23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed complaint # XXXX with the CFPB approx 2mos ago and was immediately contacted by the LoanCare company. They called me three different times and said that they take my complaint seriously and that it has been assigned to the " Office of the Customer '' and that I have a personal person in charge of it ( they never gave me a name or direct phone number for that person, the number they gave goes to their call center ). The person I spoke with acknowledged the mistake in my complaint as well as the letter they sent and said that they are working on my COVID relief loan modification and that they will fix the problem on their end immediately and that I should receive a new loan modification in 30 days. I asked them multiple times if there was anything I needed to do ( new paperwork etc. ) and they said no XXXX XXXX this is our error and we have all of your info and we will send out your new payment and terms in 30 days. It has been over 30 days now and I have been contacted by LoanCare to begin a new loan modification process/paperwork. When I called in to inquire they do not seem to know what is going on. It was escalated to a guy named XXXX who actually looked into the problem and said that he believes he sees what the problem is ( they tagged my loan as a new loan modification instead of a CARES act COVID relief modification ) however he can not resolve it. He claims he escalated to the office of the customer and they should take care of it. Yesterday LoanCare called me to say they received the complaint are reviewing whether or not I need to submit a whole new package, here we are back to the beginning again and I am afraid these people are going to try to take my home and foreclose on me. Furthermore I should have been able to refinance my home for a much lower rate ( I am currently at 4.625 % and I have been quoted 2.5 % ) which would save me ~ $ 800 month back in XXXX. Now the rates are going back up and who knows if I will ever be able to take advantage of this and then I lose out for the next 30years which could end up costing me hundreds of thousands of dollar'splease help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX : {$8500.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$480.00XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3600.00} ( Original Creditor : XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX : {$8500.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$480.00XXXX XXXX XXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX Balance : {$940.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX, I was contacted by XXXX saying my M & T mortgage was 3 months late and was up for foreclosure. I should have checked, I was actually only 2 months behind, almost. They instructed me to do a modification mortgage. They said, " Do not make your XX/XX/XXXX payment and the modification can start and lower your monthly payment drastically ''. I did as instructed like an XXXX. XXXX was to b my first payment. They set up a time and date for me to call in my payment. XX/XX/XXXX and XX/XX/XXXX was the same appointments. I was only allowed to talk to XXXX. No one else could take my payment. At the end of XX/XX/XXXX, they told me to wait on a letter and mail my payments with the slips to M & T. XX/XX/XXXX I finally get the letter. They said my payment would not be counted late since they did not have the paper work ready. But even though I mailed in my payments when they said for XX/XX/XXXX, XX/XX/XXXX and XXXX, they counted them late. I paid my payments to who they said and did what they said when they said and they reported me as 120 days late on my credit reports. Then, they tell me to give it time and my credit report would straighten itself out. No, it still has not. And my payment went down only XXXX bucks and they added XXXX grand to my mortgage. I have petitioned the credit bureaus twice about this unfair reporting and M & T 4 times and XXXX refuses to talk to me. I just want the six months of on time payments to show as on time.
Product: Credit card

On or about XX/XX/XXXX a number of unauthorized/fraudulent charges were made to my Barclay 's Frontier Mastercard credit card. I was made aware of this via email notifications received from Barclays, which allowed the first three or four charges ( some TV or wifi service ) before realizing the continuing ( several more ) charges were fraudulent. I immediately froze the account, then canceled all together within the next few hours. I also requested of Barclays that it remove the fraudulent charges charged to my account and that a replacement/new credit card be sent to me at my new/retirement address in the XXXX. Barclays assured me these things would be done, yet two months later nothing has happened. Multiple international follow up phone calls have resulted in no progress for either removing the {$79.00} in fraudulent charges accepted by Barclays or regarding receipt of a replacement card.
Product: Checking or savings account

I have tried retrieving cash from my checking account at 5 banking locations from ATM on Sunday morning XX/XX/year> and none of them had cash available for disbursement. 

The locations were as follows XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Consumer Loan

THE LENDER REJECTED BECAUSE I AM ONDEBT CONSOLIDATION.
Product: Checking or savings account

On XX/XX/XXXX @ XXXX, I deposited a check from my insurance company that was endorsed by myself, my husband, and our mortgage servicer for {$5100.00}. I received a printout of the deposit which included a picture of the front of the check. The deposit slip, although showing the front side of the check, listed the deposited amount as {$5000.00} ; {$100.00} short of the full amount of the check. On XX/XX/XXXX, I went to my bank ( US Bank - XXXX, IA XXXX ) to alert them the amount scanned by the ATM was incorrect. It is important to note that my bank does not take calls nor has an open lobby during the pandemic ; all transactions are via drive up only. On that date, XX/XX/XXXX, the teller took my name and a copy of the deposit receipt, then informed me that the branch manager would call me that afternoon. I received no call. 
On XX/XX/XXXX around XXXX, I tried to pay a utility bill using my debit card and it was declined. I checked my balance and was alarmed that the deposit was reversed and my account was now overdrawn. At XXXX I went to my bank and sat in the line at the only open window for 20 minutes. Once I was able to get to the teller window, I again, addressed the incorrect amount scanned by their ATM, and now, inquired into the reversal of the deposit altogether. I was informed by the branch manager, XXXX XXXX, that my mortgage company did not endorse it, so the check had been rejected. I informed the branch manager that my mortgage company HAD endorsed the check. XXXX said I had two options given they, US Bank, did not own the ATM machine in their parking lot that, ironically, had the US Bank name on it. The options stated by the bank manager were as follows : 1 ) wait for the ATM company to issue me a " certified, legal '' copy of my check to which I could bring back to my bank for them to inspect as to whether they would cash it, or 2 ) have my insurance company reissue a new check, which would then be 3 days in the mail from my insurance company, then another five for my mortgage company to endorse and return to me to go through the same process. Another important note is the derecho storm we had here in Iowa that originated the insurance check in the first place. This insurance claim check was to pay for the removal of a huge ash tree that is leaning toward my house, as well as, the neighbors. 
The way in which US Bank handled our check is unacceptable!
Product: Credit card or prepaid card

LL Bean Citi XXXX, XXXX XXXX XXXX XXXX, held by XXXX XXXX XXXX XXXX XXXX XXXX, who has passed away. They asked me a multitude of intrusive questions which I answered every one and their Probate Department, XXXX, would not answer one of my questions. 

For example I asked them to confirm receipt of payment I sent last Friday in the amount of {$1000.00} and they would not answer. This is a problem that could have been resolved in XXXX phone call. 

We have been a customer of LL Bean for over 50 years and I am treated like I am a no body.
Product: Debt collection

they are posting this and i dont have nothing to do with this i asked them to remove it
Product: Credit reporting

I have outdated information on my credit report date from 2006 even accounts with the open date unknown numerous incorrect payment information as well.
Product: Checking or savings account

X/XX/2017    KeyBank automatically tranfered money from my checking account to my saving account but the transfer is only to happen if the funds are there fund were not there but they tranfered anyway causing a negative balance in my account then they processed to charge me overdraft fees five totally they would only refund two of those they caused the overdrafts but refused to make it right Im being robbed of my fund because of there transfer that they did knowing the funds where not there tried to work it out with them but they say they cant do anything else all I want is my money back from there misstake
Product: Student loan

I submitted a complaint in XXXX regarding my student loans with Wells Fargo Bank. Per their response from the office of Research and Remediation Analyst, I contacted the law firm of XXXX XXXX XXXX XXXX in XXXX, TX. I was told by the law firm to pay over {$1000.00} a month and I explained to them that I ca n't afford it because I have other student loans and bills. Moreover, it is no that I do n't want to pay but my income at the end of the month ca n't meet the said amount. The law firm requested for my two month pay stub, tax returns and a letter which I submitted. I was told to call after two business days. When I called the law firm, I was told to pay {$700.00} for one year, {$1000.00} the second year and {$1500.00} for the subsequent years. I explained once again that it is not that I do n't want to pay but my resources can not meet that payment plan. Unfortunately, I was told to pay with my husband assistance but I mentioned to them that my husband is currently still in school and besides that, he has his own student loans that he is struggling with. 
I have tried several times to contact XXXX XXXX on phone per the response I received but no answer or return call to the messages I left. The law firm has informed me that Wells Fargo has filed a law suit against me and if I ca n't pay what they are demanding from me, they will proceed with the court case. 
Please, permit me to mention that I 'm prepared and willing to pay any reasonable amount in consideration to my expenses which will be between $ XXXX $ XXXX request and appeal is to reduce the {$700.00} to reasonable payment plan that I will be committed. Thank you once again for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT NUMEROUS TIMES TO THE BUREAUS BUT I AM NOT SURE WHY THEY ARE IGNORING MY REQUESTS. WHY DO THEY OFFER THE OPTION OF COMPLAIN AND REPORT IDENTITY THEFT WHEN THEY WILL NOT HONOR ANY DOCUMENTS OR REQUEST. JUST BECAUSE SOMEONE STOLE MY IDENTITY NOW I HAVE TO PAY THE PRICE FOR YEARS. HOW FAIR IS THAT TO ME AS A VICTIM.
Product: Money transfers

Moneygram refused to refund me for the money that was NOT collected by my family over a year ago. I have n't gotten anything from then for almost 3 weeks of complain.
Product: Debt collection

Calls twice a day with a recorded message that says " my loan with MAS financial is in default, press 1 to speak to a representative. '' I push 1 and it transfers me to a " disconnected or no longer in service number. '' I call the company direct and the robocalls aka automated calls from an auto-dialer still continue even tho I've talked to them. And I've told them a number of times that the robot calls continue twice a day everyday and they said there is nothing they can do about it. I filed a complaint with the XXXX  which is doing nothing with the robocalls. Also I have asked like 10 times if not more to get a statement with the amount and how they arrived at that amount and they have yet to procure one, they did send me a letter saying that the insurance only covered part of it and that this amount is what is left. I am not accepting it. i would like to see everything the original loan amount minus down payment, and for the love of XXXX I doubt it was applied as I was told by the dealer that no finance company will not finance anyone without a down payment. So where did it go? The dealership took the {$1000.00} was the 100 % profit for them? I was lead to believe that the finance company got that money. Plus I wan na see the payments and interest that was applied as well as any fees. I want it broken down. Do I have to send them an XXXX spreadsheet to fill out? I thought this was a professional company. Obviously not. They did say something along the line of well why didn't I have gap insurance? I told them I asked about it and was told I didn't need it and that they didn't offer it, and they didn't know who did offer it or where to get it. I was told that finance companies are the ones to offer it, it was a requirement for the last car I bought and the finance company offered it and included it with the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I had my credit pulled while looking for a mortgage and saw accounts that were a result of Identity theft. These accounts have been reported to the credit bureaus and to date have not been removed. I would like to complain because I am a victim and the companies have yet to remove the information.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit reporting 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 USC 1681. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 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 a 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.
Product: Debt collection

I closed my XXXX account a year ago, sent the equipment back, now a third party collector says that I owe over three hundred dollars for a back payment and early termination fee. When I closed the account, the rep from XXXX stated that with the return of the equipment that the account was satisfied.
Product: Credit reporting or other personal consumer reports

I had a Wells Fargo secured credict card years ago and the account is paid off and its closed but the company saying the account was paid off after collection.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in screenshot inside this complaint in on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please investigate and provide proof with statements showing that these statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they as they should be due to the fact I was never late. Thanks
Product: Credit card

On XXXX I accessed MY credit reports from the XXXX credit bureaus and found a credit card account which was opened at XXXX in the name of XXXX XXXX XXXX, my mother showing as " Open ''. My mother passed away on XX/XX/XXXX and as the " Personal Representative '' of the estate I contacted XXXX who services the account under the name of " Elan Financial '' credit card of her death via written correspondence dated XX/XX/XXXX and XX/XX/XXXX providing them copies of her death certificate and the " Letter of Administration '' from the XXXX XXXX Maryland Register of Wills Office. I contacted XXXX on XX/XX/XXXX and after numerous attempts to actually speak to someone in the Internal Collections Department I finally reached a representative to whom I provided the above information as well as my complaint that this account was even on MY credit bureau records but more importantly that the account had been paid in full in XX/XX/XXXX and at least should have shown as " Closed ''. I further advised her I had received correspondence dated XX/XX/XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX Reference Number XXXX who was acting as the collection department for Elan Financial confirming that the account was settled and that Elan Financial would be filing a XXXX with the IRS. She stated that she had no record of receiving any information naming me as the estate representative and could not discuss the account details over the phone. I advised her they had been provide to XXXX XXXX XXXX already and i would not send them again. She further stated I would have to sent written requests for the matter to be considered and she was unable to help me. I stated that the complaint was false information on MY credit reports and saw no reason that they were unable and unwilling to access the account in question without discussing it with me and find the account was closed and to notify all three credit bureaus of that fact. Again she stated she would do nothing unless I made written requests.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 {$47000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX XXXX XXXX {$47000.00} ; XXXX XXXX XXXX XXXX XXXX {$29000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$94000.00} ; XXXX XXXX XXXX XXXX {$8300.00} ; XXXX XXXX XXXX XXXX  : {$5200.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/ Balance : {$17000.00}