ). She said she was unable to assist. This was my 3rd attempt. Two other attempts and no one contacted me as promised. 

It appears that due to a typo Alliant believes they should not be held accountable. Shame on you. You were made aware of my most recent bankruptcy on at least 3 separate occasions.
Product: Credit reporting or other personal consumer reports

I Should have Received a 1099c form which I Never did? as the Debt has Already been Paid Off by the Creditor and Now has a XXXX Balance : {$0.00} which is Not Reflecting on My Report and Should be Removed Immediately!!! ..
Product: Mortgage

My mortgage was transferred to LoanCare LLC about 6 months ago and I have an issue with a {$10.00} fee that I am being charged every month. They charge this fee depending on when you pay your mortgage during the month. I have been paying on the XXXX of every month due to my pay cycle at work and I am forced to pay an extra {$10.00} because of this. According to all my documents and closing papers this fee is being wrongfully charged. Before it was transferred I made my payments in a similar fashion and was never charged a fee. Is this legal? I would like to stop paying this fee and would also like to get my fee payments back.
Product: Payday loan, title loan, or personal loan

ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
794.901 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$4600.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$1400.00} This is a rip off
Product: Debt collection

Lowes has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

Had a wise transfer money account they closed it and I wan na activate it again my old account as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQURIES ARE UNAUTHORIZED -- -- -- - XXXX  ... XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXXXXXX XXXX ... XXXXXXXX XXXX ... XX/XX/XXXX XXXXXXXX XXXX ... XXXX XXXXXXXX XXXX ... XX/XX/XXXX XXXXXXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXXXXXX XXXX ... XX/XX/XXXX XXXX ... XX/XX/XXXX
Product: Debt collection

I was on a payment plan, I told the school I got laid off of work due to XXXX and was XXXX. I was told I could return the books and supplies so that they wouldnt bill me and no one ever sent a return instruction and now its on my credit for XXXX which is wrong because the program only cost XXXX I tried to dispute it and they rejected my claim
Product: Vehicle loan or lease

I have been a costumer of Exeter Finance since XXXX. The auto loan company submitted 6 late payments during the year of XXXX that was inaccurate due to my contacting them and making them aware of the late payments due to unemployment because of the COVID pandemic. I was advised on a recorded line that they would accept payments late without reporting it as such to the credit bureaus because of the extenuating circumstances at the time. After bringing this to the companies attention they still have not correct the information submitted to the bureaus.
Product: Credit reporting or other personal consumer reports

I received a notice from experian that a hard inquiry was submitted by XXXXCBNA in South Dakota on XX/XX/XXXX. I did not request or authorize this..
Product: Checking or savings account

XX/XX/2023 I deposited a check into my primary Bank of America account. I was told there was a second account in my name that I had not authorized. I told the bank representative to deposit my funds into my primary authorized account. Through an act of carelessness, the bank rep deposited the money into the wrong account. I spent the next 2 weeks calling the Bank Of America fraud department asking to have my funds released and the unauthorized account closed. A month later for reasons they failed to disclose Bank of America then froze my active checking account that I've had an used for 13 years. I continued to call. I provided every piece of documentation I was asked for. I went to my local branch seeking resolution many times in this matter. It has been 90 days and the unauthorized account is still frozen. Bank of America is holding approximately {$420.00}. In addition to freezing my funds into an unauthorized account, they are charging me a monthly maintenance fee that is eating away at the balance. My initial deposit was for {$440.00}.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX, PA, XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I noticed several fraudulent inaccuracies on my account. I then filed an identity theft report and sent all the supporting information to the company. The inaccurate, fraudulent information is hurting my ability to obtain new credit and affecting my ability to retain current credit lines. My credit score has decreased significantly. It is my understanding that you must investigate the items to ensure accurate and proper reporting. I requested another investigation and the immediate removal of the fraudulent XXXX XXXX XXXX account listed under my social. The company could not have possibly conducted a proper investigation. The XXXX XXXX XXXX account under my social security number does not even match my name on my social security card. I have only owned ONE vehicle in my entire life and I have the title, which I also provided to the company. That car was also NEVER, at ANY time, financed through XXXX and paid off over 4 years ago. I am requesting a real and THOROUGH investigation! Begin with the NAME PROVIDED! It is NOT my name! I have never had insurance or anything tying me to this fraudulent account/vehicle. I can provide proof of insurance on MY TITLED vehicle from the day I purchased it to today 's date. I am not even a resident of the state that vehicle was allegedly purchased in. I am demanding an IMMEDIATE deletion!
Product: Student loan

I was notified this morning XX/XX/20 that I have a student loan payment of over {$400.00} due on the XXXX. 8 day notice, which is actually 6 business days of notice. This is atrocious and unacceptable. 

How am I supposed to come up with that money on the fly right before the XXXX holiday and right around the holiday season? I have at this time requested a forbearance due to my financial situation but this delay is absolutely egregious and irresponsible. 

XXXX day notice is and should be the norm, not this 6 business day notification. I can not fathom how this occurred and why it was not processed sooner nor was I notified earlier. I have paperless notifications and billing, so there is no excuse there to associate with snail mail being the cause or root of this delay in notification and notice.

I imagine I am not the only one to experience this and I can not believe this has happened. I am hoping that my forbearance is approved or I will be forced to submit a late payment, which will negatively impact my status as a borrower, have negative repercussions upon my credit profile and ripple into another stream of problems.
Product: Checking or savings account

Penfed denies me a checking account vecause they cant process a fico credit score when i have proof of good credit.
Product: Debt collection

already try to fix this issue whit colector and bureaus but they don't do nothing i sent them 3 times letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX Phone : XXXX XXXX ) XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I tried obtaining a home loan for me and my family. At that time I discovered that an inaccurate account was still reporting on my credit report from a Bankruptcy that I filed back in XXXX. Upon discovering this, I disputed the inaccurate account with Discover Card and XXXX  Credit Bureau in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The Discover Card account is showing an outstanding balance of {$5800.00} and as an open account. The original amount that was filed in the Bankruptcy was for {$5500.00}. Due to the negligence of Discover not correcting their records, they have added interest and late fee 's onto this inaccurate Account. When I received the disputed results back from XXXX  Credit Bureau it always come back as VERIFIED AS ACCURATE. How is it verified as accurate when I have in black and white proof that shows there should not be a balance, the account should not be an open account, the account should not be a charge off and I included it in a Bankruptcy? That leads me to believe that either XXXX  DID NOT do a through investigation and did not give me my due process or when Discover Card sent information to XXXX  they DID NOT do a through investigation. None the less. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified as 100 % accurate information. I request that you DELETE this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit card or prepaid card

I was checking my credit card seen I was being charged a penalty interest rate. I have had this American Express card for 5 years and never late almost always pay more than payment due. In XXXX I added a new bank received Email as soon as I received email, I fixed it. Payment still on time. They raised my interest for accidently putting in account number wrong. Totally I unjustified action!!!
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXXXXXX. 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 an 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.