23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I owned my home for approximately 19 years when it foreclosed in XXXX 2014. However, the decision is not yet final as the case has not yet completed the redemption period and I am filing this complaint to let the CFPB know that along the way I was scammed ( XXXX individual was actually on the news a few month ago and he was indicted for mortgage fraud in XXXX XXXX ... ... .he was XXXX of the persons who handled my loan! ), encountered gross negligence or not provided the services that I paid for at various entities. For your information, this home equity loan was originated by XXXX mortgage then sold to XXXX then acquired by XXXX XXXX XXXX and then eventually serviced by XXXX Servicing. Other entities that contributed to my misfortunes included a financial counseling agency and a law firm that took a lot of money from me ( with large up-front fees ) without assisting me in any meaningful way! Lastly, my dilemma culminated with being assigned to a Judge in the XXXX XXXX XXXX in XXXX County, Florida who had been arrested herself for XXXX and she had been recently reassigned from the XXXX Division to the XXXX Division. It appeared that she had no desire to hear the merits of my case and basically told me to " sit down woman '' and then proceeded to immediately deny the motion to set aside foreclosure sale and vacate final judgment. I never had a chance to show the valid reasons as to why the sale should not have gone through!
Product: Consumer Loan

I recently notified Mercedes Benz Financial Services that they had not updated my balance with the credit reporting agencies in months. They responded to my email and stated that they would update my credit reports to reflect my current balance. Today, I checked my credit reports and Mercedes Benz Financial Services updated my credit reports to reflect that my CURRENT balance was {$53000.00} which is higher than what I even purchased the car for. I have made all payments on time and my correct current balance is a little over {$49000.00}. After MBFS updated my credit reports with this incorrect balance of {$53000.00} my credit scores dropped as much as XXXX points. I called MBFS and the agent did not understand what I was complaining about. He was very rude and condescending. It is apparent that MBFS simply does not care. 
How it is possible that the balance MBFS reported in XXXX 2016 is {$50000.00} and in XXXX 2016 it is {$53000.00} with perfect on-time payments? Please see attached report from XXXX reflecting this.
Product: Mortgage

I have a mortgue with bank of america I over paid my escrol account and am due a refund but am behind on my loan so they will not give me my money I asked to have the money applyed to my loan to help bring it curent and they wount do it they told me they have to send it to me but they wount because I am behind
Product: Debt collection

The company attempted to collect in court, then waived judgement and then submitted the request for arrears, late, atty, filing and warrant fees through a collection agency for the amount of {$8300.00}. Our housing advocate worked with the attorney for XXXX XXXX, XXXX XXXX XXXX, XXXX who in an email to XXXX XXXX dated XX/XX/XXXX stated that by waiving the judgement prevents having to raise a defense as well as prevents a judgement from being filed for all the world to see but doesn't preclude the landlord from acting on the contract or putting someone into collections. The company ( XXXX XXXX ) reported that rent was owed from XXXX totaling {$6100.00}. It was reported to the company that canceled checks supporting payment of those alleged months were available, ( cashier 's check # XXXX - amount {$4000.00} covered XXXX, personal check # XXXX, {$1000.00} for XX/XX/XXXX, ck # XXXX, {$1000.00} for XX/XX/XXXX, ck # XXXX, {$1000.00} for XX/XX/XXXX and ck # XXXX, {$1000.00} for XX/XX/XXXX. the company 's collection XXXX XXXX XXXX informed us that the account was now with XXXX XXXX XXXX. I spoke with a representative from the collection agency, XXXX XXXX extension ( XXXX ) several times and called back when advise only to hear that the resolution department was still working on the dispute, and nothing was noted as of date. The documentation was sent certified mailed receipt and signed by an IQ representative. I also disputed and submitted backup documentation with all 3-credit reporting bureaus. No one has been interested in getting to the truth or acting on the proof of payment. I was the co-signer ; however, he was approved for NYS Emergency Rental Assistance Program ( ERAP ) application XXXX which because of poor bookkeeping and miscommunications did receive payment as well but had to return because of an overpayment of funds. Uploaded copies of checks disputing the charges has been made available and are still available, but no one is listening and both parties still place their mistake into court, involved attorneys and collections without taking a moment to look at the proof. I'm not sure how we got here but we are and XXXX XXXX, XXXX XXXX ( XXXX XXXX ) and IQ Data are not open to correcting or rectifying this mistake.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent an email to the CEO of XXXX XXXX XXXXXXXX requesting the removal of a negative item from my credit profile being reported to the credit bureaus by XXXX XXXX XXXXXXXX. Shortly after I received a phone from a company representative and on that phone call I request proof of signed documents pertaining to the account in question. XXXX XXXX XXXX has failed to provide those documents in a timely manner and I question if they even exist. Which is why I demand the account be permanently deleted from my credit profile. 

15 U.S Code 1666b timing of payments 15 U.S Code 1681i procedure in case of disputed accuracy
Product: Money transfer, virtual currency, or money service

XX/XX/year> I used zelle to transfer {$600.00} to my sons mother. She had changed her number without notifying me so the money was sent to the wrong person. When I called customer service, they said there was nothing they could do, the money left your account, ect. After doing research, there is no disclosures or warnings alerting you that if a mistake is made, there are no refunds and nothing they will do to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identied inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me 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
Product: Credit reporting or other personal consumer reports

The company charged off this account, filed it on their taxes, and did not send me a XXXX so that I could write it off as income. They are still reporting it as a charge-off on my credit report, indicating that I owe the balance, but they took a tax break. I am about to sue you for statutory damages because this is fraud. 

Account name- XXXX XXXX Account number - XXXX Responsibility Individual Date opened XX/XX/XXXX Status- Closed. {$680.00} written off. 
Status updated - XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Monthly payment {$0.00} Original balance {$660.00} Terms XXXX XXXX Account name XXXX  Account number XXXX Date opened XX/XX/XXXX Status- Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance updated XX/XX/XXXX Terms XXXX XXXX On record until XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Utility Date opened XX/XX/XXXX Status-Account charged off. {$650.00} written off Status updated XXXX XXXX Balance {$650.00} Balance updated XX/XX/XXXX Terms XXXX XXXX On record until XX/XX/XXXX 2030
Product: Credit card or prepaid card

on XX/17 I transferred {$7000.00} to my usaa card under a promtional 0 % APR good through XXXX XXXX XXXX. I made cash advances after that and then paid the amount or more of those cash advances XXXX weeks after they were taken. Those payments should have went towards the cash advances per the credit card act over my minimum payments since they are 14 % apr vs the 0 % apr on the other balance. Usaa is saying that because they have written in their credit card agreement that promotional rates are payed off before all other charges that they can ignore the credit card act. breaking federal law and are still charging me interest on my cash advances while my payments have been going to the original XXXX interest free amount instead of the cash advances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to Contact Bank of America over a dozen times regarding my previous account. I never received a final bill or collection notice until they placed this on my credit report back in XXXX. I sent a check back in XXXX XXXX and paid the amount in full. I asked them to remove this from my report no response. They continue to place this on my credit report as FP ( Failed to Pay ). They will not respond via email or phone call. 
They have placed this on my account for past year and half Account Name BK OF AMER Account # XXXX Original Creditor - Company Sold - Account Type Secured Credit Card - Revolving Terms Date Opened XXXX XXXX, XXXX Account Status Closed Payment Status Charge-off Status Updated XXXX XXXX, XXXX Balance - {$500.00}
Product: Debt collection

Hospital did not take my insurance at the time of service. I tried to give the insurance to them since but to no help at all. Ive spoke to many supervisors and made many calls to them. They said they would apply my insurance card, confirmed it was an error on their part and all but they never correct the matter. Calls result in me having someone to say the debt was corrected for XXXX XXXX but it is not removed from all 3 Credit agencies. This is negatively having effects on me when I have tried to speak to them, hours on the phone and they say, The error was corrected but the collection company did nothing to stop posting the false charge, that my insurance took and is not removed in spite of what so many of them say. 1 of 2 separate accounts or charges they have from me that is not fixed. I will file the next report next. I dont know if it is the hospital thats not doing their part and updating or the collection agency whos illegally still trying to collect on a debt the hospital already moved from their collection company. Either way. It needs to be fixed and removed from all 3 of my credit reports as Ive tried, severally to rectify the matter with XXXX XXXX, up to submitting my insurance information to a supervisor, more than 3 times.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, fraud, or unauthorized activity. I request that you provide verifiable proof, including my signature or electronic signature, for any reported accounts or inquiries. This letter is submitted by me personally, not by a third party, and I ask that you review it carefully. 

I did not authorize any actions related to these accounts or inquiries, and I believe they represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, Section 605B addresses the blocking of information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 covers permissible purposes for consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies responsible for reporting these accounts, I discovered that these actions were initiated without proper validation or original proof from the reporting entities. Since I never authorized these accounts or inquiries, they are inaccurate and should be considered the result of a data breach or improper reporting by creditors or third-party data furnishers. 

I request that these items be thoroughly investigated and removed from my credit report. If you are unable to provide the necessary proof of authorization, I expect these entries to be corrected in accordance with the law. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a dispute in regards of the inaccurate items on my credit report it has been well over 30 days and i haven't received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number is XXXX date of birth XXXX. My complaint on my experian credit report theirs are XXXX negative items that are charged off they supported to be removed from my experian credit report I filed a federal trade commission identity theft the XXXX negative items supposed to be removed fortiva off my report along with other negative item. Please have experian remove these items
Product: Credit reporting or other personal consumer reports

Please see supporting documents pertaining to XXXX XXXX BREACH
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX BANK In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated the accounts listed at the top of this complaint were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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.

According to the law 15 U.S. Code 1681I- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

Our phones and computer were hacked, resulting in an unauthorized user taking over {$16000.00} from our checking and savings accounts. Chase Bank in XXXX, Michigan has accused us of letting it happen, and they are not being cooperative in helping us get our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem where the original creditor and the collection agency are reporting the same balances on all three credit bureaus. XXXX XXXX-XXXX XXXX Account # XXXX** for the amount of {$1100.00}, XXXX XXXX-XXXX  Account # XXXX*** for the amount of {$1300.00}, and XXXX XXXX-XXXX XXXX Account # XXXX for the amount of {$1100.00} was sold to XXXX XXXX XXXX collection agency under the same account numbers and balances owed. Both the original creditor and collection agency are still reporting this information to all 3 credit bureaus and the credit bureaus continue to report this knowing that under the FCRA, if a creditor sells a debt to collections, then it can not continue to report a balance owed. 

Additionally, I previously requested that XXXX XXXX validate this debt they claim I owe and I never received validation confirmation. 

I have also sent letters to all three bureaus twice disputing this same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS PROCESS HAS CAUSED ME EXTREME STRESS IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID TRANSUNION, XXXX NOR XXXX WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$10000.00} XXXX XXXX XXXX  XXXX - {$0.00} XXXX XXXX XXXX  XXXX - {$0.00} TXXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$9900.00} XXXX XXXX XXXX - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report on line. There is a XXXX XXXXXXXX XXXX XXXX  XXXX XXXX listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both informed emphatically that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Namely, for any public record to be included on a credit report, it has to satisfy the following criteria : The public record has to contain, at minimum, the consumer 's name, address, plus a Social Security number or date of birth. Those requirements are not included on the report thus this item must be removed immediately.
Product: Student loan

Im applying for XXXX XXXX XXXX XXXX Loan forgiveness and need a pdf of my payment history. Id requested the payment history and submitted it in a word document format, but then was informed it needed to be submitted as a pdf by XX/XX/XXXX. I called my loan servicer on XX/XX/XXXX to request this. I was instructed to try saving the website as a pdf, but that didnt work. I called again and was told it could be done but would take longer to process, that it could be ready XX/XX/XXXX. I repeated this to confirm since it was the same as my due date. Today is XX/XX/XXXX and by the time I finished work, I still hadnt received the pdf so I called again. I was told that getting it as a pdf is never possible and thatwhile they could see both phone calls from XX/XX/XXXX, no action was taken after the second XX/XX/XXXX call. Furthermore the most they will do for me is review the calls and provide further training to anyone who misinformed me, they will not do anything to compensate me for {$20000.00} in loan repayment if this means my application can not be accepted.
Product: Credit reporting or other personal consumer reports

Requested that TRANSUNION update my consumer report to show ONLY 1 NAME, DOB, AND ADDRESS THAT SHOULD BE ON MY CONSUMER REPORT. should show as presented below. They currently housing more than 3 variations of my name and address and they are all inaccurate.
Product: Checking or savings account

I was called by a Wells Fargo fraud department phone number stating my account was showing rejecting a potential fraudulent withdrawal. They asked if it was me. I said no i didnt try to withdraw money. They said theyd text me a verification code which i confirmed. They did it one more time. I verified. They hung up. I called the bank back and they said they had no record of the call but mentioned a call into an automated system to increase my withdrawal limit. I told the bank this was NOT me. They asked if i wanted to not allow permissions to the automated systems which i said absolutely remove that. They asked if i had my card which i did. They asked if i withdrew XXXX today from an ATM and i did not. They entered a claim which came back as not covered and they accused me of withdrawing the money or allowing someone else to. Im severely disappointed in their lack of security for my money and willingness to protect it when its in jeopardy.
Product: Checking or savings account

I LIVE AT THE HOMELESS SHELTER DOWNTOWN, A FEW DAYS AGO SOMEBODY STOLE BAG WITH MY DEBIT CARD AND A LOT OF MY PERSONAL BELONGINGS. 

I NEED HELP BECAUSE MY MONEY IS GONE, AND THE BANK SAYS THERE CLOSING MY ACCOUNT FOR A FRAUDULENT CHECK SOME XXXX TRIED TO PUT IN MY ACCOUNT. 

I DONT EVEN KNOW HOW TO DEPOSIT A CHECK UNLESS ITS AT THE LIQUOR STORE. THIS IS JUST CRAZY. 

ON XX/XX/XXXX I GOT A LETTER SAYING THEY ARE CLOSING MY ACCOUNT. PLEASE SOMEBODY HELP ME!
Product: Student loan

I have had a student loan since XXXX. XXXX XXXX sold it to Navient. Navient never informed me of options for forgiveness. I have worked for a government agency for over 20 years and would have been eligible. When I accidentally heard of a potential program, I asked Navient they first informed me there was no program. The second time I asked they informed me there was. By the time I could identify that I was eligible given my employment, my salary was too high to qualify. 

Currently in an effort to speed up my loans I arranged with Navient to ensure I was up to date and enrolled in autopay as per their suggestion. They informed me that by enrolling in autopay I would reduce interest rates. However, after about a year my interests rates have not reduced. They are now informing me that due to an insufficient account several years ago I am ineligible always to have any interest rates reduction. They lied to me again.
Product: Mortgage

I have contacted Loan Care about payments I have made not being applied and they are now reporting late payments to the credit bureaus and are ruining my credit. I have contacted them multiple times and they have now applied my payments but not according to the dates I paid them. They will not issue me a letter or correct their false reporting to the 3 bureaus ( they said I have to send them my credit report to show them ). They are also not applying the payments I made correctly. They applied some to principal and not enough to escrow. I have been hung up or disconnected on the phone by them 3 times and they never have a supervisor there to speak to me.
Product: Mortgage

Escrow Account : My escrow balance is {$7600.00}. I received several tax bills and at first wasn't concerned knowing I have an escrow account. I was only concerned about the supplemental that I am responsible for outside of the annual taxes. Upon further investigation I realized that my taxes have not bee disbursed for the reassessed amount and the county is now charging a late fee. I will not pay this fee. It is the servicers responsibility to make sure those taxes are paid. I have made multiple attempts via phone to resolve this matter and by email. It is falling on deaf ears. It is the job of the servicing agent to make sure escrow accounts are disbursed correctly and timely. Being that I am experiencing this and I am in the business, it makes me question what other borrowers are a victim of this and how many have paid erroneous late fees because of poor accounting by this company. In addition I had initially paid the XXXX  as I knew it would be a supplemental later. Planet Mortgage sent a notice that they issued a refund. I have yet to receive this payment.