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

I tried withdrawing or transferring my funds to Another account and they cancelled each transfer. Juno or XXXX  XXXX  say they have no way to know how long until I can access my funds This started on XX/XX/XXXX th and I still cant get my funds. This hasnt been the XXXX  time and I would not recommend anyone to use Juno / XXXX XXXX 

This is on their website : We are currently experiencing issues with banking, card transactions, and direct deposits on our platform. Please be assured that we are working to resolve this as a top priority. Thank you for your patience!
Product: Mortgage

Subject : Urgent Issue Regarding Mismanagement of Texas Homeowner Assistance Fund Payment and Incorrect Charges on My Mortgage Account Account Information : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Lender : Flagstar Mortgage Dear CFPB, Consumer Financial Protection Bureau, I am writing to express my serious concerns regarding the mishandling of funds and subsequent incorrect charges to my mortgage account. In XX/XX/XXXX, I utilized the COVID-19 Forbearance Plan offered by the federal government under President XXXX XXXX , pausing payments on my mortgage for XXXX months. After the forbearance period ended in XX/XX/XXXX, I applied for assistance through the Texas Homeowner Assistance Fund ( THAF ) in XX/XX/XXXX to cover the missed payments and bring my mortgage current. 

The THAF approved my application and sent a payment of {$45000.00} to Flagstar Mortgage on XX/XX/XXXX, as detailed in the attached proof of payment. This payment was intended to cover the entirety of the deferred payments from the forbearance period, thereby bringing my mortgage account current. 
However, I discovered in XX/XX/XXXX that Flagstar Mortgage had inexplicably returned a partial amount of {$26000.00} to the Texas Homeowner Assistance Fund out of the total payment received. Despite my inquiries, I have yet to receive any explanation from Flagstar regarding the reason for this return of funds.

As it stands, Flagstar Mortgage is now holding me responsible for the amount of {$26000.00}, which was supposed to be covered by the THAF payment. My monthly mortgage statement and payoff statement reflect this amount as due, despite the fact that the THAF had already approved and provided these funds on my behalf.

I have requested that Flagstar reach out to the Texas Homeowner Assistance Fund to retrieve the returned funds, but Flagstar has refused to take this necessary action. The State of Texas has confirmed that they require Flagstar to initiate the request for these funds, yet Flagstar continues to decline to do so. 

This situation is causing undue stress and financial hardship, as I am being unfairly charged for an amount that was already paid on my behalf. I urge Flagstar to promptly address this issue by requesting the return of the funds from the Texas Homeowner Assistance Fund and correcting my mortgage account to reflect the proper balance. 
Please treat this matter as urgently as it requires. I expect a resolution within 30 days of this notice. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

God bless you!
Product: Debt collection

Account number : XXXX I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 15 US Code 1692 ( g ), 15 US Code 1681 S2
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account numbers : XXXX and XXXX has violated my rights. 
15USC 1681-602A states I have the right to privacy.

15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I sent 2 dispute letters to Experian due to them reporting incorrect accounts on my credit report. I asked them to investigate and if they found these accounts verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within XXXX  days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over XXXX  days and have done nothing.
Product: Debt collection

In XX/XX/XXXX, M & T Bank assumed the responsibility of a mortgage loan I had with XXXX. The effective date of the transfer was XX/XX/XXXX. In my 10-plus years as a homeowner, I have made on-time monthly mortgage payments. 

Although the due date is the XXXX of every month, I typically pay within the 15-day grace period for mortgage loans. Thus, no late fees are incurred. 

However, since the transfer, M & T Bank has made recurring calls asking when payment is going to be made ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ). The representative begins my asking to confirm personal information ( last four SSN ). This practice would seem suspicious. 

During the most recent exchange with an operator ( XX/XX/XXXX ), he asked when payment would be made. My reply : The same time frame as the previous month. Later, I wondered if the bank could see a record of my last payment. The representative said no since it was made online. Subsequently, he noted my response in my account. 

However, to my dismay, I received a phone call seven days later ( XX/XX/XXXX ).
Product: Checking or savings account

My payroll check was to be deposited on XX/XX/year>. As of today XX/XX/year> at XXXX XXXX. I still dont have my check. They do not have ETA on when i will receive it.
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. 

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 has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all 3 major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. 

XXXX : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Debt collection

My name is XXXX XXXX, I am a previous resident at the XXXX in XXXX Maryland. I wanted to reach out to you due to receiving a call from a collections agency. During the call from the collection agency, they stated that my wife and I owe {$3700.00} due to unpaid rent. When I inquired on our move out date from the XXXX   they informed me that we move on XX/XX/XXXX, which is incorrect. I have attached a copy of an email that was sent to the XXXX informing your team that we would be moving out on XX/XX/XXXX, which we turned in keys and garage door openers on XX/XX/XXXX at XXXX XXXX. During this time our lease agreement had expired and we were on a month to monthly rental agreement. After sending the attached email my wife received a call from you was she informed you that I had been laid off and we could no longer afford the rent payment. On XX/XX/XXXX, I submitted the prorated rental payment of {$1100.00}, due to us moving out on the XXXX of the month. Per the XXXX county housing code, if you have a loss of income you have the ability to submit a 30 days notice. I have also attached another email stating that your maintenance team changed the locks on the unit on XX/XX/XXXX. I have attached several supporting documents that should clear up the errors and time that we moved from the apartment and also that we do not owe the XXXX any rent. The property management company can not provide a signed lease. They can not provide a reason why I was charged for the additional month and a half.
Product: Money transfer, virtual currency, or money service

I received a text with a verification code from the company Affirm. I went online to find out how to close my account, which I never use. They require you to call to do this. When I called, they refused to close my account, even though it is currently being hacked. 

Their excuse was that I couldn't verify all my information, despite the fact that I have done so. They even called the number associated with my account and confirmed it was me. It seems very odd that they will not comply with my request. This account is linked to my bank account, and I am very concerned that the hacker will gain access to my financial information.
Product: Debt collection

I used a XXXX machine and it was returned. This caller was trying to collect a debt that does not exist Machine was returned approximately end of XX/XX/XXXX The caller contacted me today, XX/XX/XXXX, telling me I owed {$150.00} I gave my birthdate to the caller and when they asked me for my credit card number, I said " I am going to call the company from whom I got the machine '' I called the XXXXXXXX XXXX and was told my balance was XXXX. That I owed no money I asked the caller today for the name and phone number of their company. The caller said " Credit Management Company '' and the phone number is XXXX.
Product: Money transfer, virtual currency, or money service

I was using Albert : banking on you. They started a savings thing in the account without informing me and took money out of my normal checking account without me even wanting to start the savings and now Im fighting with them to put the money back in my account they say the money is mine but wont put it back in my account. Been fighting for two days for it too be back in my checking account.
Product: Mortgage

Wells Fargo has the mortgage on my home. I have had a diagnosis of an incurable XXXX and all of a sudden have no income except my social security income. The XXXX has filed for a collection on a business loan and it appears on my credit report. Wells Fargo never gives you a reason why they turn you down on a modification, except to say there are discrepancies ; they do not allow you to explain the discrepancies. The first time I had a modification was several years ago, and that was when the investigation into mortgage fraud was uncovered. That was a nightmare, with lies, having to submit documents several times, personnel changing and having to start over. Then the only thing they did was to instead of a pick a payment, added a second lien to my property which didn't accrue interest but it was accruing on the pick a payment. These XXXX  that I talk to at Wells Fargo promise that it will only take about two days ; every time I submitted information they said they didn't get it. 
As of 2015 I was diagnosed with a critical incurable XXXX, which cut off all ability to work. I was able to keep up the payments for quite a while, but gradually fell back, until now I owe {$12000.00} to bring it current. 
I applied a year ago for a modification, and the same thing happened ; no explanations, and finally when they denied it, they said something about discrepancies, which I couldn't figure out. Their contacts don't seem to know, and when I asked, they said they have no information. 
I tried to keep up the payments, but wasn't able to ; I was able to make one payment a month, but it was still behind. All of a sudden, I get a notification on the door of foreclosure and apparently the house is in the bank foreclosure MLS list ; no notification. I can not believe Wells Fargo can continually get by with this ; they treat their customers very badly, lie to everyone, and then refuse to be accountable. I need some help. I don't know if there is a foreclosure date, ( I put NO because I don't know. )
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I received a copy of my Consumer report, and I noticed some late payments on my credit report : XXXX XXXX MONEYLION INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter requesting verification of alleged collections accounts that were being reported on my consumer reports and was being reported by XXXX, Transunion, and XXXX. I sent another request for debt verification and investigation on XX/XX/2021 and again on XX/XX/2021. I have NEVER received a response from either company informing me of the outcome of their investigations. 

I am now requesting a DEMAND TO COMPLY AND DELETE ALL ACCOUNTS AND INACCURATE INFORMATION LISTED ON THE ATTACHED PDF.
Product: Student loan

I was living with my parents and overpaying my loan by {$200.00} a month. Combined with my federal loans and another private loan, I was paying about {$800.00} a month. When I wanted to move out, I called Navient to change my loan payment back down to the minimum that I was paying before so I would only have to pay {$600.00} a month. They told me that I could n't do that and I was stuck with the higher payment. With my budget, this left me unable to move. I had to borrow money to pay off the loan in full so I could refinance and make my monthly payments lower.
Product: Mortgage

UNFORTUNATELY -- MY HUSBAND AND I HAD TO FILE A CH. XXXX BANKRUPTCY IN 2011. 
ON ADVICE OF OUR ATTY ; WE DID NOT RE-AFFIRM THE LOAN WITH WELLS FARGO AS " SERVICER ''. SINCE, I HAVE KEPT THE LOAN CURRENT ; EXCEPT FOR A 3 MONTH PERIOD WHEN I WAS ATTEMPTING TO GET A " HAMP '' MODIFICATION. AT THE TIME OF APPLICATION, WELLS TOLD ME TO BE ELIGIBLE, THAT I HAD TO MISS XXXX PAYMENTS. 
SO, MY ISSUE WITH WELLS IS TWO FOLD REGARDING CREDIT REPORTS : ( 1. ) THEY CONTINUE TO SHOW XXXX MISSING PAYMENTS -- EVEN THOUGH WELLS TOLD ME TO DO SO -- AND -- THEY DO NOT ANSWER THIS WHEN I WRITE -- THEY ONLY SAY PURSUANT TO THE FDCPA ; AND ( 2. ) AS STATED, WELLS DOES NOT/WILL NOT SHOW THAT I KEEP PAYMENTS CURRENT. AGAIN, THEY STATE BOTH THE FDCPA AND CALIFORNIA FDCPA. 
THEREFORE : IS WELLS WITHIN THE LAW BY ( 1. ) CONTINUED REPORTING THESE XXXX MISSED PAYMENTS ; AND ( 2. ) IS WELLS WITHIN THE LAW BY DENYING THE FACT THAT I MAKE PAYMENTS ON THIS LOAN -- EVEN WHEN I ASK THEM TO REPORT? 
THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAL. XXXX FORMERLY : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CAL. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on my credit report with Equifax credit bureau because I am a victim of identity involving collection account with XXXX XXXX XXXX and XXXX XXXX XXXX amount of {$590.00}. I've never had XXXX XXXX services because I've been a customer of XXXX for the last 15 years and still currently still utilize their services. Equifax agreed with the collection agency without adequate investigation measures. The collection agency won't provide me with the original XXXX XXXX documents and is asking me to pay {$590.00} not the {$590.00} as Equifax is reporting.
Product: Credit reporting or other personal consumer reports

I XXXX reported this I did not make theses changes there are XXXX accounts where both cards was used theses card again my identity was stolen. 

Account XXXX Recent XXXX  XXXX {$460.00} as of XXXX .... 
ance XX/XX/XXXX Date opened XXXX XX/XX/XXXX Account charged off. 
{$560.00} written off. {$460.00} past due as of XX/XX/XXXX. 
+ Dispute Account name XXXX XXXX XXXX XXXX Account XXXX Recent XXXX XXXX {$10000.00} as of XXXX... 
ance XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off, {$10000.00} written off. 
{$10000.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint for timeshare company XXXX XXXX. We spoke with their employees but unfortunately I don't have the names of all the people we dealt with. They were introduced as owners themselves & claimed to not work on commission. They told us we're making good financial investment, as we would earn money from this as well. The biggest push they made during the pitch was promising us rental income. That we can make money from this timeshare by selling our points, make money to pay this off. They also mentioned that at some point, we will never have to pay maintenance fees again. They also promised us things would be positively different each time things got worse. They offered us gifts such as cruise, XXXX XXXX  that we were never able to use because it was never available, we simply can't use them. We were told that it has some tax benefits similar to owning a second home. There were instances they said they needed " corporate '' approval in order to give us the price being offered like they're giving us a special offer. We felt pressured when they told us it's our last chance at the lowest price. They have our IDs during this process. They had us opened a credit card, we were not made aware of the fees. Everything felt rushed, they didn't even allowed us or give us time to read the contract. They applied a lot of pressure & hateful when told no. We were never properly informed how to cancel, we were told if we wanted to sell, they will just buy it back & gave us a realtor number. I did actually ended up issuinmg a complaint on them saying they would buy back, but never got a resolution. At our age, we already have a couple of medical conditions and having this timeshare doesn't make it easier for us. It just gave us financial difficulties. They told us we could re-finance this as a home mortgage & rate cheap & not have to pay this high payments but it was not the case, we tried but it was considered as personal loan. It's a struggle trying to work all the time to pay this, need to work non-stop to make sure we don't fall behind. We even lose sleep over the stress of the timeshare, about bills and worrying how we'll be able to keep up with this payments. We had the worst experience with this timeshare, all the lies, they promise you things that are not true and you're left with high payments & fees on things you are never able to use. Plus they sign you up for an interest rate you nave can pay & tell you, you only have to pay one month then you can refinance at a bank as a mortgage & it will drop your interest rate ( which was not true at all ) so you can afford it. Also, they told us that owning this will help build our credit which was another one of their lies, not true. We were taken advantage of, & we were simply defrauded & lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 ; XXXX and Transunion are reporting incorrectly a late in XX/XX/2018 on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am in school and these loan payments have been deferred and therefore there are no late payments to report. This incorrect reporting of a late is harming my credit score and these lates need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

My Venmo account was frozen out of no where for absolutely no reason. I am not able to manage or retrieve my remaining balance and not able to get answers from anyone from Venmo in regards to the issue. I would like my money.
Product: Credit reporting or other personal consumer reports

I have sent numerous request to XXXX to remove BANK OF AMERICA 73 Late Payment {$0.00} account record from my Credit Report because it has caused me financial harm.

I closed this account because Bank of America has refused to comply with 15 USC 1666B ,15 U.S. Code 1605, and 15 USC 1605 ( a ) to name a few. This is alarming since you have already taken action against Bank of America for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts.

My account with Bank of American was never late. This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hardship to my reputation, my character, my mode of living and to my family. That is why I closed the account and requested for the record to be deleted. 

XXXX and XXXX has removed it from my credit report already but Bank of America and XXXX seems to have difficulty complying with FCRA Regulations and Consumer Laws. 

Thank you very much for your time and assistance regarding this matter.