23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

While I sought relief under Chapter XXXX Bankruptcy filed inXX/XX/XXXX and Discharged in XXXX. The obligation with XXXX survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage. 

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.
Product: Mortgage

I have POA for my aunt, XXXX XXXX. She received mail from AAG mortgage regarding a reverse mortgage so I called them earlier this year to let them know I do have Power of Attorney and to request they stop sending mailings. The person I spoke with said the POA was noted and the request for reverse mortgage was old. I was also told no future mailings would be sent to her address. This has not happened and XXXX is receiving mailings almost daily at XXXX XXXX XXXX XXXX XXXX, VA XXXX. We are not interested in any service AAG provides and want no future contact with this company.
Product: Mortgage

Selenes abusive behavior has continued, but their methods of abusing their customers continue to metastasize. In our latest monthly mortgage statement ( XX/XX/23 ), Selene included {$950.00} in fees and charges. Here is the breakdown of charges ( see also attached document ) : XXXX XXXXXXXX XXXX  : {$31.00} XXXX costs : {$310.00} Publication : {$71.00} Postage Charges : {$590.00} XXXX XXXX XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX  : {$31.00} XXXXXXXX XXXX XXXX XXXX {$20.00} There is no further explanation for the fees/charges ( what are XXXX costs? ). I see no reasoning for these charges ; many of them seem excessive or ridiculous ( {$590.00} in postage charges! ). These charges are in addition to what Selene skimmed from our reinstatement payment in XXXX ( we have not received an explanation for what charges/fees were collected beyond the reinstatement quote in spite of submitting a qualified written request ). 

I would like the immediate removal of these undue charges on my account. 

I am completely unsurprised and somewhat amused at the continued machinations that Selene is pursuing to collect monies from their clients.

I doubt that Selenes attempts to collect extravagant fees are legal ; but they are definitely worth criminal scrutiny. I would like to again recommend that the CFPB refer Selene to the FBI for criminal investigation. Selene has continued to abuse mortgage laws, and their license to practice as a mortgage servicer should be revoked immediately and irrevocably.
Product: Mortgage

I have written to Bank of America at least XXXX times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter were dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing:1 ) that this mortgage was paid off for less than full amount2 ) I have been 120 past due for the last 2 yrsNone of the above is true especially when you note that they are reporting a closed loan with a 0 balance. This reporting can not be 100 % accurate as required by FCRA.. I do n't understand how they can avoid compliance with the law. I need your help. This inaccurate reporting and failure to rectify this matter despite my many prior letters requesting is hurting my credit and negatively affecting my ability to get a new home loan.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

This collection company has reaged my debt without my permission causing in my credit score to plummet GEN BUS RECXXXX XXXX XXXX XX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency GEN BUS RECOriginal Creditor XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsGENERAL BUS RECOVERIES XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

The payment was to high I was trying to refinance my loan for a lower payment
Product: Credit reporting or other personal consumer reports

After reviewing my Credit Report with TransUnion I noticed Inquiries on my TransUnion Credit Report that I did not Authorize that are not connected to any account on my credit report by these banks of dates listed XXXX XXXX XXXX XXXX Inquires Date XXXX and XXXX XXXX Inquries Date XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose to other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instruction for any inquiry to be allowed to report to TransUnion Credit Bureau. Please verify all written letters. 18 USC 1028A Aggregated Identity theft. TransUnion Credit Bureau has committed a crime according 18 USC 2028A Aggravated Identify Theft. Please remove all inquiries on my credit Report with TransUnion.
Product: Credit reporting or other personal consumer reports

Last XXXX I was a victim of fraud by obtaining a car loan check to purchase a vehicle but the check was cashed and I never received the vehicle. I informed the bank of this right away but was informed nothing they can do since the check was cashed and I was the guarantor of the car loan. So I am out of XXXX XXXX and have not vehicle. I have been communicating with Navy Federal about this and they made it very difficult to send them information and receive information. No one has taken the time to hear my story. You have to wait on the phone que for 2hrs, its a national crime and it seems like they are not doing anything to help members, in which i been a member since 2013. I followed all necessary steps to state my case in which I had to fill out there Declaration of Forgery/Fraud form, the form was filled out, but only to received a letter 30 days letter stating I am responsible for the XXXX XXXX  loan. In order for me to file a police report I needed the form to give to the Police Department. 

I requested a copy of the Declaration of Forgery/Fraud form but was informed I needed a subpoena from the Police Department XXXX I am only able to receive a subpoena once I have a court date. I need the form to send to the police report to file a police report. Navy Federal was not helpful and refused to send me back my original documentation that only has my personal information on the phone.
Product: Mortgage

Sometime around XXXX I filled out an application for forbearance with my lender, Citizens One for one of my rental properties. The bank states Your credit will not be affected and late fees will not apply when you enroll in forbearance.

About a week later I received a letter that said I did not qualify for forbearance, so I moved on. About a month and a half went by and I was reviewing my auto pay for my loans and I noticed XXXX was pass due. I called Citizens one to inquire. They stated you signed up for forbearance so we took you off auto pay. I told them I received a letter that said I didnt qualify for forbearance, they didnt seem to care. 

I inquired with XXXX credit bureau and noticed a late payment was reported by citizens. I called Citizens One back to notify them of this mistake, and ended up filing a complaint with customer service. They stated that the dispute would go to a different department and they would review my complaint. 

After about a month, I called today for an update, they stated that they will not update the credit bureaus of their mistake and have them take the missed payment off of my credit report. 

My complaint is this : I want The late payments to the credit bureaus taking off. I want to be able to talk to the department at Citizens One who was responsible with coming to the conclusion not to remove the late payment that was their fault, I want to know why I was taken off auto pay. 

Their conclusion does not take into account their responsibility for lying about the terms of the forbearance plan. They actually did the exact opposite of what the forbearance plan terms says, they reported me to the bureaus and added a late fee to my missed payment. I literally received a letter that said I didnt qualify for forbearance. and their terms say there is no penalty for missing a payment while on forbearance. 

They took me off auto pay without my knowledge. They applied late fees to me and reported me to the credit bureaus. Customer service has refused to let me speak with anyone in charge of the investing my missed payment. I am at a loss for what to do. I need help!
Product: Checking or savings account

I was trying to open a choice checking account with UMB, who asked me for personal information regarding myself and provided me with disclosures. However, during the identification questions step, they generated identity questions of two individuals of whom I don't even know, along with one valid question about my prior address. The application was promptly declined thereafter and no specific reason was provided. 

Given that UMB utilized a third-party database and credit agency information, specific reasons as to why this application was declined needs to be disclosed to me per applicable laws and regulations. The company did not provide such information or how issues, if any, can be resolved to open this checking account. I was kept dark during this entire process.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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
Product: Money transfer, virtual currency, or money service

I had a cash app account that had money in it, I had stocks in several businesses through their app, and I had XXXX  as well. My account some how got locked by cash app due to security and after I proved my identity, they refused to grant me access to my funds and stocks and they kept closing my cases and offered no recovery. They made it impossible to contact them with no phone number available and required communication through the app or my email.
Product: Checking or savings account

I Spoke To Supervisor XXXX XXXX XXXX She Was Unable To Assist Me She Did Not Answer My Questions I Explained To Her 3 Times That I Had A XXXX And She Was Talking Down To Me Unprofessional And She Did Not Actually Assist Me She Never Provided The Correct Cut Off Date For Deposits Or Transfers When In Fact Per THE Banker At XXXX XXXX XXXX IN All Transactions Posted Before Midnight Would Cover Any Negative Balances. I Made Sure To Cover The Payment Of {$44.00} and It was still Returned On Monday The Entire Time I Talked To Her She Was Arrogant, Rude And Argumentative I Want To Know Why The Banker Advised Me All Deposits And Transfers Made Before XXXX Would Cover Any Negative Balances. Why Are They Not Consistent With What The Information They Provide? According To XXXX After 20 Minutes She Advised The Cut Off Time Was XXXX. Because Of This Information I missed an important ( Medical ) Payment That Was Due And Now I have To pay a {$97.00} Return Fee From That Merchant Because Of Fifth Third Giving Me Incorrect Information I Would Like To File A Formal Compalint Against This Company
Product: Credit card

They offer no interest if you pay off your purchase within 6 months with there promotional purchases on XXXX. Then recently I noticed that after my last several weekly payments the balances for my promotional purchase balances were not going down. I called them about it and they told me they are applying my payments to my non promotional purchases to lower my interest fees ( but by doing that, it is ensuring that I don't get the promotional purchases paid off in time so they can then add those interest fees on to the bill. ) This wasn't their practice before. I'm not 100 % sure when I noticed this occurring but it has not been for very long. When I called them about it, they keep acting like they are doing me a favor by applying my money to non promotional purchases instead when their real intent is to make it where you don't pay the promotional purchase off in time so they make that interest fee also. 

They told me the only way I can directly apply my payment to the promotional purchase is by calling into them every time I make a payment. Which is a big hassle if I'm doing online payments. Again, I told them that I never had to do this call in thing in the past so why is it all of a sudden now you have to? It's a scam they pulling so they have a better chance that the consumer doesn't pay their promo purchase off in time to earn no-interest on the purchase. PayPal is using " Synchrony '' to facilitate the credit accounts, but the payments and policies are made through PayPal. 

One customer service rep even suggested I just pay the whole promotional payment off in one payment and I wouldn't have this problem! How more unprofessional reasoning is that?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this Creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says have the right to Privacy. 15 U.S.C 1681 section 604 A section 1 t also states a consumer reporting agency can not furnish an account without instruction. Under U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX XXXX XXXX  {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2800.00} XXXXXXXX XXXX XXXX Owed : {$0.00}.
Product: Payday loan, title loan, or personal loan

A debt validation letter, along with a cease and desist letter had been issued to the company above. They continue calling me disregarding they cease and desist, as well as repossessed my car without responding to the debt validation letter. I would like to enforce my right to resend this contract, and retrieve my vehicle, title, and money paid towards the alleged loan. Please help me. I have XXXX children. I never received the letter as giving me the option to resend the contract.
Product: Checking or savings account

My name Is mr. XXXX residing in XXXX XXXX, XXXX. Somebody got into my Chase acount and depositors {$450.00} dollars and sent some quick pay XXXX thing to XXXX. The acount closed and became restricted I called and they said it shows it opened with my IP address and was done from my phone the day before I had XXXX to my name and {$290.00} direct deposit on XX/XX/XXXX by XXXX XXXX XXXX so that went all into review why would I quick pay when I have virtually no money. They are going to close my acount in 6 days and I did nothing. This guy XXXX from the fraud department said I cant do anything and was rude and blunt. He said my relationship will end. But I called the number in the letter I got and called the number and talked to XXXX he got me the funds located to the branch and I got it and XXXX said that was not possible even though on XX/XX/XXXX I was told it was. I would also look into XXXX because he gave me false information that caused distress on me. But really Im an honest guy and I would love to continue to bank with chase
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm just attempting to find out if I have a credit freeze since when I attempted to get a replacement Social Security Care, the Customer Service rep at Social Security said that the reason that I could not order a replacement card online was because I had a credit freeze on my XXXX account. 

I called XXXX. After giving them an amazing amount of personal information, they said that I did not have a credit freeze active. 

I then called XXXX. I could never get out of their automated answering service. 

I finally called Trans Union. After a while, a person - who had a limited command of the English language - answered, and after I had again given TOO MUCH personal information to, told me that I could not find out whether or not I had a credit freeze. 

All in all, this experience has been totally useless. If I have any way of doing so - and I am going to try to find out how - I will remove all my information from all of these organizations and never allow them to use my information for their PROFIT again.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the year XXXX, my identity was stolen by a family member who was staying with me during a financial crisis. She stole my identity by stealing my ID, social security card, and other forms of identity. She obtained loans and credit cards in my name. I began receiving late notices from XXXX XXXX in XXXX. I notified the creditor that this was not my loan and that my identity had been stolen. I began asking XXXX XXXX and Equifax to verify this loan. No one or any documents have ever been received to verify this debt. Even after several letters to Equifax, they just came back with this debt has been verified without any proof. This was reported to the credit bureau in XX/XX/XXXX. Over the years I have written XXXX XXXX and Equifax stating that this was not my account, please verify. In XXXX if filed a claim with Identity Theft.gov and the FTC showing that my identity was stolen in XXXX and that various creditors were still pursuing me for collection. The reference number to the Identity Theft report is XXXX. I submitted a copy of the report to XXXX XXXX and Equifax in XXXX of XXXX. I also requested a copy of the FTC report reference number XXXX. XXXX XXXX has currently sold this debt to XXXX XXXX XXXX after they have charged off this debt with the IRS. So not only is XXXX XXXX reporting negatively on my credit report, but now this XXXX XXXX is in collections. Both reporting at the same time for the same debt. I have been trying for years to rectify this and now I am filing a claim. After years of fighting this, my next step is to file suit in court.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. This company has also no permission to report anything using my info pursuant to 15 USC 1681 4. Radius Global Solutions shows on my credit report in the amount of {$260.00} dollars. Ive never heard of nor done business with this company or XXXX XXXX XXXX. I have been with XXXX XXXX for well over 20 years. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX is the only company services that Ive used.
Product: Mortgage

I had a mortgage service transfer from XXXX XXXX on XXXX I sent the quoted pay-off of {$8900.00} with a personal check. 
the company representative claims that it is not possible. 
The original loan terms does not require this. 
The company claims that the terms of the service transfer has not changed. 
This seems to be a untrue claim as a identical loan was paid off to XXXX XXXX with a personal check this last XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX act number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's website to freeze credit does not have a button for placing freeze but only have buttons for lifting freeze. See attached file. The same is true for Experian. I believe they deliberately make the freeze very difficult for consumer to use.
Product: Mortgage

Ocwen Loan Servicing , LLC has stopped sending me monthly account statements. I am a XXXX veteran who has to rely on a volunteer to come in to write checks for me. Not having statements makes it very difficult for me to make sure I am timely with my payments. I have called Ocwen about this problem and they have refused to resume sending statements. They hung up on me when I was explaining this hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing the reporting of my mortgage with Transunion several times and the most recent attempt does not even show a result. It was submitted in May. It is reporting as 60 days past due on only the Transunion report but with a history of never having a payment 60 days past due. The other bureaus have it correctly reported as current. The loan is under forbearance and, therefor, should be reported as current with no late payments. I confirmed this with the lender by phone, already. I simply can not get anyone at Transunion to fix this and I am trying to refinance my mortgage so it is making it impossible. Every day that this stays on my credit I am losing money I don't have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to the credit bureaus regarding their inaccurate reporting of items on my credit report that should be deleted. Has they have not been properly validated and investigated on the part of the agencies. The credit bureaus continue to neglect that duties to provide fair and accurate information.