23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a problem with the holder of my mortgage loan, Fay Servicing. My name is XXXX XXXX, I am the surviving spouse and rightful owner of my home located at XXXX XXXX XXXX in XXXX, NJ. I am currently delinquent on my mortgage loan and have been attempting to get Fay Servicing to work with me towards a solution so I can save the house. My XXXX XXXX has had a couple of bad years which put me in a tough spot financially and my wife passed away as well. At this time I am approximately {$22000.00} behind on my loan. I have tried to get Fay Servicing to work with me towards a modification so that I can save my home, but am unable to gain any traction. I have been led to believe that since I received help with a modification in the past ( 5 years ago ) that there is no help available. I know that there are programs and options available and want to know why Fay Servicing is not considering me for any of these programs. My financial situation has stabilized and improved and I am able to afford a fair payment, but cant come up with the full {$22000.00} to reinstate the loan. This house has been in my wifes family for decades and I dont want to lose it. We bought the home and put it in our name in XX/XX/XXXX and had no problem making our payments until XX/XX/XXXX when I was hurt in an accident and XXXX XXXX XXXX. I was out of work for 2 months and my wifes income was not sufficient to keep up with the bills. We fell behind and reached out to our lender at the time, XXXX XXXX. They were very helpful and we were able to get our loan modified to an affordable payment in XX/XX/XXXX. My XXXX XXXX hit a rough patch in XX/XX/XXXX. I have worked as a XXXX for 40 years and it is my family business, but XX/XX/XXXX was one of the worst years ever. At the same time my wife was having a lot of health issues and we defaulted on our mortgage payment. Then my wife passed. It took quite some time to regroup and handle the business affairs as well as getting back on my feet emotionally. I have tried to get Fay Servicing to work with me towards a new modification or restructured loan but have not made any progress. They have not assigned my case to an account manager, they have not reviewed my current financial information, and seem to not understand the hardship that I have recently endured. As explained, my XXXX XXXX is doing well and is stableI am also going to be receiving some SSI benefits from my wife as well. I have had a change in my financial situation and can afford a fair payment. The issue is that the lender agents only give me the option of repaying all the missed payments at one time. I do not have {$22000.00} to pay them, but if they would work with me I can resume making regular payments and we can resolve this situation.
Product: Credit reporting or other personal consumer reports

I am having problems logging into Equifax 's website to manage my credit freeze. Even though I was able to successfully login at one point. It has kicked me out and I haven't been able to get back in. And trying to reach a customer service representative is even worse.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX. Bank of America EDD had closed my account because of " fraudulent activity. '' I contacted XXXX and they verified my identity and resolved other things but Bank of America is still not opening my account. I contacted both XXXX and Bank of America XXXX XXXX over the last few months but neither party was able to help me resolve this problem. My funds are there but I can not access it. When I talk to XXXX about reopening my account, they direct me to Bank of America and when I talk to Bank of America, they either tell me there's nothing they can do and that it's " strange '' that account is still closed or direct me to XXXX. I have been in this loop for months now. I have hour-long phone conversations recorded where both parties fail to resolve this issue of reopening my account and I am ready to take legal action. 


XXXX XXXX
Product: Debt or credit management

I started a debt consolidation program with Lakeview law group in XXXX of XXXX. At the time i signed up for the program I was informed that it could take up to three months to get all of my account in negotiations. I was lead to believe that all of my account would be negotiated at least 15 % from the original balance or i would be refunded a prorated amount of the fees charged up to the 15 % n difference, 13/14 months into the program i reached out as i noticed my two largest accounts were still not in negotiations given that the are a law firm i was no longer contacted by the creditors because i had 'retained ' the company for their services i was not aware that they were still not in repayment. prior to this i was not behind or late on any payments, just overwhelmed paying minimum balances. As of the last date i checked my balances not one account had been negotiated down the 15 % i was lead to expect. it was also not properly disclosed that in additional to a large monthly fee i was to pay a 'service fee ' every time they made a payment to each account in my profile which could be up to 8x a month. at that point just about half of my payment was going to them in fees while my two largest debts sat idle for going on two years.
Product: Debt collection

XXXX21 Navient or someone they hired called my girlfriend 's parents. XXXX XXXX and XXXX XXXX. Both of them and provided information enough for them to know it was an attempt to collect a debt on behalf of Navient. I am not sure why they call random people when I have confirmed my number and address multiple times. 
I have made offers how to settle the debt, but the company says they do not have the authority. I quit taking their calls.
Product: Debt collection

Aldous and Associates shows due amount. Accounts have been paid and should be deleted now.
Product: Money transfer, virtual currency, or money service

on the XXXX of XXXX i have sent {$600.00} using moneygram and the choose the option for the money to be deposited on my brother 's mobile in XXXX because it should of take less time the money is for an emergency but until today they have not deposited the money and i have been contacting them but no straight answer but just some run around same o same answer reference
Product: Debt collection

I joined XXXX XXXX  gym in XX/XX/2018. When joining I asked about a specific clause in the membership agreement that allowed for cancellation if you moved 25 miles from the gym. The representative, I believe his name was XXXX ( but not the XXXX that owns the gym ) ensured me that this was accurate. I moved ~30 miles from the gym in XXXX. I followed the cancellation policy and certified mailed my proof of address to the 3rd party billing company, NAC. NAC contacted me a few weeks later and said that my request for cancellation was declined because I had not moved 25 miles from my previous address, just from the gym. I wouldn't have signed up had I not been explicitly told contradictory terms. I was told that they are merely the billing company and to essentially take it up with the gym. So I took it up with the owner of the gym. He signed a termination agreement which I forwarded on to NAC. They refused to accept it by stating that XXXX XXXX was not the contract holder. Over the course of our correspondence, I have received an email stating that they ( NAC ) are not the contract holder nor is the gym itself and thus I am unable to cancel my agreement. They refuse to tell me who I supposedly have a contract with. As you will see on the attached membership agreement, I did not willfully enter into any agreement with any person or company other than XXXX XXXX and NAC.
Product: Checking or savings account

I contacted Ally Financial to withdraw the funds from my account on the evening of XX/XX/XXXX. They told me my savings account was placed in a " dormant '' status since I hadn't added funds to it even though they never notified me about this status change or what I could do to prevent that from occurring. I then told them to close my account and withdraw the funds from my saving account to my linked XXXX XXXX XXXX. They told me that it would take XXXX - XXXX business days to close the account and transfer my funds. 

I contacted Ally again on XX/XX/XXXX and they said the transfer was in process. When I contacted them again on XX/XX/XXXX, they said there was a mistake and they failed to transfer my funds. They promised to escalate this issue and provide me an update on the XXXX. Since I didn't receive an update, I contacted them again on the XXXX. They said the account closure and fraud teams had outstanding questions which was preventing the transfer even though they didn't ask me any questions. Since the money was being transferred to the same bank account that was used to transfer funds into the account in XXXX, there should be minimal fraud concerns. Again they promised to respond to me later that day with an update. 

Since I again failed to receive an update, I contacted them again on the XXXX. They said the fraud review was completed but still didn't know when my funds would be transferred to my bank account. Repeated requests to escalate this issue and/or speak with a XXXX who could resolve this issue were refused. 

The absolutely horrible service that Ally delivered should be a warning to everyone never to use their service since there are many other financial institutions who provide better saving deposit rates with much better service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax provided my credit information to XXXX without my verbal or written permission in XX/XX/2017 resulting in a hard inquiry. I contacted XXXX / XXXX numerous times and staff told me someone would call me back and never did. This went back and forth for over a month last year and I finally just gave up.
Product: Student loan

After graduating from XXXX School in 2005, I attended XXXX University. During my tenure as a student, I acquired significant private student loan debts ( mostly through Sallie Mae, now Navient ) to try to stay afloat. I was not able to secure much federal aid due to my parent still claiming me as a dependent. I did not end up attaining a degree from XXXX University nor have I since entered a career space based on my studies there ( XXXX XXXX ). I was never living some high life with a new car or a nice place to live. 

After dropping out of XXXX due to financial reasons -- looming student loan debts with no means to secure enough educational funding to continue -- I eventually entered the workforce via the best means available to me without a degree. Despite having steady, salaried work for years ( 30-45k per  year ), I could not make a dent in my loan debts being barely able to afford the monthly minimums on top of basic needs ( food, shelter, transportation ). There were multiple times after I lost my most recent job ( XXXX ) and I returned to school, that forbearance was offered to me as an escape from default. 

Currently, I am an a better financial position in a secure, degreed career path. However, the private loans still loom in greater amounts than ever before. I'll be able to scrape and scrounge to try pay them back in the next 10-15 years while any chance of owning a home or moving forward in life before turning XXXX quickly vanishes.
Product: Payday loan, title loan, or personal loan

I had a home improvement loan for a brand new furnace and heat pump. It was for {$11000.00}, And I paid it off early and did not get a refund of my interest. My interest cost were {$3500.00}, and they did not refund the money. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MB XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I wrote a letter to Kohls, Capital One XXXX. Requesting to have my late history during a State of an Emergency XXXX removed is what the Federal Government put in place. I m not asking you to lie. I am asking you to oblige : Under the Credit Protections Under the Coronavirus CARES When Federal Law Prohibits Negative Credit Reporting The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Their response is they can not report inaccurate information.. My response back to them is providing them information regarding the Credit Protections Under the Coronavirus CARES.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I learned that there are some accounts that are not mine, nor are some of the addresses I have lived out.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my PayPal account was permanently limited in which I was then unable to withdraw, send or use my PayPal Cash Balance, which is supposed to be backed by the FDIC, as I was issued a PayPal Cash Debit Mastercard. At the time the limitation was imposed, my balance totaled {$81.00} that came from a combination of 3 transactions in the amounts of {$36.00}, {$39.00} and {$5.00}. The first two transactions were directly from my family and the 3rd transaction came from a XXXX Rewards Manufacturer Rebate. A screenshot of the transactions will be listed to this complaint. After submitting the requested transaction information as well as proof of identification, PayPal began the verification process which I was told would last upwards of 5 business days. At the end of the investigation I was simply told I could no longer do business with PayPal and that was it. There was no specific reason just a computer generated response. Im hoping you can help me regain access to my account, and money, as Ive heard this has been happening much more frequently during the pandemic and PayPal should be held accountable to communicate clearly with their users on the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX of inquiry XX/XX/2020 XXXX  XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Product: Consumer Loan

I was shocked when I reviewed my credit report and found several late payments on the dates below : 30 days past due as XXXX 2011
Product: Mortgage

After reaching out to the servicer yet again for a status update on the cancellation of the prepaid PMI it appears that their systems are so reckless that they apparently have no idea what I am talking about even though : ( a ) in Complaint XXXX ( attached ) they told me and the CFPB that they had initiated the process to allow us to have the prepaid PMI cancelled and refunded ; ( b ) they ordered the BPO which demonstrated we have enough equity to cancel the PMI ; and ( c ) there have been multiple CFPB complaints about this issue. 
This servicer replied yesterday ( XXXX XXXX ID : XXXX ) saying : Thank you for your inquiry. Our records do not reflect the account having BPMI, and no disbursements out of the escrow account in the last XXXX years. It is our pleasure to assist you. '' We know there is no PMI being paid out of escrow. This is about a prepaid policy that can be cancelled and proportionally refunded. How is that so difficult to understand? 

This servicer should not be allowed to service the loans of federally-backed XXXX XXXX XXXX XXXX They just take money while being incapable of doing anything remotely different or complex.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Product: Credit reporting or other personal consumer reports

I FOUND FRAUDULENT ACTIVITY ON MY CREDIT REPORT COMPANY NAME : XXXX, ACCOUNT # XXXX, AMOUNT : {$540.00}, DATE : XX/XX/year> AND I ALSO GOT 2 HARD INQUIRES ON MY CREDIT REPORT XXXXXXXX XXXX XXXX XXXX DATES : XX/XX/year> & XX/XX/year>XXXX XXXX
Product: Debt collection

Failure to provide the address to which written disputes regarding underlying validity of the debt must be transmitted. Failure to provide accurate information regarding to which federal agency complaints could be lodged.
Product: Debt collection

Collection agency XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Creditor : Bank of the West XXXX Account # XXXX My complaint is both against Bank of the West and XXXX XXXX XXXX XXXX I orginally had a checking account with Bank of the West. Two overdraft payments were made of behalf ( not authorizied by me ), I was subsequently charged two overdfraft fees. I was paying off this debt to Bank of the West by electronically depositing funds to my account. Bank of the West was not charging me any interest or additional fees. I was able to pay most of the debt with the exception of the overdraft fees and approxiametly {$40.00}. Bank of the West stop accepting my deposits and turned the account over to XXXX XXXX XXXX XXXX and this company proceeds to charge me a 9.00 % annual interest. Also I'm currently in XXXX XXXX  bankruptcy.
Product: Money transfer, virtual currency, or money service

During the night of XX/XX/XXXX somebody took control of a dormant XXXX account and ordered {$64.00} using a " payment agreement '' connecting that account to PayPal. The existence of this agreement with PayPal was not properly disclosed to me by PayPal. 

I was in XXXX at the time ( returned the next day, boarding pass available upon request and sent to XXXX ). 

PayPal summarily dismissed my case. Saying that it met my prior purchase patterns. Not true, I may have ordered 4 times total from XXXX since 2017, when this payment agreement was supposedly established. I also complained to XXXX and said they will investigate. 

My complaint is against Paypal for two reasons : 1. Not properly disclosing existing, old payments agreements that are a real danger like in this case, and 2. For not properly investigating when they claim they offer " fraud protection ''. I haven't used XXXX in years, and suddenly a charge appears and within minutes the hacker tries to take control of my XXXX account by changing the email ( I fortunately immediately catched that and cancelled my XXXX account ). PayPal 's fraud protection claim is misleading advertising.
Product: Debt collection

I had a credit card debt with bank of America, this debt was written off on XXXX/XXXX/2009, somehow a XXXX Ohio got the debt, they took me to court and got a judgement even though I sent all paperwork back, including a copy of my ssXXXX, now they send a XXXX XXXX police officer to my home threatening to sell items from my home, my bank account, car. claiming I owe XXXX which is mainly court cost and paperwork, interest, how can there be interest on a debt that was written off 7 years ago per bank of America .harassment from this law firm has gone on now 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made monthly payments on a car that was totaled and mostly paid off by my insurance shortly after purchasing. I contacted the financing company prior to the final payment that was due where I was informed that they were still charging interest on a vehicle that no longer existed and would receive a large refund and did not owe the final payment. This was XX/XX/2019. In XXXX of 2019 a very rude woman called me from a collection agency demanding I pay the final payment, I attempted to explain to her that I did not owe it and XXXX owed me XXXX she insisted I tell her where the vehicle was, which I stated in a junk yard somewhere now owned by XXXX as it was totaled a year prior, she was beyond ridiculous insisting I stole a destroyed car. I then called XXXX who apologized and said they would handle the situation. About a week later I received a check in the mail for approximately {$1400.00} from XXXX for the extra $ I had overpaid them over the remainder of the car loan. They are still reporting that final payment was 30 days late, when obviously it was not. 

I need this lifted from my credit asap, it has been affecting my abilities to raise my credit score, my abilities to re-finance my new vehicle and more. Im tired of paying a price for something I did not do. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

a collection was charged off in XXXX XXXX XXXX  not originally opened by me went delinquent in XXXX XXXX  90 days Its been over four years delinquent another company bought it and is calling my phone sending me fake court letters in mail which mentally im sick i feel like its intimidating knowing they cant do it i want to sue them for using false tactics to scare people Delete it
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX AND XXXX has violated my rights.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt