23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on this account MAJR FINANCL XXXX on XX/XX/2019. I alwas pay on time.
Product: Mortgage

1 ) CONTACT, LOAN OWNER We have sent 5 Requests for Information, since XX/XX/XXXX, to SN Servicing asking for name, address, and telephone number of who owns your loan. They deny us a contact name, and have provided three different address in Texas, Arizona and Delaware, no contact person. 


2 ) COVID-19 FORBEARANCE Our loan falls under federal protections, but SN Servicing Ms. XXXX XXXX XXXX has denied extending our Covid-19 forbearance, despite fact that our mortgage falls under XXXX XXXX XXXX agreement with XXXX XXXX, so they are violating the PSA agreement associated with our mortgage. 

3 ) FPI - SN Servicing Ms. XXXX XXXX imposed Forced Place Insurance last year, and never advised us? they sent notice to a wrong address, with court advised them was wrong address. 

4 ) LOAN MOD ESCROW - Our loan mod contract clearly states, and it was confirmed at settlement conference by SN Servicing attorney that we pay escrow for property taxes to SN Servicing and they pay taxes. They are escrowing taxes, we are paying them, but they are not paying them to authorities. Several lawyers and the court mediator confirmed this, but SN Servicing is collecting property taxes form us, but not paying them to authorities. 

Our investor/ loan owner is obligated to provide federal protections for Covid 19 forbearance due to their PSA.
Product: Money transfer, virtual currency, or money service

I have an account with Venmo. They advertise that you can " get your paycheck up to two days early '' by using direct deposit to your Venmo account. I fell for this an allocated {$1300.00} of my pay to go directly to my venmo debit account. 

On XX/XX/21, I attempted to transfer these funds to my bank account using their instant transfer feature. The transfer was declined repeatedly and they suggested that I use their " regular transfer '' which takes " 1-3 business days ''. In effect, instead of getting my funds 2 days early, I would get my funds 3 days late. 

I then went to an ATM to withdraw money from my Venmo debit card. The daily limit is {$400.00}. It was declined by the card issuer ( per the message on the XXXX XXXX ATM screen ). Venmo still debited my account for these funds. 

I called the ATM operator and on the same day they sent the funds back to my Venmo account via the XXXX XXXX. Venmo has yet to credit my account with these funds. 

I have a ticket opened with XXXX XXXX ( though they have done their part ), and with Venmo ( I haven't heard from any human there ). I have used instant chat, email, and phone..with no success. 

I feel that Venmo is misleading in their advertising, and intentionally has no frontline support that can do anything but spout their " canned responses ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX  Account XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX {$5800.00} {$1900.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX hard fraudelet hard inquiries XXXX XX/XX/2021 XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX BANK OF XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to OCWEN XXXX XXXX, XXXX requesting validation of this account reported on my XXXX credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that Ocwen did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires OCWEN to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XX/XX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XX/XX/XXXX, showing that OCWEN has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Debt collection

Repeated phone calls about an " account '' that does not exist. I researched the company, and this is a consistent experience for others as well. Calls from dummy phone numbers in other states
Product: Checking or savings account

Subject : Urgent Request to Resolve Account Lock Due to Identity Verification Dear Bank of America Customer Support Team, My name is XXXX XXXX and I have been a loyal customer of Bank of America for the past 6 years. 
My account number is XXXX and I am writing to express my urgent concern regarding the complete block of my account, which has left me unable to access essential funds. 

Recently, I attempted to update my phone number in the Security Center of my online banking profile to reflect my current international contact number. The update was successful. However, on [ data exata do incidente ], while in XXXX XXXX, XXXX, I attempted to use my debit card via XXXX XXXX for a transaction of approximately {$580.00}. The transaction was declined, and I received a verification prompt within the app, which I promptly confirmed To my dismay, the debit card remained blocked, and shortly after, my access to both the app and the Internet Banking platform was completely restricted. 

My Attempts to Resolve the Issue : I immediately contacted the Fraud Department and subsequently the Debit Card Department. Despite providing all the requested information and offering to submit any additional documents to verify my identity, I was informed that the only way to resolve this issue would be to appear in person at a Financial Center in the United States. 

This requirement is not feasible for the following reasons : 1.I am not in the XXXX XXXX , and my XXXX  has expired, which the renew was not have been applied yet.

2.Traveling to the United States is both logistically and financially impossible at this time. 

Impact of the Account Access Blocked : My account holds approximately {$700.00}, which I urgently need for living expenses. 
My XXXX daughters account, also with Bank of America, contains {$2000.00}, which she needs immediately for her regular expenses. 

Request for Resolution : I respectfully requested that Bank of America provide an alternative method for identity verification, given my circumstances. 
I am willing to submit any documentation necessary, including my passport, proof of residence, and any other information required to confirm my identity and resolve this issue remotely It is unreasonable and unfair to block access to essential funds without offering a viable alternative for customers residing abroad, especially when all necessary information to authenticate my identity has been provided. 

: I trust in Bank of Americas commitment to its customers and hope this matter can be resolved without further complications Please treat this as an urgent request and let me know the next steps I can take to regain access to my account. 

Sincerely, XXXX XXXX Account Holder : XXXX Phone : XXXX or XXXX Email : XXXX.
Product: Credit card or prepaid card

I was told after 6 months my credit card will be switched over to a regular credit card and the deposit I paid will be mailed back to me well after the 6 months I called and they said its 7 months so it been 7 months and still havent heard anything from discover im very upset with discover
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and XXXX continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. Experian and XXXX updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXX XXXX CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX  REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 Experian XXXX and XXXX continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. Experian XXXX and XXXX has NOT sent requested information provided to their companies by XXXX XXXX  that they use to continue verifying my CR.
Product: Credit card

Wells Fargo 's online banking app gives you a convenient button on the account summary page to pay the credit card balance. But after clicking that button the next screen there are 3 payment options : 1st says " Total amount due ( Includes current amount due, past due and/or over limit amount and fees ). 2nd option says : " Past due amount ''. And 3rd says " Other '' with a space to enter an amount. This is misleading. It implies that option 1 is payment of full balance. One must understand the bank 's twisted lingo that " Total Amount Due '' is not the same as " Total Outstanding Balance ''. Total Amount Due is actually the MINIMUM amount due. Twice my wife and I have had paid the " Total Amount Due '' thinking we were paying off the whole balance, only to find out interest charges and fees the next month. Essentially by being misleading about " Total Amount Due '' the bank misleads us into keeping an outstanding balance on which they charge a ridiculously high fee. They could solve this problem by easily having another option that says : " Pay full outstanding balance '' with the amount shown automatically.
Product: Mortgage

We bought a house in Hawaii in XXXX 2018 with VA mortgage loan from the XXXX XXXX. After I made the first mortgage payment on XXXX XXXX 2018, my mortgage was sold to Wells Fargo. 
The problem is the first payment I made includes the principal payment of {$65000.00} which was posted by the XXXX XXXX on XXXX XX/XX/ 2018 and reversed later in XXXX saying the loan was sold to Wells Fargo and I was informed that I need to speak to the new mortgage bank, Wells Fargo by the XXXX XXXX 
Wells Fargo did some research asking me to send them the payment proof ( a cancelled check copy and the bank statement ) in XXXX 2018 and responded me back saying there's nothing they can do but posting {$65000.00} on XXXX XXXX 2018, not XXXX XX/XX/ 2018. The XXXX XXXX is saying my loan was sold to Wells Fargo at the end of XXXX and Wells Fargo is saying the loan was sold on XXXX XXXX but they received the payment on XXXX XX/XX/ 2018. 
The mortgage sales between XXXX banks should have not affected on my payment date and the principal payment {$65000.00} had to be recorded on the date I made a payment and the mortgage interest needs to be recalculated based on the actual payment date, not based on when XXXX banks made a transfer each other.
Product: Checking or savings account

Hello I have a complaint with a company named chime bank but also with the XXXX XXXX  company who helps with funds with chime and XXXX XXXX as well I was getting money from unemployment since XX/XX/2020 and they took all XXXX - -- -- -- -- -- XXXX or more and lost wage they have given me hard time to return that money and then to of XXXX 2020 and they told me they have it and will give back to me ( which is was a hard lie to shut me up ) That what they said but never they return the money they put me and horrible mess with our bills they always did a quick email response so it would be something but ever time it was different but not to different they are embezzle money and wont return it. I have documations of them basial lieing and pleading that they have it and will give it back when they have second they are crazy .i want this company shut down and to return the money to billons maybe more and with settlement to those who are having the same problem i want the CEO in jail and i want my money back. and then some
Product: Mortgage

I am finishing up a XXXX XXXX reorganization. My bankruptcy was discharged on XX/XX/2020. Leading up to the final months I contacted my mortgage company, mr. Cooper, to make sure all payments were current. I have had issues in the past with mr. Cooper misapplying funds IE applying monthly mortgage payments to principal or Escrow, excetera. As has become their Norm, about every 18 months I'll get a letter from Mr Cooper or their attorney saying that I owe between XXXX and {$5000.00}. This morning I received a phone call from mr. Cooper asked me if I would be interested in a forbearance. I did not understand why they were calling me as I am current on my payments. I called to check last month again prior to my bankruptcy being discharged I have the names of the people I spoke with the amount that they told me to pay. This morning a lady and loss mitigation Department informs me that my house is in foreclosure. However they can not give me a total amount that I owe or when my house will be sold. I have spoken to representatives in three different departments at Nationstar/mr. Cooper as well as speaking with their attorney, XXXX XXXX. All to no avail. I don't know where else to turn to for help. My monthly statement for this month shows that I owe my regular monthly payment. In fact it actually shows that I have an unapplied balance. I'm hoping someone can help me navigate this and figure this out
Product: Debt collection

Account Number  XXXX  Debt Collect or : USCB AMERICA Date Op ened :  XXXX / XXXX /  XXXX   Past Due Amount : {$260.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  CA  XXXX  Original Creditor :  XXXX   XXXX  Account Number  XXXX  Debt Collecto r : USCB AMERICA Date O pened :  XXXX / XXXX /  XXXX   Past Due Amount : {$290.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX   XXXX   XXXX  CA  XXXX   XXXX  Creditor :  XXXX   XXXX  I foun d two collection account posted in my credit account, by USCB Collect  ion . I wa s never aware of this account, i never received single letter or phone call regarding this account. It looks wife visited hospital hospital when we were separated, I was never aware of this account or her hospital visit. without sending the bill and letter debt collector just posted collection account in my credit. I contacted them an d payed in full. still they refused to delete. even though if account will be updated as paid in full, still it will affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about XXXX XXXX and Experian Credit Bureau. XXXX XXXX sent me a bogus certified letter. The letter did not provide a phone number, return address, or location for the Auction sale. Experian has this listed as a repossession on my credit score which is prohibiting me to obtain a job as an XXXX XXXX and purchasing a home. I reported to the Federal Highway Tax and fuel that the truck was destroyed. I had paid for the 2290 Form and could not get my money back
Product: Student loan

In XX/XX/2024, I applied for the borrower discharge program for private loans. I am a Member of the XXXX XXXX XXXX settlement class and provided Mohela with the same documentation as XXXX received years ago. XXXX XXXX I received a denial letter that said there were various reasons for my denial. I called to inquire and was told they dont even offer this program for private loans. It seems like Mohela created this program as required but had no actual intent of approving any applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account # 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 instruction.
Product: Mortgage

My house was in foreclosure with OCWEN FILE # XXXX After many months of negotiating we were unable to come up with a solution to save my home. The bank was not helpful ; at all. They proceeded to foreclosure. I was assured in writing by Ocwen that i would not be responsible for any deficiencies and I would not receive a XXXX, I did not agree for the bank to cancel the debt. However, they forwarded me a XXXX for {$83000.00}. The bank essentially fraudulently caused me to foreclose. I want the XXXX rescinded and i am seeking reimbursement for the inconvenience this has caused me.
Product: Vehicle loan or lease

I have been sick since the beginning of the year where I was hospitalized in XXXX for 2 weeks I started to get better but due to the lack of income I had to defer two payment back in may I have exhausted all savings and so has my family I continued to make my payments in XX/XX/XXXX through XX/XX/XXXX as I went back to work however in XX/XX/XXXX my doc advised that my XXXX was dropping again due to the XXXX attacking my XXXX XXXX it is throwing my body out of whack well my doc said I need XXXX again or I could XXXX so I have been doing them since XX/XX/XXXX they cost me over 300 each round because I chose the high deductible medical plan I called gm and asked for another deferral because I do n't want to loose my car I need it to get to work and doc appointments I have been waiting on a response for two weeks when the last corp rep advised me not to worry to get a sup involved and they will help me due to my hardship. next year I will be ok because I will have better insurance that will cover my medicines and my XXXX it will cost me more per pay period XXXX dollars per paid period that is why I am asking for assistance because I forsee the problem I am out of money I cant even afford to give my kids a XXXX I did n't ask to get sick but now that I am I have to deal with it the best I can.
Product: Credit card or prepaid card

I was charged {$6500.00} on XX/XX/17 by XXXX, XXXX. In my dealings with this company I did not receive any services. The company was an absolute scam and will not respond back to any email/calls. Also have been shutdown by the FTC. XXXX XXXX agreed to settle FTC charges that it helped deceive consumers with false claims that they could earn six figures within 90 days. The defendant in the case, XXXX XXXX, allegedly helped operate the coaching scheme, which did business under the name XXXX XXXX. The final order bans XXXX from selling business coaching programs and investment opportunities. In addition to the false claims about how much money people could earn, XXXX XXXX falsely promised to provide individualized coaching from successful marketers, who in fact were just salespeople selling costlier membership levels, according to the FTC. The FTC alleges that most people never earned the promised income and that consumers lost tens of millions of dollars to the scheme, including some individuals who lost more than {$50000.00}.