23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am filing with XXXX XXXX XXXX at the same time I am filing with you : This communique is to address my concerns over you reporting me to the credit burrow with late payment and adversely affecting my credit and ability to refinance my loan. This is simply not true, I have paid you the same amount for over 6 years, every month, always on time. This is easy to see in the attacked payment history that covers the entire time that your representatives would send me. I do have ALL of my payments and bills that I can produce if necessary, though my time doing that would be billable. 
XX/XX/XXXX, I inquired with XXXX XXXX XXXX ( XXXX ) to see if I qualified for a restructuring of my load to reduce my interest rates and payments. I was very vocal that I did not want anything with my existing loan to change without my permission. It appears that you did not pay any attention to me and sometime XX/XX/XXXX, without my permission you decided to start requiring escrow from me, which I have never paid. I make all my insurance and tax payments myself. It should be noted that they have always been paid on time and in full. 
XX/XX/XXXX, XXXX sent me a restructured loan packet with a HIGHER interest rate and higher payments. This was unacceptable and I declined it, instructing you NOT to change my existing loan again. I have to instruct you verbally and in writing numerous times before you stopped pestering me about it. However, as noted above, not only did you add escrow to my account, but you did not notify me. You then began sending me notices that my payments were not sufficient and all my payments were going into suspense. I made numerous calls and wrote numerous letters trying to straighten this out. XXXX was very uncooperative and rude on many occasions, refusing to transfer me to managers when I requested. I sent written notice to stop collecting esc row and not to make any payments. However, you still made a payment to my insurance company, even though I was paying them monthly. I had to take my own time to recoup this mistaken payment that you made and returned it to you in an effort to straighten out the escrow issue. All of this should be in your records. 
The above is a brief summary of what has transpired and attached are records of my payments, on time and for the full principle and interest. I want you to do the following : I want remove the " Late Payment '' on my credit history and with all credit reporting institution post haste. This would be the " account 30 days past due on XX/XX/XXXX. I made the same payments as always and the escrow was in dispute.
Product: Student loan

I am requesting for Sloan Servicing/Nelnet to remove these late payments from all three major credit reporting agencies immediately. I am currently XXXX and my student loan is under deferment.
Product: Credit reporting or other personal consumer reports

there are a lot of inacuracies in my credit report from Equifax, XXXX and XXXX due to a recen data breach wish i was affected by. and would like to have all negative items removed from my report.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX, XXXX we stayed at the XXXX suites in XXXX Florida. The stats were reward night stays. My card was authorized each day for {$230.00}, {$230.00}, and {$250.00}. ALL Funds were to be released back to me. Ive received {$18.00}, {$38.00}, and {$25.00} back. And on my account transaction history the remainder is not listed ANYWHERE! Theyre claiming the transactions were posted but they arent allowing me to dispute because the transactions are no longer showing anywhere on my transaction history! I have called every day, over 20 hours on the phone with no help as to where my funds are! The charges are completely gone from my account and they do now show anywhere! So theyve taken the money and have not listed on my account that its either pending or posted. So to me it looks as though theyve stolen my funds and theyre gone! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an individual who was affected by the Equifax customer information breach, and I reached out to their customer support line today to get information about what information of mine was compromised. 

When I called Equifax, they were wholly unwilling to tell me which personal information was made available in the breach, and insisted that I sign up for their paid credit monitoring service, which is also subject to mandatory binding arbitration without any opt-out option. 

I am deeply disturbed by this, as I would like to know exactly what information of mine was made available, and I wish to reserve my legal rights, particularly because it 's almost impossible not to have information with Equifax at this point in time.
Product: Credit reporting

I do not have XXXX nor have i ever had XXXX service
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I reached out to XXXX to inform them that the account that they are reporting under my social is a result of identity theft. XXXX informed that they would investigate the matter and get back with me. Not only have they not gotten back with me they never blocked it from my credit file as requested and they have never sent validation as they should in the beginning before inserting into my file in order for me to dispute the validity. I have never dealt with XXXX or the company XXXX XXXX whom they represent. The amount of XXXX is not an obligation that I have ever had to owe to either company. Account XXXX does not belong to me and I demand that it be removed immediately or I will be forced to pursue legal action within the next 15 days. 
They have never even reported to the CRA 's that I disputed this information as it is on record here with CFPB.
Product: Checking or savings account

Received an email saying I signed up for services and tried to get me to open a service agreement. Email received today XX/XX/XXXX at approx XXXXXXXX XXXX. I did not open the agreement because it seemed like scam and I knew I did not do it. I called the number and it sounded to me like a person answered Bank of America from a home line. He could not answer my questions about time and date and other information I was asking for about this being fraud and wanted me to open a service agreement. I ended up hanging up and decided to file this complaint because I'm unsure of who I am speaking with at supposed Bank. XXXX number was listed on prior scam, phishing warnings XXXX.
Product: Debt collection

Called looking for a individual that does not have access to the phone number they are calling. Afni has been advised on multiple phone calls this is a wrong number and they continue to call. I have received to date 4 calls from afni and each call I have asked them to remove my number they disregard and continue to harass and call.
Product: Checking or savings account

XXXX of XXXX I made a claim for my credit card account as it was eventually closed over my credit limit XXXX. It racked up to XXXX and more in interest charges and fees. 

I went to MULTIPLE branches out in XXXX when I tried to start a new life after trying to move out of a toxic situation. Incompetence over and over again with wellsfargo. They pushed me through multiple departments. I couldnt restart a life, lived in my car for XXXX weeks and they ended up closing my debit and I had no way of paying and withdrawing bills from the debit account. Plus the debit racked up to XXXX. 

I will never bank with them again. They had called last week and I spoke to a wellsfargo person and he said oh we dont have a claim on your credit card account. I had spent multiple times in a branch and on the phone being pushed from dept to dept and NOTHING got done and or resolved. Hence incompetence. 

Please let me know next steps. I am NOT at fault at all in this. Its a shame as I have banked over XXXX  years and ALWAYS paid my bills on time. Now they screwed me in every area. They continue to say theyre sorry but they have no idea how tragic they have left my life. I need to fix this asap.
Product: Debt collection

XX/XX/2016 we closed a checking account at XXXX XXXX, XXXX, Pa. They charge {$10.00} to close, which we were not awaare of. Every notice unanswered cost us {$39.00} plus {$6.00} a day.t With penalties we now owe {$270.00}.! All our mail was forwarded but the USPO does not forward Bank mail. We did not know this, but I think the Bank must know it. We have excellent credit, and are very concerned about this. Please help..
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian due to their unauthorized collection, storage, and dissemination of my personal information without my explicit consent. I have recently reviewed my consumer report and identified inaccuracies that adversely affect my financial standing. As this is my first official communication regarding this matter, I am submitting this complaint through the CFPB as a formal notice of dispute. 

Experian has failed to ensure the accuracy of my consumer report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand immediate investigation and removal of any incorrect, misleading, or unauthorized information from my file. 

Additionally, I will be mailing a physical copy of my formal affidavit and adhesion contract to Experian executives detailing these violations. I request a prompt response acknowledging receipt and outlining the corrective actions to be taken. If no resolution is provided, I will escalate this matter accordingly.
Product: Credit reporting or other personal consumer reports

I tried to apply for credit and was denied based off of reports from TransUnion, XXXX, and XXXX reporting negative information on my credit report without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX  XXXX account XXXX XXXX also XXXX and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.
Product: Payday loan, title loan, or personal loan

Rapid cash issued me a series of loans-4 within a one month period where I borrowed an amount then needed more so I went in and they increased the amount so I could pay off the prior loan and get more cash-help. I now have a writ of garnishment but am unemployed. Also no service if process, and the amount on the writ is higher than the judgment and hand written on my copy of the writ
Product: Student loan

Paid XXXX out of pocket for an unsubsidized loan back in XXXX to Mohela. I have receipts of the money being wired from my bank to them + a CONFIRMATION EMAIL from them. Yet that doesn't reflect on their website and now I have additional interest accrued because of THEIR mistake. called the company twice and they were useless. Just sat on hold for 2 hours right before writing this.
Product: Mortgage

Regarding loan # XXXX JPMorgan confirm their findings as provided before. 

However, for the record please note that apartment XXXX 'never ' had an equity loan. I had another apartment, which unfortunately I was almost forced to sell last year, XXXX against which I had maintained a line of credit. The loan with JPM which I believe must 've been taken under WAMU or even Dime Svgs Bank, was taken a long ago which matches the XXXX filing. This line of credit 'did not ' exist up until recently as JPM seems to indicate. 
I have been asking about the line of credit that was been reported every time I called to get a status on my current mortgage loan, but never got a straight answer. Instead JPM had in their files a UCC under a complete different apartment number and owner listed under my records. 
I 'm glad that this issue got finally corrected. 
I am very disappointed though at JPM 's decision to not respond to my question regarding the loan they issued to XXXX XXXX XXXX XXXX XXXX in 1996 ( originally thru Morgan Trust Co ) As a shareholder in that Co-op I should be able to obtain the requested information. I did n't realize how bad the real estate market had hit until I started to review some documentation for the Co-op which raises some questions which oddly enough Management Company, Sponsors, accountants, etc have kept secret all these years.
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 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: Payday loan

Middlegate Funding is such a rip off and I would n't suggest anyone go through them because of the pain, harassing you and your broker and saying that I am a thief for borrowing money. They are not registered with XXXX and am going to take action with the FTC. They act all nice and sincere when you first call them, then the moment they wire you the money for a transaction they start changing there ways and treat you like XXXX. Middlegate Funding owners are XXXX XXXX and a person named XXXX, they act like they have 50 people working for them but in all honesty it 's just them 2. They will have you convinced of an interest rate and then all of a sudden after receiving the money they will charge you more interest then indicated. Remember people are borrowing money for a reason, because of numerous financial reasons, so they know you do n't have the power to go after them. If you start negotiating a settlement they will say yes but then say now you owe me more for all other fees they make up. Bunch of scam artists and they claim they work with numerous real estate companies but in reality they have no one! We would love to have more complaints to file a class action lawsuit against them and get other stories from those that borrowed money from them at one pint or another or been through other horrible situations with Middlegate Funding.
Product: Mortgage

Buying your first home should be one of the most memorable experiences ; however, ours was one of the WORST experiences I have ever experienced. The lender, XXXX XXXX, who works with American Pacific Mortgage Company has been the worst customer service experience of my life and is completely inept.

To begin with her communication skills are atrocious. She would ignore phone calls and respond via text message or email usually after a few days of us calling and repeatedly messaging her. Certain days she would message us around XXXX with a task and if we called to ask for questions, she would claim that she was not near her computer. Having a phone conversation was like pulling teeth and she was very abrasive via text. 

Secondly, she never explained anything to us, we were XXXX  or reaching out to friends, our realtor, and everyone else to get answers. She herself on several occasions told us to look things up on XXXX. 

She gave us a pre-approval for a set amount in which we paid the home appraisal fees and additional fees with it all our efforts being futile. She additionally requested tedious tasks from us which we completed within an hour of her asking for them, and they were time consuming paperwork tasks. In return we just wanted open and honest communication ; however, she failed to do so, and would go days without returning our emails. At one point she claims her phone could not receive phone calls, but she could text and still email from the phone. Specifically, it was XXXX XXXX, and we called her and finally got a hold of her, and we expressed our frustration and our concerns, in return she told us She spent enough time on us. These comments were repeated in the presence of our realtor, who was astonished that she made such a comment. 

She is completely insensitive and inconsiderate of her clients time and money. 

The delayed communication caused our process to go over the time frame, with frustrations from the seller, the listing agent, and ultimately, we did not receive the home. She would procrastinate on her side then harass us to call our managers and HR departments to get documentation sent over ASAP. The constant calling and pleading to employers to get the documents to her last minute soured our relationship with them. 

Our realtor worked with us as if we were family and we felt our concerns were heard BUT NOT with the lender who in turn gave us such a headache we were in tears throughout the entire process. We personally believe that we were discriminated against based on our XXXX and XXXX background.
Product: Mortgage

I am currently in a dispute with Loan Care who has acknowledge their is an error. My loan has been transferred from XXXX XXXX XXXX with a HELOC that was forgiven along with an idenmification loss note affidavit. Ever since then, I have been trying to get these charges removed by XXXX XXXX, XXXX and now XXXX has sold my loan to a Trustee who purchased my loan. XXXX XXXX is not accepting responsibility, however, Loan Care who is the subservier is acknowledging there is an error. I have not been properly welcomed into their company, I have a wrong loan number and the amounts are incorrect. I am also not responsible for a second loan who was sold by XXXX. XXXX has failed to remove this loan from my account and now that they are in financial trouble they sold my loan and did not address my second loan is no longer my responsiblity. XXXX filed tax with that amount after I had notified them that I am no longer responsible for that second loan. I sent then my forgiveness letter and I have proof. This balance has followed me from XXXX XXXX and now XXXX XXXX has no idea that my house has been sold to a third party who is trying to evict me without understanding the facts. I have notified Hud, and FTC The person who purchase my loan is an agent for XXXX and held a private auction in XXXX. She still has it on site to contact for future actions regarding my home. She must know that until I was in foreclosure and sold my loan at an auction. I was in chapter XXXX bankruptcy in XX/XX/XXXX, I reinstated it but did not get a bk number because attorney stated I needed to have the arrears move from my account which is why I contacted XXXX and Loan Care beginning in XX/XX/XXXX, but they kept transferring me to different dept. which led me to the attorney. However, she is unaware that my note was filed at the county recorder incorrect, the investor is XXXX  XXXX, who I tried to get help from and who turned me away because I was in a class action law suit against XXXX XXXX for not handling my account correctly. In XXXX of XXXX, I was transferred to Loan Care Bankruptcy Department, then I started receiving statements from XXXX  XXXX who owns the rights to my loan. I contacted Loan Care and they transferred me to XXXX, then XXXX transferred me to the Mortgage Law Attorney 's voice mail who is on the Trustee Sale, an agent for XXXX. After faxing my information regarding my error to XXXX XXXX, they said they are not responsible and said that Loan Care. Now Loan Care acknowledges there is an error but after filing a complaint against XXXX on XX/XX/XXXX, I received a letter on XX/XX/XXXX stating they are still investigating, then on XX/XX/XXXX, I got a letter of eviction ; giving me 5 days to vacate which will be XX/XX/XXXX. I have an attorney from XXXX XXXX XXXX working with my lender to get the numbers and Hud also, so I wanted to file this complaint while my complaint is being reviewed by the attorney, Hud, FTC also has my complaint regarding the manner my house was sold.
Product: Debt collection

On Tuesday, XX/XX/2018 I received notification from XXXX that my credit score had  dropped due to a collections that had been posted to my credit history from a creditor named XXXX XXXX ... an apparent creditor for XXXX. The collections agency assigned to collect the debt is XXXX XXXX XXXX ( XXXX ). 

I spoke with a representative who identified himself as XXXX XXXX with XXXX XXXX XXXX and he told me that they showed I owed {$710.00} on an open XXXX Account, account number XXXX. 

The credit change to my report stated that between XX/XX/2018 and XX/XX/2018 a " new account '' was added in collections to my credit report. 

I have no open, unpaid accounts with XXXX and this bogus, ridiculous hacking of my credit report is unacceptable and I would like evidence of my obligation to any XXXX account. 

I think it's an outrage and a discredit to XXXX XXXX apparent inability to identify closed, paid off accounts and I dispute this derogatory mark that they have placed on my credit report and would like it removed immediately. 

I have had repeated issues in the past with harassment from XXXX on either a bogus account or accounts that were not properly reflected as paid off. 

My credit score has gone down nearly 30 points because of this inept misinformation presented by XXXX XXXX and the XXXX XXXX XXXX. Please help me resolve this matter. 

Thank you, XXXX XXXX XXXX XXXX.