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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. 

remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to correct my student loan information on Experian. This is my third time contacting you for help regarding this situation. The last time, I sent you documentation with proof that two out of my three loans were paid off in full from XXXX XXXX XXXX, and now I can show evidence that the other two credit bureaus have made changes to reflect what I was telling you. XXXX and XXXX both show a XXXX balance on the Experian app and account that I pay monthly, and they fail to make this correction on their platform. The crazy part is when you tried to help last time, they showed that one of the loans I already paid off was {$100.00}, and now they show that I still owe {$450.00}, which they increased and lowered my credit score. Instead of changing it to zero, they added more money and lowered my credit score! I also sent them copies of the documents I sent you, showing proof that the loans are paid off, and they still didn't make a change. This is wrong, and they need to fix this problem. Please help to correct this. I will attach images of all three bureaus for you to see what I am talking about.
Product: Mortgage

We purchased a home in XX/XX/XXXX with the original loan being a 5/1 ARM, the mortgage company at the time was Washington Mutual ( WAMU ), which became JP. Morgan Chase after the financial meltdown. 
In XX/XX/XXXX we were provided a loan modification by our mortgage company ( JP Morgan Chase ) since we were 2-3 payments behind, however we were not in foreclosure or pre-foreclosure. 
After providing all the requested information and documentation we were sent some documentation to sign and return, which we did. Last spring I contacted the mortgage company regarding a possible refinance in order to eliminate the PMI on the mortgage payment, during the conversation I enquired about the length of our loan, the representative would/could not provide that information. We never went forward with the refinance, however I was still curious about the length of the loan and after looking at my online account I was able to see that the maturity date of XX/XX/XXXX. I've since received copies of the original loan modification agreement confirming that XX/XX/XXXX is the maturity date of our mortgage. 
This means that our 5/1 ARM was refinanced into a 40 year mortgage at 4.625 % after requesting a modification in order to lower the monthly payment, and catch up with 2-3 months pass due payments!
Product: Credit card or prepaid card

I have been an  American Express Gold Cardcustome  r  since   XXXX  , same card that I pay an annual fee to maintain. This is my main card which I have used to pay for everything in my life, many automatic payments including my   XXXX   XXXX    that delivers my suppliment, my mail order pharmacy. Last several months I have different spending history and payment history since I am dealing with some unexpected healthcare issues. I have paid my  XXXX  and have excellent record with them. In the pas t 10-12yrs ago,  when I did  miss one payment I just had a fine and interest to pay   into the next month and that I what I thought might happen now. Remember   XXXX   card, I never changed anything and I have n't applied for a new credit card i n 14yrs.    I had all of a sudden my card blocked from usage around  XXXX   XXXX , because I missed making last payment and had scheduled for next automatic payment for  XXXX   XXXX . I had scheduled for an automatic payment for many things in my life that just stopped.  XXXX  when called said because they see a change in my spending patternd   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    yeh, there is I am in the middle of healthcare crisis, so I am not spending money on vacations or things..but on healthcare, medicine ... etc. They had the gall to tell me this is a system generated process and I have to pay to get that off. In the mean time because I have n't had any recent credit cards or other cards that I can use I had to wait for me to get to the medicine and supplements that I needed. I have several other accounts including my gym membership being cancelled. All because  XXXX  put in a policy or decided to act newly on something old ( was n't there in   XXXX   or they did n't do this to me in  XXXX  when I skipped a month because I was waiting for my tuition reimbursement from job to comethrough to pay off my tuition ). The new policy being they monitor patterns and history. I am not sure if they asked me how far back they should look at my history or if I agree to their new policy since I do work in AI and  XXXX , my history will always be masked in a way that you can not understand me as a consumer. The general and unapproved/unagreed, unconsented actions by  XXXX  on a contract that existed since   XXXX   caused undue harm and hardship to me, my life. Just to move my life forward, I am paying the full amount but I will make sure to transition out of this particular situation. What is there to protect someone like me? I kept  XXXX  as my primary card because of the flexibility they offer and I had paid their annual fee since   XXXX   to present. What a mistake. What a breach in contract and trying to fleece you. Their policy should be looked at and made to adapt their algorithm to allow for people 's life events, crisis events that can change pattens ... like what happned to me and not get punished and really get damaged like me.
Product: Mortgage

My situation dates back many years to dealings with both Regions Bank and XXXX before the merger. We ( myself, my brother, and my first cousin ) had a number of personal and business loans with these banks. All of these were handled in a satisfactory manner and we paid those loans in accordance with the agreed upon terms. 

In XXXX we were reworking and renewing most of our loans. Our loan officer at the time, XXXX XXXX, recommended different loan structures that he said would best fit our needs. Having always had a good relationship with our lenders ( who we considered our business partners ) we went along with his recommendations. I was later told by a person no longer with Regions that loan officers had an incentive to promote certain types of loan structures because it led to significant bonuses for the loan officers and to their superiors. 

I recall specifically that we were rushed to sign many of these documents at the end of XXXX in XXXX, just before the quarter end. Mr. XXXX drove to XXXX to meet us to complete the loan documents. I now believe that this was in part to book those loans prior to the 2nd quarter end. In particular, a large amount of the loan volume was tied to an " interest rate swap '' that later proved to be very problematic. 

In any event, we paid those loans as agreed and continued to do so until some of the loans matured. At that time we had assumed that the loans would be renewed on the same or similar terms as before since we had performed in accordance with the loan terms. Instead, the loans that matured were called due and were told to pay off Regions " or else. '' Thankfully we were able to refinance those loans and paid Regions in XX/XX/XXXX. Even the loans that were being paid on a monthly basis and that had NOT matured were accelerated due to the other loans having matured and not being paid off. In effect, Regions forced us to pay off loans that were current, and those were the loans with the penalties associated with the interest rate swap. 

During this same time period I had a personal loan that had to be renewed. It was handled in much the same manner as the business loans, but it was ultimately renewed. However, the terms were unfavorable and that was due in large part to the negative effect on my credit which had been damaged by Regions handling of my various loans. 

That personal loan has matured and I am once again in a conflict with Regions about refinancing that loan. That situation is the primary impetus for the filing of this complaint. I have attached copies of various communication which I have had with Regions in support of this complaint. I very much appreciate the opportunity to present this information to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently have a medical bill that was paid by my insurance company. I have mailed in disputes with the Credit bureau with no success. I'm currently in the process of trying to buy a house and really need these items removed. I also included other accounts that are reporting incorrect that need to removed from my Credit Report.
Product: Mortgage

18 months ago, I applied for a Covid 19 payment deferral and was granted the forbearance. I received a letter from my lender that my XXXX forbearance was ending on XX/XX/XXXX. I was given two options to resume payment or file a loss mitigation. 
It is my understanding that under the XXXX XXXX XXXX XXXX XXXX COVID-19 Payment Deferral and XXXX XXXX XXXX XXXX for COVID-19 that all Impacted borrowers have up to 60 months to defer payments. Although my lender is not required to obtain documentation of my hardship, they must achieve XXXX XXXX XXXX XXXX ( XXXX ) to determine the reason for the delinquency and whether it is temporary or permanent in nature. I have and am still experiencing a financial hardship resulting from COVID-19. 
In addition to financial hardship, I am experiencing emotional stress and struggling to maintain financial stability due to loss of both of my parents. My Mother XX/XX/XXXX. My XXXX XX/XX/XXXX. Their passing bought on an additional added financial burden.
Product: Debt collection

Debt collector erroneously and illegally reporting incorrect information on my credit file for a debt that I do not owe to this company. LVNV reports that this debt collection account is an OPEN INSTALLMENT / Tradeline account. Ive contacted this business via certified mail several times asking for complete validation, which they have not sufficiently provided. Id like this account permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

I acknowledge your efforts in addressing and rectifying the fraudulent entries within my file arising from an alleged incident of identity theft. However, there remain unresolved items that necessitate your attention for removal. This marks my third complaint as a victim of identity theft, and I am diligently submitting disputes for the contested entries resulting from this criminal activity. The items under dispute are unrelated to any transactions involving the acquisition of goods, services, or financial resources that I have either made or authorized. For your reference, I have attached my new FTC Report XXXX XXXXXXXX. Kindly expunge the reporting of the following items from my credit file, which are the repercussions of the alleged identity theft : 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 4th dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate this account and I have not yet received a written response or see any updates on my credit report.
Product: Mortgage

I sold my home and closed the sale on XX/XX/year>. The title company paid Mr. Cooper the balance of my loan in full on XX/XX/year> via a wire. As of yet, XX/XX/year>, I still have not received my escrow funds. 

Three weeks after the loan was paid off, I still hadn't received my escrow funds of {$4800.00}. Since I had plans to travel out of the United States for an extended trip abroad, I called Mr. Cooper and gave them the address of my sister 's house in XXXX, which is where I would reside during my trip. They took the address information and said they would issue the check 20 days after the loan was paid off. 

On XX/XX/year>, I contacted Mr. Cooper via message chat regarding the whereabouts of my escrow monies as I still hadn't received a check at the updated address provided. It was then I learned they had not updated the address. They said they issued to the check to the address of the home I had just sold. Needless to say, I didn't receive mail at a house I no longer live in/own, nor a country I won't be back in for another week. Furthermore, that is not the address I provided to them to send the check. 

The representative said they could issue a wire if I e-mailed a voided check or a deposit form. It was during this conversation that I learned about Mr. Cooper overcharging me on interest for a pay-off date of XX/XX/XXXX instead of XX/XX/XXXX. I also learned that Mr. Cooper charged a {$25.00} fee for the loan payoff because it was requested via e-mail not postal mail. In light of real estate fraud, it's disgusting a company would charge an expedited fee to deliver a pay-off statement via e-mail to the title company, which is more secure than paper via the US postal service XXXX 

On XX/XX/year>, per the request of Mr. Cooper, I sent a copy of a deposit form to my checking account for a wire transfer of my escrow funds. 

On XX/XX/year> I received an e-mail from a Mr. Cooper representative stating he would need a voided check in order to process the request. 

On XX/XX/year>, I sent a copy of a voided check to Mr. Cooper. 

As of Friday, XX/XX/year> I have still not received my escrow funds. 

I have a transcript of the chat conversation from XX/XX/year> and the e-mails from XX/XX/XXXX and XX/XX/XXXX. I also have the loan payoff showing the escrow amount owed to me, the expedited fees they charged to e-mail the loan pay-off and the interest overage I paid. I am happy to provide any of this information.
Product: Money transfer, virtual currency, or money service

I have more than $ XXXX that is my life savings and it is not accessible to me. My account is 100 % locked down on a timeline that is far beyond what makes sense. 

I had a payment transfer on XX/XX/XXXX that got reversed from my bank but immediately processed a payment on XX/XX/XXXX for the amounts in question. They even have record of the successful payment. However, more than 10 days later, my account is still 100 % locked down. I am not able to access any of my own assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. There were several accounts that were excluded on the bankruptcy, but were filed to be dismissed. 

Today, I logged into XXXX  to verify the information that was correct and incorrect. 

I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.
Product: Debt collection

I became a victim of identity theft in XXXX when my brother, XXXX XXXX XXXX XXXX : XX/XX/XXXX ), stole my driver 's license and social security card from my home. Using my personal information, he fraudulently opened credit accounts, resulting in significant financial loss and damage to my credit score. Upon discovering this,! promptly reported the theft to the authorities, and my brother is now a fugitive. Despite providing police reports and identity theft documentation to creditors, my efforts to restore my credit have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with a XXXX XXXX XXXX ( XXXX XXXX ) and they worked with XXXX  to settle the account on my behalf. In return, XXXX negotiated the outstanding balance with XXXX XXXX and agreed to terms which they included on their letterhead. The agreement was that I would pay {$260.00} and that would settle my account. Since then, XXXX has continued to negatively report the balance on my credit, stating that I still owe a past due amount. There is no indication that the balance was settled as agreed, instead they report that they charged off the account and I still owe a past due balance as of XX/XX/2020. I've disputed this reporting with all 3 bureaus multiple times and each time, they come back and state that XXXX stated that the credit reporting is accurate and will remain unchanged. I just want my report to accurately reflect that I've settled the debt and do not owe it. I've sent the settlement letters and proof of payment to XXXX to all 3 credit bureaus and they still continue to report that the tradeline will remain unchanged. I've worked hard to resolve this debt with them and they refuse to accurately update my credit report. XXXX  is the most recent bureau to deny yet another dispute of this information even though they have the supporting documents to show that the balance was paid/settled as agreed.
Product: Debt collection

My credit was damaged, they have defamed my character with these fraudulent charges! I do not know/Authorize Phoenix Financial XXXX Nor do businesses with them at all! 
Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Phoenix Financial
Product: Credit card

I had this credit card for a while and of course during XXXX did not use my cards often and wasnt traveling. I had accumulated close to XXXX travel rewards points on this card which I was told would never expire as long as the card was active. 
Due to XXXX and dealing with ongoing XXXX XXXXssue for my XXXX  after severe XXXX  and now the damages it caused, we had not really been traveling or using a lot of our cards. 

Previously, I had several issues when trying to use the card where the card didnt work or took several times to work and finally in XXXX I asked for a new card. According to the customer service rep the new card was mailed out and 3 days after that they closed my account. 

I was never told I was at risk for that or that there were any issues. Id never missed a payment and my credit score is in the mid XXXX 's. 

Closing a credit account can cause a drop in your credit score as well. Again I was never told the account was in danger of being closed and I had talked with them several times right before it was done. 

We asked the card to be mailed where we were staying, but did not receive it before we left. When I called back to change addresses I was told a new card was being sent also never received. We finally decided to deal with it later. That was XXXX. 

We knew were were planning a trip in XXXX and figured we would sort it out then. 
This is when we found out the account was closed. 

We did not get notice of this. More importantly the almost XXXX rewards points were worth close to XXXX in cash value and they simply closed the account making it not an active account this taking those. 

One agent said the account was inactive for an extended period of time and so it was closed. Well had anyone said that was a problem and provided me with a card that worked I would have been using it. We have plenty of other credit cards and have even gotten notices after XXXX from a couple stating that due to non use the accounts could be closed by a certain date if there was not use on the account. For a couple we opted to close them. For others we made sure we began using them. The point is we were notified. With the XXXX card we were not. 

Moreover, my XXXX  and I both have other Capitol one cards that do not have rewards tied to them and that havent been used in ages but those arent cancelled. When I asked about that I was told they dont generally cancel cards unless there is a problem or a history of non payment or abuse etc.. There was no such history. I think they saw a way to not have to pay out those rewards and the account being idle and cancelled it. 


Meanwhile Money that I earned on that account by using it and fulfilling my obligations was taken from me without my notice or consent. 

Even worse was that we were considering transferring a sum of money over into a Capitol One high yield interest account, but hadnt done it yet because we were nervous about doing this with basically a credit card company over our traditional bank. 
Well things like this certainly dont inspire or build trust.
Product: Debt collection

I signed up for the card in store and made a purchase. I never received the card in the mail, nor a statement for the charges. I periodically receive 10-15 calls/day from the bank collections department and make a payment when I speak to them. Over this time, I have been charged late fees for EVERY SINGLE month, even though I make payments when I am contacted. The representative I was speaking with was laughing at me and was disrespectful when I explained the situation. Based on notes, she could see I have said the same thing in the past. No card, no statements, no account number. I have not had the info needed to call the bank myself at the number provided XXXX which expects the account number. When I am contacted, I make the payment, even though they are calling so many times over multiple days. I do not have a problem paying what is owed but am now only paying for the fees they are charging, not for good purchased. Today I paid the rest off so I would not be contacted anymore but am filing a complaint for a refund of the {$120.00} I was advised were strictly fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX