23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bayview Loan Servicing will not answer the phone or return my call. They dont want to talk after trying to scam me out of money! On XX/XX/XXXX I received a call from XXXX at Bayview Loan Servicing congratulating me for completing my Trial Load Modification. She said I would be receiving a package from Bayview Loan Servicing and I would be working with XXXX XXXX going forward. I received the package from Bayview Loan Servicing, signed the documents, had them notorized and returned them. On XX/XX/XXXX XXXX XXXX from Bayview Loan Servicing called and claimed they didnt receive my final trial payment. I sent her proof the payment was debit from my account on XX/XX/XXXX, she continued to argue with me, so I told her I was going to contact my bank. My bank investigated the supposedly missing payment and told me that XXXX lied! The payment went through on XX/XX/XXXX and the bank gave me the transaction number. XXXX did everything to sabotage my loan modification and she is the reason my bank did a reversal payment. She wanted it to look like insufficient funds. When Bayview received my payment on XX/XX/XXXX it should have been applied to my account. I have been calling Bayview Loan Servicing all week trying to submit the payment again that was reversed because of XXXX XXXX lies! No one will answer or return my call!!! This is really ticking me off and I will be contacting my attorney Monday!
Product: Checking or savings account

This is a repeat occurrence where Wells Fargo is charging a monthly " DIRECT PAY MONTHLY BASE '' of {$10.00}, even though I never asked for this service to be activated. This is happening on two business checking accounts. Whenever I try to get this corrected, branch staff tells me they can not help and I need to use a customer service hotline which requires a significant amount of time, a commitment I can not easily make during business hours during the week. This feels like a deliberate tactic to trap customers like me into accepting these fee, for a service I never asked for and never benefited from. I have never in my life made a " direct pay '' transaction at Wells Fargo!
Product: Credit reporting

ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the United States XXXX XXXX. I attended the financial briefing in preparation to separating from the military. Following guidance from the XXXX XXXX XXXX, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites.
Product: Mortgage

Every year about the same time, Ocwen Loan Services states that the Escrow is short, and they missed a Tax payment on purpose, to have an excuse to collect more to pay the current and the late tax. 

During the past year, I have paid a Total of : {$3800.00} in Escrow taxes, all statements, and cancelled check are attached, on which {$1900.00} is for XX/XX/XXXXtaxed and the surplus is {$1800.00}, thats enough to pay the late taxes of {$1000.00} and even so, that will be a positive balance of {$850.00}. 

Ocwen makes their accountability so complicated that we dont understand and in that it makes that we keep owing Escrow payment for them. 

It is much easier if they sum all Escrows deductions and make submit 2 payments twice a year to the city of XXXX, but they have botched escrow accounts, but they keep it complicated so they can continue their wicked scheme and continue to make money on that. 

Following is what I just paid Ocwen and City of  XXXX in taxes. 

XX/XX/XXXX{$970.00} To the City of XXXX XX/XX/XXXX {$640.00} To Ocwen Concerning XX/XX/XXXXStatementXX/XX/XXXX {$640.00} To Ocwen Concerning XXXX StatementXX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XX/XX/XXXXStatement XX/XX/XXXX {$130.00} To Ocwen Concerning XX/XX/XXXXStatementXX/XX/XXXX {$130.00} To Ocwen ConcerningXX/XX/XXXX StatementXX/XX/XXXX{$130.00} To Ocwen ConcerningXX/XX/XXXX StatementXX/XX/XXXX{$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX, XXXX {$130.00} To Ocwen Concerning XXXX Statement Total : {$3800.00} They increased my mortgage in {$6900.00} by XXXX XXXX and will increase again in interest in XXXX XXXX, and they are trying to make it so difficult that I cant continue paying and start a foreclose on my property. 

I sent a request to Ocwen on XXXX XXXX, XXXX to cancel my escrow, and I wll pay my Taxes, in order to avoid their late fees, and Ill let you know, the outputs of the request. 

Id like to receive all payments that I have mad in excess in Escrow to XXXX, I have no idea how much, but maybe is over {$5000.00}. 

Im trying to find lawyers in U.S. that are representing another homeowners against Ocwen, so, they can sue them, for that, and also for the insecurity and hardships they bring to me and family.
Product: Credit reporting or other personal consumer reports

showed a late payment that took my scores down and I was never late
Product: Checking or savings account

I had a checking account with Chase bank. 
I received in XX/XX/XXXX wire from pony girlfriend who live away. They decided on the XXXX Of XXXX that it was a fraud. I tried to explain To them numerous times that it was not. 
It was supposed to be resolved the the XXXX of XXXX. But when I contacted them on the XXXX They told me it was still investigated. They call On Monday the XXXX of XXXX. But again same Answer. I call them numerous time last week. 
But no answer. Their customer service on fraud is very defective. I receive different answer from The people who I talk to. XXXX told me XXXX moth XXXX. XXXX. I really need to clarified that and get money back, to pay my bill that I could not do. 
I am intending a tremendous amount of stress
Product: Debt collection

I was admitted to the emergency room at a hospital. I had insurance at the time and showed my card when arriving.I was treated by a doctor there and stayed overnight for observation the next day. I stayed in the ER and not in a hospital room. I was released the next day with prescriptions. 
A few weeks later I received a bill for {$150.00}, {$250.00}, and {$1400.00} twice. All from this dr visit. 
I was never asked or told that this dr was an out of network dr before he handled my er visit. 
I feel I was forced into this bill and I have disputed the charge a few times of this. They say I signed the form consenting the dr XXXX so I will pay. 
If I knew all this before, I would have asked for an in my network doctor. They never said anything of this. I feel this was entrapment for the service. 
I will not pay this, due to this business of this hospital practices. 
The services were given many years ago, and they keep renewing this on my credit report. Even the {$1400.00} shows twice as I stated above. 
I am requesting that these charges be removed from report. 
I have called the commonwealth, they were very rude and will not even look into the matter. 
I am requesting your assistance in this matter to have these medical items removed from the report. They are showing up on report when an employer pulled report. 

XXXX XXXX XX/XX/2019
Product: Debt collection

Company calls about Debt that belongs to a family member. They have been told multible times that I dont have contact information. Now they are calling my wife and step-children. I have been told that I was placed on the do not call list but they continue to call.
Product: Mortgage

After the transfer of my mortgage loan servicing to PHH Mortgage, I discovered when attempting to schedule my third payment online, that they charge an " up to {$7.00} '' fee for online payments if not enrolled in paperless statements. This fee appeared in the mobile application as an " Included draft fee ''. There is a link in fine print to view the fee schedule, but the new fee was a surprise when I logged in to make a payment. Although PHH Mortgage offers cheaper payment methods, charging up to {$2700.00} over the course of a 30 year loan for electronic payments is ridiculous, particularly when electronic payments are regularly accepted online at no cost for consumer loans and mortgages. Electronic payments are certainly cheaper to process than other payment methods, such as checks ( accepted with no fee ), so an argument that the fee offsets the actual cost incurred by the mortgage loan servicer does not ring true. Fortunately, I was not in a position to need to expeditiously schedule my mortgage payment to avoid a fee, since changing my statement delivery method to avoid the fee takes three business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached document. 
Apparently, the 5 times prior and even recent XXXX XXXX wasnt provided with enough information to process the dispute and blocking of illegal information based on the identity theft which they have committed. I have provided my recent official rebuttal as well as proof to the purposeful incompetence of me sending the letter to XXXX XXXX as well as their XXXX XXXX XXXX. XXXX XXXX is illegally reporting nonpublic personal information without consent as well as not following the FCRA and XXXX XXXX XXXX, and with committing of these atrocities to defame my name and character, financial abilities and mode of living. I comprehend that XXXX XXXX is the stated as the owner of XXXX XXXX as stated by XXXX XXXX as well.
Product: Credit card

I've got a Credit card with Capital One, I scheduled an automatic payment from my debit account every XXXX in the month to make a payment. This mouth the payment withdrawal from my credit card then I call them to fix it they say they can't because that's me made it. The really they next payment gon na be double.I mean they say the account is past due for this mouth and then the next is gon na be for this month and next month. However this mount already withdraw from my credit card they don't want to cancel it. 
I hope you understand this issue and help to resolve as soon as possible. 
Thank you,
Product: Mortgage

I receive social security XXXX, XXXX per month. I fell behind on my mortgage payments, its been a struggle, with having limited income. My payment amount was XXXX, I still fell behind on my mortgage payment, because of unexpected expenses, like air condition repairs, and other repairs. So, I applied for a Modification on XXXX. Several days later, I received a package of papers, stating I was not qualified for a Modification or Mortgage Assistance. The package only had information about short sale, deed in lieu foreclosure, basically saying I had no other choices but to give up my home, also stating I wasnt behind enough to qualify for mortgage Assistance. I still didnt give up, So I applied for a Modification, Mortgage Assistance on XXXX. On XXXX I received a letter stating, congratulations I had been approved for a Modification with trial payments of XXXX, XXXX trial payments starting XX/XX/2022. Usually the trial payment amount is your permanent payment amount. This is totally unfair. A Modification is suppose to help homeowners, reduce payment amount to make payments more affordable and also reduce the interest rate. This is illegal I know to increase a homeowners mortgage payment XXXX more a month, when a homeowner is already struggling to keep their home. Phh Mortgage Claims they help homeowners. This is not true, Phh creates a way to actually take your property, like increasing your mortgage payment, so you cant afford to pay and lose your home to foreclosure. I am requesting your assistance with this matter as soon as possible. I had to accept this offer, so I wouldnt be homeless, this is not fair to me or any other homeowners. Therefore this is a formal complaint against PHH Mortgage Services, Investors owners, and PHH Companies, for illegal Mortgage Servicing. Increasing Mortgage payments for a already struggling homeowner, first denying the homeowner of mortgage assistance, claiming the only alternative is short sale, deed in lieu foreclosure, then increase mortgage payment XXXX per month to a already struggling homeowner. Please help me! This is wrong!! Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, telephone # XXXX
Product: Vehicle loan or lease

We sold a car XXXX XXXX back to Carmax. They offered close to what was due on the loan, XXXX XXXX paid the difference ( under {$10.00} ). 
There was a XXXX remainder refund. 
We were told by Carmax corporate that the XXXX  location of carmax released the money to XXXX XXXX XXXX. 
They sent a check then stopped payment saying it was the wrong lienholder. 
the car was refinance through XXXX  XXXX XXXX, but we were told it stayed with original lienholder. XXXX  XXXX XXXX is researching but we believe its XXXX XXXX who has the money. 
please contact XXXX XXXX auto fiance and carmax to find out who has our refund. 
if they continue to sit on it we want interest or additional money added to my husband XXXX XXXX XXXX payment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBPs findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

For years I have been disputing a credit card charge I never opened. It was finally removed from my credit report after seven years. 
Midland funding sent me a letter threatening to garnish my XXXX funds. 
I need help to make this company understand I never opened an account with them.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Synchrony bank about my Amazon account not appearing on my XXXX credit report several times. Rather than insert the account, they no report the comment that consumer disputes account information. I made it clear to the CS agent that I was not disputing the account but needed them to work with XXXX to resolve the matter. I could not get escalated to a CS agent that understood the problem and knew how to address it.
Product: Debt collection

On XXXX XXXX XXXX, I XXXX XXXX was a guarantor for my daughter XXXX XXXX XXXX attending college ) for an apartment at the University XXXX XXXX in XXXX Ms XXXX The rental agreement that we applied for and completed a notarized document was for was for 1 year lease from XXXX XXXX, XXXX XXXX, XXXX. XXXX did not move from XXXX XXXX XXXX XXXX after the first year and she extended the lease for another year immediately after for XXXX XXXX, XXXX thru XXXX. Months later, I noticed a {$2800.00} debt on both our credit reports. I have disputed the debt for several years explaining I did not renew a contract nor did I sign for another lease in my name after the first lease but National Credit System nor the Credit Bureaus removed the debt. On XXXX XXXX, XXXX, I sent a certified letter and requested a letter of authorization for the debt owed by XXXX XXXX XXXX XXXX. The documents I recieved from the National Credit Systems were inaccurate and falsified. I did not relieve the lease that we both sign but instead I was sent a lease contract dated XXXX XXXX, XXXX thru XXXX, XXXX, a period that me nor XXXX never sign for. Here are a list of inaccurate item in the contract. 
1 ) The lease contract was not filled out by XXXX nor myself. It 's in someone else 's handwriting and the Guaranty Information at the top of Guaranty page was not completed by me. 
2 ) The starting date on the new contract do not coincide with the date of the original lease from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 
3 ). The date on page XXXX of the contract was changed to XX/XX/XXXX. Why would anyone sign in XXXX, XXXX to rent an apartment in XXXX XXXX. 
XXXX ). The notary signed by XXXX and myself was signed XXXX XXXX, XXXX for a lease dated XXXX XXXX, XXXX XXXX, XXXX, XXXX. This notary was attached to the new lease dated XXXX XXXX, XXXX thru XXXX, XXXX XXXX. 
5 ). The Residents Transaction inquiry detail show for months outside of the contract date, Also on the transaction page it showed she was a previous tenant. Where is the previous contract? 
6 ). There are no transactions to show charges and amounts paid from the beginning of the original contract ( with XXXX an last months rent deposit ). 
XXXX ). The move in condition form was dated XXXX XXXX, XXXX. Which was the date she first moved into the apartment. 

I did not sign nor did I agree to attaching the original notary with my signature to a new contract nor was I informed that this would be done. After carefully looking at the XXXX XXXX XXXX contract, I recognize that the XXXX XXXX contract was completed by taking pages from the original XXXX XXXX contract and inserting pages with our signature to forge a new contract. 
Please investigate this matter!
Product: Checking or savings account

Capital One is not giving me access to the direct deposit sent by my employer. I have payments scheduled to come out of my account and will now be shown to be delinquent reducing my credit worthiness. 
The company has stated that they are experiencing a technical issue with no clear timeline to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on a XXXX XXXX credit card. I asked to be removed several months ago, XX/XX/2017. 

I have not been removed yet and the primary card holder has allowed the account to go delinquent, which negatively affects my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/11 Macys said they would do a limit increase but they needed to do a Soft Credit pull. I said ok no problem but if its a hard inquiry I FO NOT WANT IT. Macys assured me it wasnt a hard inquiry and now I see a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX recently reported a collection account at the TransUnion consumer reporting agency - on behalf of XXXX - in the amount of {$1600.00}. They were notified that said account was fraudulent on XX/XX/2020. Thereafter, a dispute claiming fraud was filed with the consumer reporting agency. 

XXXX XXXX XXXX  and TransUnion have ignored my claims of fraud notwithstanding several complaints, disputes, and the issuance of a fraud victim statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I closed my account a few years ago. When I closed the account, they advised me to cut up my card, which I did. I now want to complete a balance transfer with another company however ; the full account number is not printed on my statements. I called customer service to ask for my full account number. After I fully verified my identity, I was told it was against their policy to provide the number over the phone. I asked to speak with a supervisor. I was then told it was against policy and she could not see it because the account is closed. I asked if they could mail it to me, she again said no. Now, I have no recourse to get my account number and am stuck paying this high interest fees when a balance transfer offer I received ( limited time ) has zero balance transfer fee and zero percent interest for 18 months. I can not afford to stay with Capital One and they will not provide my account information so I am forced to continue to do business with them. In addition, my account is closed, so the full account number would not do any fraudsters any good, plus I wasn't asking for CVV and expiration date, which would be needed - if the account was even able to have charges added to it. Please help, I need this resolved so I can take advantage of this other offer and save money. It isn't fair that Capital One will not allow me to take my business elsewhere.