23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Incorrect information has been reported to the credit reporting bureaus and it is damaging my credit ratings. Moreover, the incorrect information is over 12 years old. 

Specialized Loan Servicing, LLC ( " SLS '' ) is a third party residential mortgage services provider. SLS serviced a mortgage I held on a house owned in XXXX, WA : A house I sold in XX/XX/2007. Sale of the house resulted in the full payoff of the loan SLS was servicing. This loan was paid off, in its entirety, in XX/XX/2007. Thus, there was no loan, no loan obligation, and no payment obligation after XX/XX/2007. 

In XX/XX/2007, one month after the loan was paid off, SLS reported a " late payment '' to the credit reporting bureaus. There were never any late payments -- I had never been late on any payment on the mortgage. This is troubling because SLS reported a late payment AFTER the loan had been paid off. Then, SLS reported the loan as 60 days late. This is a very damaging item on my creditor report : A report that has no other similar late payments. 

12 years have passed. Setting aside the factual inaccuracy of the alleged pate payment, SLS has refused to notify the credit reporting bureaus to remove this from my credit reports. This failure is despite my repeated attempts to notify them of this problem and multiple requests for their assistance to correct this error. 

SLS is taking affirmative and active steps to maintain the late payment on my credit report. It is very strange behavior, to be sure, but something I hope your organization can help me correct. 

NOTE : No money is owed -- there were never any late payments -- I complied with all terms and conditions of the mortgage. The loan was paid off in its entirety in XX/XX/2007.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. Thank you
Product: Credit reporting

I have XXXX accounts on my credit report that I have disputed repeatedly for just over a year now. I have provided proof from the creditors about the accounts and the errors that needed to be corrected. Each time I file the dispute with Equifax they come back saying that it has already been verified and has refused to make the correct changes according to the letters I have submitted to Equifax from the different creditors. The following is a list of the accounts with issues. I will also be attaching the documentation showing that these accounts should be corrected. If Equifax does not fix these accounts this time I will file a law suite against them for reporting false information and violating my rights under FCRA. 
1. XXXX XXXX XXXX # XXXX - this account was paid in full back in 2007. Was never a charge off. Also, this account is past the statute of limitations for repotting and must be deleted from my report. 
2.XXXX XXXX XXXX # XXXX - this dr office is balance billing for amount over my co-pay which I am not required to pay. I contacted them and they provided a letter that this was reported incorrectly and was to be removed from my credit report. I have attached the letter as proof that this account is to be deleted. This account is being falsely reported and is past the statue of limitations. It must be deleted. 
3. XXXX XXXX XXXX XXXX - this account was paid in full before being sent to collection. This company has repeatedly harassed me despite me providing them with proof that this account was paid in full prior to it being sent to them. I have filed several complaints and disputed this account as required. I have also provided proof that it was paid and never should have been reported. This account must be deleted. 
4.XXXX XXXX XXXX XXXX XXXX this account was paid by insurance company late due to the provider not filing the claim properly. I have a letter form this agency saying this account should have never been reported on my credit report and is being reported in error. Not to mention this account is also past the statue of limitations. It must be removed. 
4. XXXX - # XXXX - is reporting my account late. This account was never paid late as stated in the attached letter. These late payments reporting must be removed. 
I hope to finally get some results with the CFPB help. Every time I dispute, send, call Equifax with the documentation that this accounts are in error. I get the standard we investigated it and it is reporting correctly. How? can that be when I have proof that it is wrong.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate bankruptcy information that has been reported on my credit file. The bankruptcy reported is erroneous and can not be verified through reliable sources. I have diligently contacted Experian, XXXX, XXXX, XXXX, and XXXX to validate the bankruptcy they are reporting, and each has confirmed they received their information from the Bankruptcy Court. 

However, according to the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX, they explicitly state they do not report information to any XXXXredit reporting agency, as they lack jurisdiction over such reporting activities. This discrepancy indicates that the bankruptcy on my credit report is not valid and violates the Fair Credit Reporting Act ( FCRA ).

I am enclosing a link to the U.S. Bankruptcy Court 's statement verifying they do not report or validate any information to credit reporting agencies, as instructed by their customer service, to support my dispute. Therefore, the information on my credit reports did not originate from the U.S. Bankruptcy Court and can not be validated through legitimate sources.

https : XXXX
Product: Mortgage

I have been arguing with Bayview Loan Servicing company since they took over my loan. Most of the issues are regarding payments being recorded to account late. Until now I have been making electronic payments through my checking account. For months they have been adding small fees here and there. The representatives at Bayview I have spoken with have been rude and in most cases unable to accommodate my requests. When I question charges they often times do n't understand the codes are fees. Recently, finally, I was able to receive a detailed statement going back to when they took over the loan. It is so confusing I have no idea what they are charging me. My account has been in good standing all along and this company 's representatives feel they are in the right even when they ca n't explain what they are doing. Most recently I was told fees would be credited if I agreed to sign up for their automatic bill pay 2 months ago. I have yet to see past fees credited. Now I see new unpaid fees. 
Where do I get answers? 
If there is anything you could do to help me find out what I am being charged and what the fees are I would appreciate it. 
Why are they charging all these fees? 
Did I agree to it? Are they within their rights? 
This is the worst lender I have ever dealt with in my life. I feel they are not being transparent. 
Thank You, XXXX XXXX
Product: Debt collection

I have a a unverified account from CMI # XXXX. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request CMI that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

Wells Fargo is currently blocking my request for a loan modification and forbearance. My application for a loan modification is not being reviewed per Consumer Rights Under CFPB, Dodd-Frank, and RESPA Consumer Rights.
Product: Mortgage

I recently paid off my mortgage with Citizens - XXXX balance. No issues there. Then I accidently sent another large payment of $ XXXX ( intended for another mortgage ) to Citizens on XX/XX/XXXX. After realizing my error two days later I called Citizens to notify them and understand their procedure. I was told that since the balance was XXXX, they would be mailing the check back to me. Instead deposited the check on XX/XX/XXXX and posted it to the account under suspense. On XX/XX/XXXX they XXXX  out the account again. After multiple calls with no answers, I was told they put it in the mail on the XXXX. It is now XX/XX/XXXX and once again, no check in the mail. After multiple ADDITIONAL calls I still do not have my money. It's not posted to the account, it's not in the mail, it's nowhere and Citizens will not help me. They've put me on hold, they have hung up on me, they have told me a manager would call me back, they have told me its in the mail, etc. This is absurd. No one will help me and the will not give back my money- they have kept it for 19 days so far. Keep in mind, the mortgage was PAID OFF!
Product: Checking or savings account

Step 1 : What is this complaint about? 
fraud or discrimination or both Step 2 : What type of problem are you having? 
bank asking for personal information, ssn, when making a deposit Step 3 : What happened? 
XX/XX/2018 I went into usbank to deposit money into my sisters account. 
The teller said he needed my ID and I can only deposit upto XXXX. I gave him my ID and XXXX. He started inputting info into his computer. Then he asks me for my social security number. I asked why, he said it was their policy. I didnt understand this, as he already had my drivers licenes. So I called my sister to tell her what her bank was asking for and that I am not going to give it to them. While on the phone with my sister he then asks for my annual income and occupation. I said I am only making a deposit, I am not asking for anything else. The bank teller said it was policy. I then took my money and left. 
I feel as if the bank teller was either being discriminative or he was tring to open some kind of fraudlent account. 
A couple days later I contacted usbank on XXXX, I asked what their policy was on a non accouny holder depositing money for an account holder. They replied, I would have needed the acctount number, which I had, and that it can be upto XXXX. 
I then replied to them what happened at one of their branches. They then changed their story and said that the teller can ask for anything they want. 
My sisters called the customer service line and were told that the teller should not ask for any of that information when someone is making a deposit and to call the local branch. 
So here I am, writing a complaint hoping something will be done about this bank treating people like they are criminals or being a criminal them selves and getting away with it. 

Step 4 : What company is this complaint about? 
usbank
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts listed below must be removed ( CHRYSLER CAPITAL ) XX/XX/2022. 
XX/XX/2022. 
XX/XX/2022 COMPANY WAS NOTIFIED THIS WAS A FRAUDULENT ACTIVITY XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : CHRYSLER CAPITAL ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : CHRYSLER CAPITAL ACCOUNT NUMBER : XXXX This account as been notified as a fraudulent account that and opened falsely under my name. i have no supporting documents saying i owe this debt or account- NO SIGNED COPIES
Product: Checking or savings account

On XX/XX/XXXX, I opened a Citizens Access savings account to take advantage of the 4.5 % interest rate they were offering on their website. I initially had some trouble linking my external XXXX savings account and transferring funds from my XXXX account to the Citizens account. When I attempted to transfer {$5000.00} from my XXXX savings to the Citizens Access savings account, the funds did not show up in my account and their was no record of them under the Schduled Transfers tab. I was concerned so I attempted to contact Citizens through their customer support line. I waited on hold for over 30 mins and no one picked up. I decided at that point that I wasnt comfortable banking with an online bank that had unreliable customer service. I felt relieved that the funds had not transferred. 

However, the next day, I noticed that the {$5000.00} had been deducted from my XXXX XXXX. I called Citizens customer support line again and this time waited close to an hour until someone finally answered. She told me that the funds would take 5 business days to clear in the Citizens account. I decided I would wait the 5 days and then, once they had cleared, I would move the funds back to my XXXX XXXX, then close out the Citizens Access account and take my business to a more reliable bank. 

On XX/XX/XXXX, the funds finally cleared on the Citizens Access account and were available for transfer. I transferred the {$5000.00} back to my XXXX XXXX account and immediately got a text message from Citizens saying that the transfer was not being processed and that I should call the number provided. I called the number and waited on hold for someone to pick up. She said that my account was being reviewed. I asked her why and she said that she couldnt provide me with that information. I asked her how long the investigation would take and she said that she couldnt provide me with that information. I asked her how long Citizens could deny me access to my hard earned savings and she said that she couldnt provide me with that information. I asked to speak to her manager and asked her the same questions and got the same response each time. 

On XX/XX/XXXX, I called Citizens again to inquire about the progress that was being made on reviewing my account and she refused to give me any information other than that the account was still under review. Citizens has not asked me any questions to help with the investigation. No one from the bank has attempted to contact me to acquire any information that would assist in reviewing my savings account. No one has provided me with a reason my account is being reviewed or given me a timeline as to when Ill regain access to my own money. 

Is this legal? Can you please assist me in accessing my own money so I can part ways with this unethical bank? Thanks in advance for any assistance you can provide.
Product: Money transfer, virtual currency, or money service

Gemini trust company LLC, they state the following of what I read from their response : ( On XX/XX/2021, Gemini provided Mr. XXXX with additional guidance on what was required from the customer before lifting the restriction on his account. Mr. XXXX has yet to respond to this inquiry. )/ The only reason why it could be is because I have never received any notice from them on the date that they are saying. I have been sending them from their platform, XXXX, XXXX, XXXX XXXX I even sent respectfully a XXXX to Mr. XXXX XXXX hopefully seeing a change in my case however I continue struggling with frustration. I would like to know if they required extra info about me. Although, they have the sufficient information about me that I don't see why their delay is endless. I hope after this letter we can get in touch promptly and fix this matter the best way possible which is to let me get access to my account like I was before and continue as a loyal customer of Gemini trust company LLC.
Product: Debt collection

Consumer and XXXX XXXX XXXX were involved in an ongoing dispute regarding the underlying credit card account. In or around XX/XX/2018, consumer and XXXX XXXX XXXX engaged in settlement negotiations to resolve the dispute. In a letter dated XX/XX/2018, consumer agreed to settle the dispute. On XX/XX/2018, XXXX XXXX XXXX confirmed the settlement agreement and accepted the agreed-upon settlement amount noted satisfaction in full. Between XX/XX/2018 and XX/XX/2018, consumer heard nothing more from XXXX XXXX XXXX  and XXXX XXXX XXXX sent no further correspondence of any kind. Moreover, no more collection efforts were evident. 
XXXX XXXX XXXX sent consumer a letter dated XX/XX/2018 indicating that the debt had been " charged off '' on XX/XX/2018 and sold to another company called XXXX XXXX XXXX XXXX. Despite the settlement agreement, XXXX XXXX XXXX   continues to report the matter negatively to the credit bureaus. Consumer  contacted XXXX XXXX XXXX to honor the agreement, which required that the matter be reported as settled in full/ satisifaction in full. XXXX XXXX XXXX did not respond and instead continued to report the matter negatively. 
Documentation, to include settlement correspondence and a deposited check, verifies the settlement agreement.
Product: Mortgage

In XX/XX/XXXX, my wife and I signed a Home Equity Loan ( HEL ) with PNC Bank. We began to make our normal monthly payments per the agreement. In XX/XX/XXXX, I decided to make extra payments to the HEL. I made our normal monthly payment for XX/XX/XXXX ( on  XX/XX/XXXX ). I then initiated an additional payment on XX/XX/XXXX for {$1100.00}. 

At time of my submission, I noticed a check box asking if I wanted the funds to go toward the principle only. I left the box unchecked indicating that I wished this payment to go toward future payment due dates in order that the next due date of the loan would be pushed out one month. When this transaction was completed in the system, I saw that the due date had indeed moved forward one month ( the next due date for the loan had changed to XX/XX/XXXX - the extra payment did indeed go toward the XX/XX/XXXX payment. I then initiated another payment on this loan on XX/XX/XXXX for {$1100.00} following the same process as before ( which would go toward the XX/XX/XXXX payment ). After the transaction was completed in the system, I saw the next due date change to XX/XX/XXXX. 

I then continued to pay the HEL each month ( paying the XX/XX/XXXX charge on XX/XX/XXXX and the XX/XX/XXXX charge on XX/XX/XXXX ) and noticed that the due date continued to be pushed out two months ( taking into account the fact that I paid two extra months of payments in XX/XX/XXXX ). I then decided to make an additional payment on  XX/XX/XXXX for {$1100.00} which allowed the next due date to be pushed out one more month ( making the next payment due date XX/XX/XXXX ). I have continued to make regular payments on the HEL since this time and saw the due date remain three months in the future. Then in the spring of XXXX, I received communication from PNC that they were going to be upgrading their systems. The system was upgraded and I did not think any further on this until XX/XX/XXXX when I noticed that the due date had reset and I no longer had the three-month buffer in the due date. I contacted PNC at this time in an attempt to have the three-month buffer on the due date re-established. I was informed by PNC that with the new system that I would no longer be able to push the due date out as I had in the past. I have attempted to remedy this issue multiple times since via phone and meeting with a person at our local PNC branch ( including submitting an escalation twice ). I do not remember seeing anything in my original agreement stating that I could not make advanced payments and, I was able to make these payments multiple times until the new system update in the Spring of XXXX. Now I am being told that my advanced payments are no longer valid. 

We Have talked to six different agents in an attempt to resolve the issue but without success so feel the need to issue a formal complaint with Consumer Financial Protection Bureau.
Product: Checking or savings account

I had college checking account with Chase. I lost my debit card on XXXX XXXX and didn't notice until Monday when I got an email from Chase that a cheque was deposited in the account of XXXX dollars and few other small transactions for which I was not aware of. I immediately went to the XXXX Branch in person and report about my lost Debit Card which I didn't found in my wallet after getting the email. The didn't talk and didn't disclose anything to me without giving me an opportunity to speak and shut down my account. 

Then again I went to my local branch where I opened the account initially and got the same response. I called Chase Bank twice on Tuesday ie. XXXX and one of the representative said that I can go back and open a new account. They did open but again closed by their back office. 

I am a victim of scam as somebody hacked my account information and Chase has treated me unfairly not letting me open a new account. kindly help as Chase is not helpful at all. I am a student who recently opened an account with Chase and it was my first bank account.
Product: Checking or savings account

In late XX/XX/XXXX I delivered to Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, Florida XXXX my brothers debit card and Florida death certificate as notification of his death on XXXX. I requested they close the account and was assured by the bank representative that the account would be placed on hold. Upon being legally entitled to his bank records in XX/XX/XXXX I discovered that no " hold '' was placed on the account and 10 % of the account balance had been drained via auto draft for XXXX subscription and XXXX XXXX membership. I contacted the dispute section of Fifth Third but was told they couldn't discuss the account with me. However, I was able to go to another Fifth Third branch and get the account placed on hold effective XX/XX/XXXX and told that the original branch should have placed the hold! I tried contacting XXXX and XXXX but I didn't have sufficient info to identify or access his accounts and told by each to speak to the bank. 
The bank has been uncooperative and I believe they need to rectify this situation by crediting all withdrawals from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit card or prepaid card

Discover Card closed my account due to two payments being returned and their inability to verify my identity. The payments were returned because the linked bank account was compromised from a lost debit card. I have always made all of my payments on time and have never had a late payment. Even after Discover account is close, I continued to make on time payments and the balance on the account is {$0.00}. As a service member, we sometimes do not get communication that our accounts may be compromised. 

Discover Card inability to verify my identity is because my address is a U.S. XXXX XXXX  Address for XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Residential Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I've been based overseas for years. If Discover Card is treating me like this, I can only imagine how they are treating other Service Members that resides XXXX I strongly recommend CFPB look into Discover Card practices.