23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I called Ally Bank to inquire about XXXX third party checks I received from my home loan company. I was unable to deposit into my account virtually and was instructed for this type of check they had to be mailed. I mailed them on that day to be delivered on XX/XX/XXXX. I didnt see the money in my account at the end of that week yet, so I called back on XX/XX/XXXX to inquire. I was told my name wasnt listed as an authorized person on my joint account with my spouse and we needed to complete an official application to have me added. We did this on XX/XX/XXXX. By the following Monday XXXX funds had still not been distributed to my account so we called back and were told that because my XXXX Adjuster was on the check, plus my home loan company they would not be able to accept the check. These checks were properly endorsed by all parties and they in fact cashed said check, it cleared my insurance company the prior week. They then provided me with two options 1 ) add my public adjuster to our account or 2 ) mail us new checks since they had cashed the others. This would then require me to have to go through the entire process of endorsement again or add my public adjuster to my account. I wasnt satisfied with either option and told them I would speak with my husband, but we might add the PA to our account. My husband called back the next day and told them to just mail the checks. They did NOT mail the checks and we found this out because I called back this week XXXX  XX/XX/XXXX to inquire and they said we didnt tell them to mail them, they were waiting for us to add our PA to our account. I asked to escalate this and I received a call to discuss my complaint today XX/XX/XXXX. They would not accept responsibility for already cashing the checks. They have been holding my money on some general ledger, not in my account and we are just getting the run around. I finally got so sick of it I just told them to mail the checks, but this is not right. If they wouldnt accept those checks they should have mailed me back the originals. They took my money, never put in my account to start collecting interest and drug this out until today. I also still dont have my money to get my roof fixed from hail damage.
Product: Debt collection

I saw I was in collections with XXXX XXXX XXXX  through My credit report for XXXX XXXX XXXX I reached out to both companys requesting an iteamization /complete bill breakdown XXXX XXXX XXXX informed me they had no record of it and instructed me to contact the collection Agency which I did and was Only emailed a form stating there was a past due balance of XXXX there was nothing stating what the charges were for there for the debt dose not exist.
Product: Checking or savings account

I had a CD approaching maturity and was sent a pre-renewal notification advising that I could go online to renew, or call a banker to renew. I chose to use their website to choose renewal terms on my existing CD. The options I needed to update to provide renewal terms were, if I wanted to add or delete money to the existing CD and the length of time for the new CD. The length of time also shows the interest rate being offered for that amount of time. There is a drop down that allow the selection for each of these. I chose to ADD money BECAUSE of the promotional APY of XXXX that was presented to me on their website. By selecting the promotional offer, I needed to also increase the length of my existing CD from a XXXX term to a XXXX term. I also chose to add {$3000.00} to the existing CD. I then received a confirmation on their website of my new renewal terms. However, when my CD renewed, they only chose to take the {$3000.00} from my bank account to add it to the CD and they extended my new CD term by XXXX additional months. They did NOT warrant the third item of renewing at the rate that was offered with those terms in my renewal instructions. The bank has confirmed that there was indeed the XXXX promotion in place when I submitted my renewal instructions on their website. However they are telling me that the CD renews at the rate in place on the date of maturity. So, I feel like this " almost '' has a bait-and-switch appearance to it because they added $ to it and extended the CD term but did not provide the rate that was presented/promised. My decisions on the renewal terms were based solely on the new rates that they presented to me on their website and I would have NEVER increased the term, or ADDED money to it, if I would have believed that they would not also honor the interest rate that was presented on the same screen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/scrub> 2024 A REGULAR MONTHLY PAYMENT IN THE AMOUNT OF XXXX XXXX XXXX XXXX DOLLARS ( {$1600.00} ) WAS SENT THROUGH ZELLE AND RECEIVED BY AN UNKNOWN PERSON. The intended payee was in my contacts, however, her Zelle number fraudulently changed. Zelle and the banking institutions did not alert either one of us of the change, therefore, the funds were fraudulently deposited into an account other than the intended payee. Because the intended payee is in my contacts, no alert was provided prior to confirming the payment. AFTER the payment was received by the culprit, his name and telephone number were posted. IF this information been present prior to submitting the payment, ZELLE would have sent a warning. Normally if a payee is not in my contacts I receive an alert before confirming the payment. XXXX, my banking institution would not investigate the transaction as requested. XXXX labelled the transaction as error NOT fraud. AFTER filing a police report, XXXX did reimburse me the total amount of the payment loss, however, the perpetrators have not been investigated. The banking institution of the perpetrators, XXXX XXXX, agreed to cooperate with the disclosure of the recipient upon request from XXXX or law enforcement. XXXX refused and our local law enforcement needed XXXX 's support. Since XXXX refunded me of the monies lost, the law enforcement ( XXXX Police Department ) closed the case. 

Five months later, a person in my contacts had a notification from her banking institution, XXXX, alerting her of a number change on her Zelle account. She notified both Zelle and XXXX that she did not authorize the number change. Neither institutions provided clarity on how the fraudulent number change occurred. 

XXXX people in my contacts experienced unauthorized number changes to the Zelle account and neither Zelle or the banking institutions have answers. Unfortunately, my bank, XXXX, refused to follow up, therefore, allowing the culprits to continue these fraudulent actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

E-mail was received from affirm to confirm that autopay has been enabled. The last one was on XX/XX/2022. However " affirm '' did not debit my account on the mentioned date to get the available funds that were sufficient. Since then, they never call or send an email regarding a recall for payment, neither to notify a late payment.This lack of communication can put the clients in a really bad situation regarding their credit. I wish that they resolve this issue for a better consumer experience!
Product: Mortgage

In XXXX I paid XXXX XXXX to XXXX Mortgage to reinstate the mortgage on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Subsequently I refinanced with XXXX closing, XXXX/XXXX/XXXX in the amount of XXXX XXXX, loan # XXXX. On XXXX/XXXX/XXXX, XXXX became the investor and XXXX XXXX XXXX XXXX the servicer. Payments were made until XXXX/XXXX/XXXX through the servicer. 
In XXXX I was notified by the V A of a serious medical issue and instructed to report to the VA XXXX XXXX XXXX XXXX in XXXX XXXX Tennessee. On XXXX/XXXX/XXXX I reported as instructed and remained until XXXX/XXXX/XXXX. Due to the medical issues XXXX XXXX XXXX and my temporary inability to pay, the servicer began foreclosure proceedings XXXX which was fraudulent due to the use of an invalid assignment to base proceedings on. 
The assignment was executed on XXXX/XXXX/XXXX, assignor XXXX XXXX XXXX XXXX the recording date XXXX/XXXX/XXXX and the alleged assigner was XXXX XXXX, assistant secretary of XXXX, who is the nominee of the deed of trust and not the note thereby overstepping any authority XXXX XXXX may have assuming that XXXX XXXX is a real person. 
XXXX XXXX XXXX 's signature is highly suspicious and was notarized by XXXX XXXX. XXXX XXXX appears to be a robo signer. Recording number for the Assignment : Instrument # XXXX Bk XXXX pg XXXX in the XXXX XXXX North Carolina Register of Deeds. 
Notice : the assignment is in conflict with XXXX loan look up program which shows that XXXX owns the loan with an acquisition date of XXXX/XXXX/XXXX. The PSA show XXXX XXXX XXXX as a subservicer for XXXX and XXXX XXXX claims to be the assigner for XXXX however if XXXX is the Note owner of record then what is it that XXXX XXXX the alleged robo signer is assigning and with what standing? 
The assignment by XXXX XXXX is a pretense to obscure other interested parties in the transaction chain. 
The assignment does not correspond with the endorsement on the note. 
The note has been separated from the deed of trust which appears to be contrary to XXXX v XXXX and the note appears to have been securitized. 
I have been through the clerk 's hearing where the clerk allowed the servicer to bring a foreclosure action with no standing in law. I appealed to the court of appeals of North Carolina and the court decided that I had been relieved of my rights of due process. I went back to Superior Court in XXXX XXXX where the Judge disregarded the opinion of the Court of Appeals and still I have not been allowed to the rights of discovery. 
I filed yesterday XXXX/XXXX/XXXX in Superior Court as objection to the order to foreclose. 
The firm representing the XXXX XXXX XXXX XXXX, XXXX out of XXXX, XXXX is also the owner of the firm that provided the Substitute Trustee. 
There are XXXX loan numbers on the property and they are as follows ; XXXX ; XXXX XXXX XXXX XXXX ; XXXX Seterus , Inc . XXXX I have documented every interaction with the courts and the plaintiff. If you will let me know which documents would be helpful I can forward them to you.
Product: Credit reporting

I ca n't seem to access my credit report. Even on my XXXX credit monitoring, my Equifax report does not come through. Can I be provided with the Equifax confirmation number so I can look at my report for any inaccuracies.
Product: Student loan

I have been enrolled in the Public Service Loan Forgiveness program serviced by XXXX. I finished veterinary school in XX/XX/XXXX, and started making payments six months later. During that time period, I was working in a PSLF eligible position with the USDA. I made my payments on time, every month. I changed to a new PSLF eligible position for the University XXXX XXXX with only a one week period of time in between jobs ( equivalent to my accumulated vacation days ). I have recertified at the end of my XXXX employment ( XX/XX/XXXX ), and eligibility is confirmed. However, XXXX 's system only recognizes 5 of those payments. I have been attempting to get this adjusted by calling XXXX. I call XXXX once or twice a month to work on this issue. It has now been over a year, and XXXX operators still tell me that " it will be fixed, I can see someone working on it now. '' I have certified my employment at the University XXXX XXXX in XX/XX/XXXX, I have recertified in XX/XX/XXXX. XXXX has not updated my eligible payments. When I attempt to address this issue with XXXX phone operators, they seem confused and do not understand why the problem is not being worked on. I bring this issue up when I call XXXX once or twice a month. I make my payments on time and in the full amount that is due. I do this every month. 
The money that XXXX tells me is due each month seems incorrect. I want to be paying the correct amount. The XXXX operators have been unable to advise me on what amount I should be paying. I have asked if I should pay what I think I owe, and the operators have given me mixed opinions only. There does n't seem to be a policy to address this issue. Currently, they request that I make a payment of under {$6.00} per month. I make around XXXX annually, and the payoff amount on my XXXX account is over XXXX. I am not an accountant, but this seems very obviously incorrect. 
When I look at my individual loans in my XXXX account, my loans show that my last payment was in XX/XX/XXXX, but I have paid the total due, on time, each and every month. 
I have tried calling XXXX three times in the past 4 days. I am not able to get through to an operator anymore. I get a recording that asks me to call back later. I have emailed XXXX last week recapping this problem. I have not received an acknowledgment that anyone has received my e-mail. In the past two months, I have spent more than two hours per week on average trying to understand what I can do to fix these problems. In every instance, I have not been able to talk to anyone who can resolve these issues. 
Additionally, XXXX has LOST all information on any payments I have made prior to XX/XX/XXXX, and I think this may be part of the problem. Multiple phone operators have told me they can not find any payments before that date. I started paying into XXXX in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these accounts, but the bureaus did not remove them, nor prove validation.

Sec. 602 " I have a right to privacy ''. 

XXXX Account Number : XXXX Please remove it from my credit report. 
13. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine Account XXXX : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

19. The following account is not mine XXXX XXXX FL XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Capital Management Services calls multiple times per day, but will not say who they are calling for at my number. When I return the call, they ask for my name and the last XXXX digits of my SSN, but I refuse to give them that information. I will gladly provide my phone number ( since they already have it ), but they can not cross reference a number to a person. They threaten to garnish my wages, but they do n't even know who I am. This can not be a legitimate debt collector.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some incorrect information on my credit report. The details listed below are fraudulent, and I have no association with them. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Thank you for your attention to my credit report and for removing some of the incorrect information. There are still a few items that need further review and removal. This is my new complaint that I encountered incorrect credit report information and I write to dispute certain items in my file resulting from the problem. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file issues due to erroneous credit report details : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$75.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX  Balance : {$10.00} ; XXXX XXXX XXXX Balance : {$75.00} ; XXXX XXXX Balance : {$1900.00} ; 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  TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; KXXXX XXXX Balance : {$650.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$75.00} XXXX XXXX XXXX Balance : {$1900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Money transfer, virtual currency, or money service

I tried to send {$17.00} to a friend from XXXX and convert it into XXXX Dollars through the Wise money transfer website. They said that my verification failed which was my Drivers License, and have paused the money from reaching said friend but still took the money out of my account. Ive tried to verify myself in other ways but couldnt find any on the site.
Product: Checking or savings account

This is from a previous complaint # XXXX. Bank of America took collection actions which included temporarily holding my direct deposit payroll funds from my checking account until the balance was paid in full. The Balance has been paid in full, but Bank of America has not released all of my funds that total more than {$3000.00} in intercepted payroll checks. My B of A account number is XXXX. I have attempted to contact Bank of America 's compliance department and was forwarded to a voicemail. I left several messages and sent emails to the compliance department.
Product: Mortgage

Last year, my husband and I tried to refinance our first mortgage, which is held by PHH. Because PHH refused to rate our loan and report our payments to the credit bureaus and because they lied and said we had 30-day-lates everymonth for six years, FHA could not and would not refinance us. At this time last year we submitted a complaint with CFPB. PHH admitted not wrong doing. I was so demoralized and angry that, unfortunately, I did n't realize that I could dispute PHH 's response and let the complaint die. Now, a year later, we are trying to refi again, and guess what? PHH still has n't reported any of our payments as we requested they do so. And again, FHA wo n't refinance our current loan with PHH. Because PHH was n't listed with the credit bureaus, our application goes to a secondary set of requirements for a FHA loan, which include a higher credit score and a longer history of no lates. This is a circle of disaster. Because PHH has n't reported, our credit scores stay low and PHH still shows us as late from month XXXX on. It 's a no win situation. We are working with XXXX again and tried a million ways to talk to FHA to explain the unusual circumstances, but there is no way to submit an exception. Now, XXXX has found a lender that will refi our first mortgage with PHHm but not both the first and second. AND, the interest rate for the new loan is % XXXX when the FHA loan is for % XXXX. AND we ca n't include the second. I 've called PHH several times, and again we get the runaround and no one will speak to us regarding the reporting of our info to credit bureaus. Desperate, I 've been calling all my Federal reps and agencies. It looks as though XXXX may initiate a XXXX investigation and that would be great, however, all if this so darn slow and it does n't help our re-finance possibilities today. A non-profit suggested I file a second complaint to update the CFPB that PHH continues to engage in illegal and fraudulent activities. Can CFPB please look into how PHH remains in operation? And what are my rights as a consumer regarding recourse when a financial product company acts this way? Because I hate PHH so much and dealing with them has made us physically and mentally ill, I will go forward with the possible new loan for the first, but we continue to lose money and pay outrageous amounts in interest.
Product: Debt collection

This debt collector, using the name XXXX, has called my place of work on numerous occasions after being told that I do not consent to him calling me at this number. The debt is not even in my name, it belongs to my boyfriend XXXX XXXX. When I told him not to call my job anymore, he told me that he is aware of the law and that he does not need my permission to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The disputed items do not belong to me and needed much attention for their erroneous status. 

Here are the Items that needed removing : XXXXXXXX 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 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