23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I XXXX AM AUTHORIZED ON XXXX XXXX BEHALF TO DISCUSS THE PAYMENT HISTORY THAT CHASE HAS PLACED TOGETHER MANY OF THE REPORTS AND INACCURATE PAYMENT HISTORY INFORMATION. IF YOU TAKE A LOOK AT THE PAYMENT HISTORY OVER THE COURSE OF MANY YEAR YOU SEE PAYMENTS FROM XXXX IN XXXX AND XXXX PAYMENTS. 
PLEASE NOTE FOR YEARS HE HAS BEEN STRUGGLING WITH HIS PAYMENT HISTORY AND THE INCORRECT OR INACCURATE REPORTING EVER SINCE HE WENT INTO THE HOMEOWNERSHIP REPRESENTATIVE HWHO HELPED HIM WITH HIS LOAN MODIFICATION. HE PROVIDED HER A PAYMENT AND SHE SAID SHE WOULD TAKE CARE OF IT TO HELP HOM RECEIVE THE, LOAN MODIFICATION HE HAD TO PAY LATE SHE HELD THE PAYMENT AND CHANGE THE PAYMENT HISTORY AROUND HENCE TAKE A LOOK AT THE REPORT YOU BEGIN CHASE DEPTAMENT SENT OUT. 
EVER SINCE THAT REP WENT IN AND CHANGED HIOS PAYMENT HISTORY TO HELP HOM GET TEH LOAN MODIFICATION BC HE WAS NEVER LATE HE HAS HAD PROBLEMS. iT HAS PREVENTED HIM AND HIS WIFE IN FINDING ANY HELPBC THERE CREDIT HAS BEEN HEAVILY IMPACTED
Product: Debt collection

TSI Collections has reported a collection account to my XXXX, XXXX & XXXX credit files. I do not owe this alleged debt. If TSI has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. TSI has no legal right to attempt to collect a debt. TSI has not validated this debt nor sent me a notice of collection. TSI is inviolation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these suspicious information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : $ {$15000.00}
Product: Credit card

I opened a Citi AAdvantage card. During the account opening process, the application asked me to create a log in, sign up for a paperless option and then provide a secret word. When I selected Continue to move on, the website said " System Error. '' I tried calling customer service who was not able to identify me or find my application. They transferred me to the application team where my application was found. I was then told that there was " website issues '' or " some applications do n't allow instant access, maybe this was one. '' and to " Please just wait until you get your card and you create on online account. '' My concern remains that Citi is willing to send a credit card by XXXX with no tracking methods to my house in the city where mail is often stolen and the only way to create an online profile is to " try calling back in 24-72 hours when your account goes to customer service and see if they can help or wait until you get the card. Maybe we could also send it to someone else 's house. '' I am concerned that I have no way of tracking the account opening process and delivery of my credit card without putting a hold on the account and potentially allowing someone to compromise the card without me being able to log in and see the account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act ( FCRA ), the following has violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name ; XXXX  Account Number : XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

The CFPB recently resolved a dispute ( case number : XXXX ) for me with XXXX XXXX XXXX, regarding a debt that I did not owe. They called to collect {$1600.00} on behalf of XXXX XXXX. However, XXXX XXXX is not legally entitled to collect this money from me, and so neither is XXXX XXXX XXXX. I therefore asked the CFPB to help me file a claim against XXXX XXXX XXXX, which the CFPB did. Indeed, the CFPB ordered XXXX XXXX XXXX to relinquish their claim, and I wish to thank the CFPB for that. 

However, XXXX has attempted to go around the CFPB by passing this same debt on to North Shore Agency. I have contacted the FCC regarding XXXX 's actions, and am now also contacting the CFPB to request that North Shore Agency cease attempts to collect from me. 

Further details of this case are available in the complaint I filed with the CFPB on XXXX XXXX, 2015 ( case number : XXXX ). I have filed similar complaints have been filed with XXXX XXXX, the FTC, and the FCC.
Product: Credit card

I don't appreciated how you guys decided to close down my credit card while i'm still using it! This company just goes decided to shut down my credit card without any notices and I want the world to see how horrible they have been, do you guys really want to bank with them?
Product: Mortgage

I paid off my mortgage loan in XXXX XXXX with PHH Mortgage Services and can not get them to release the loan. In XXXX I took out a mortgage with my husband. This loan was paid off in XXXX when we divorced. I took out a new mortgage ONLY IN MY NAME to close out the joint loan with my husband. The joint loan should have been released in XXXX, but PHH sent me this release earlier this year. What I have been trying to get PHH to do is to release the mortgage that was only in my name. I called PHH on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. They kept telling me that they were working on the correct release. I then sent them a letter on XXXX XXXX, XXXX. PHH still has not released the loan in my name that I took out in XXXX.It was not a refinance of the original loan because I was taking the loan out only in my name and paid the joint loan off in XXXX to erase any connection to the home with my former husband. I need to get the release as soon as possible. This tremendous delay has made it now an urgent situation because I am planning to sell my house in the first quarter of next year ( XXXX ). Please do what you can to urge PHH to release the correct loan that had only my name on it. Thank you.
Product: Credit reporting or other personal consumer reports

I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, XXXX XXXX XXXX XXXX credit card accounts were opened, but I only authorized XXXX. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus Experian ; XXXX XXXX and XXXX that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY
Product: Checking or savings account

Hello, This week, i have been challenged by USAA to provide my income level, and my total net worth, and asked if I am a member of a foreign army or government. 

They veil this as " US Patriot Act '' and its the law. The US PATRIOT act doesn't call out anything about personal income, nor Net worth. Especially due to the fact that I've been banking with them for four decades, how would I be under this " alleged '' scrutiny anyway being a natural born citizen.

They threaten that if in the 3 logins allowed, now they have provided this web pop up stating that I will lose all my online access to my accounts unless I comply. It's a 100 % online banking entity. This is essentially stealing my money by disallowing me access, to the money I rightfully earned and own. 

Please help. They have a recent and even extended history of bullying and forcing their patrons into positions of financial disadvantage, and even illegal activity. 

Please help!
Product: Debt collection

In XXXX XXXX, there was an account opened through XXXX XXXX that was opened in my name. I was unaware of this account until XXXX when I checked my credit score and saw it. The address labeled under the account was not mine and has become a closed liability on my credit score. I request that this be removed from my credit score.
Product: Prepaid card

Received the card from a Class Action lawsuit even though I opted as a XXXX  only payment method. Received the email as Virtual Disbursements Prepaid Mastercard, contacted the attorney to verify the payment was legit confirmed it was. Used the money from the card in one purchase since I read the contract of terms said there would be a multitude of charges. I wrote down all phone numbers for the mastercard. I have tried multiple times to call these phone numbers for customer service to cancel the card and close the account so that I would not be charged the inactive card fees. The phone numbers provided on the web site and in the terms of use for customer service are, XXXX, and XXXX, The website is XXXX XXXX XXXX 
The terms of use said " b. Account ClosureYou may close your Virtual Card at any time by contacting Customer Service. Your request for Virtual Card closure will not affect any of our rights or your obligations arising under this Agreement prior to the request. Should your Virtual Card account be closed, we will issue you a credit for any unpaid balances, subject to fees as disclosed in the Long Form. We reserve the right to close your Virtual Card account should you complete or attempt to complete any of the prohibited actions in this Agreement. '' I can not reach a person and both phone numbers only has you go in circles entering your card number, expiration date and the CVC code. The website does not provide even a email address to reach out to anyone. I want this card cancelled and the account closed. Today XX/XX/XXXX I have tried both numbers and was unable to reach anyone, I previously tried both numbers XX/XX/XXXX multiple times and XX/XX/XXXX, unsuccessful to reach anyone.
Product: Debt collection

I am a XXXX veteran who contracted XXXX while in Florida. VA card was presented at time of XXXX visit. This bill should have been sent to the Veterans Administration for payment
Product: Credit card

My current credit report is showing that I have a Target Credit Card open that has never been used. However, I have never had a Target Credit Card. Target can not find any card under my name and is refusing to remove the card from my credit history even though they can not find a card registered under my name. Because I have never actually had a card with Target I do not have the full credit card number with which to reference what is showing up on my Credit Report. I would like Target to remove the credit card they have listed on my credit report as they have no history or documentation of me ever having had a card with them. Even though I do not have any outstanding balance this card is negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Failure to Process Dispute and Violation of FCRA Rights Dear Experian, I am writing to file a formal complaint against Experian for their failure to properly process my credit information disputes dated XX/XX/year>, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite providing all required documentation to substantiate my dispute, Experian responded with a letter suggesting the request did not appear to have been sent directly by me or authorized by me. This response is not only unsatisfactory but also frivolous, considering the extensive evidence and proper documentation I submitted directly to Experian. The FCRA mandates that consumer reporting agencies must conduct a free reinvestigation of disputed items when notified directly by the consumer ( 15 U.S.C. 1681i ). Experian failure to act upon my dispute and their insistence on not recognizing my direct submission are in clear violation of this provision.
Product: Credit reporting

I TRIED TO GET A FREE CREDIT REPORT AND I FOUND OUT SOMEONE HAD BEEN USING MY INFORMATION TO GET CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked transunion, XXXX and XXXX  to remove any addresses associated with XXXX XXXX. These companies did not comply with my request.
Product: Credit card or prepaid card

The company needs file compliant from FTC to placed for them to close the account.
Product: Mortgage

Mr. Cooper made an escrow analysis and determined our escrow had a shortfall of ~ {$7000.00} ( incorrect ). We were making escrow payments of ~ {$1800.00} ( ~ {$22000.00} yearly ) which covered property tax ( ~ {$21000.00} ) and insurance ( ~ {$1000.00} ). My most recent bill came to ~ {$2400.00} escrow payment which is WAY more than what is needed to cover taxes and insurance. I contacted the support team TWICE and tried to fix the escrow estimates and provided my most recent property tax bill and insurance bill and they still wanted me to pay the full OVERESTIMATED amount or else I would be assessed a late fee. I do not trust this company anymore they made no effort to make their mistakes right.
Product: Credit reporting or other personal consumer reports

I have disputed this multiple times and TransUnion till this day has not send me a report update with results. XXXX XXXX XXXX XXXX  Case number XXXX While reviewing my personal credit report, I noticed some inaccuracies in the public records area of my file. I am requesting an investigation be conducted and verify that the information on ( XXXX bankruptcy ) is correct. I believe this may be an error because this/these do not belong to me. Please verify and remove them from my file and send me an updated credit report reflecting the accurate information.
Product: Checking or savings account

I submitted to my employer, direct deposit information provided to me by XXXX by Payfare Inc. As a XXXX  I expected ease of access while on the go, working two jobs and being homeless so that I may afford necessities such as housing. My employer sent my XXXX deposit to XXXX by Payfare Inc on Wednesday XX/XX/2023 in the amount of {$400.00} to be deposited into account XXXX routing number XXXX. I confirmed with my employer on Friday XX/XX/2023 that the deposit was accepted by XXXX by Payfare and has not been returned to them for me to receive a paper check. Several representatives assured me my deposit would reach me by Monday, XX/XX/2023. When it had not arrived, I reached back out to my employer to see if it was returned for any reason and they confirmed it was not. I then reached out to XXXX by Payfare support around XXXX EST to find out what happened. I was hung up on and blindly transferred by several employees. I reached XXXX or XXXX who identified himself as a 2 year veteran employee with XXXX by Payfare who explicitly stated the do not accept direct deposits from outside entities or financial institutions, which is the opposite of the information provided on the Direct Deposit form provided by the company, as well as the XXXX Cardholder Agreement. He insisted that the form they provide is strictly for alternative forms of payment in case Dashers are missing XXXX deposits. He stated he would transfer me to a Payfare supervisor that was familiar with my situation and would assist with resolving my issue where he then proceeded to provide me a false callback number for Payfare of XXXX that does not ring, it simply drops the call. He placed me on hold for over an hour and I still have no knowledge of where my funds are. I received an ACH direct deposit from XXXX XXXX on XX/XX/2023 in the amount of {$5.00} with the same information provided to my employer that paid me {$400.00} and it was received correctly. The XXXX XXXX states an ACH direct deposit should be paid to users within 2-3 business days, which has been exhausted, up to 5 business days if there is a reasonable delay communicated by XXXX. I have no idea if and when I will receive my funds which has caused me to lose my job with my primary employer, losses for my vehicle as well as housing expenses that Ive needed to rearrange for due to not receiving my funds. I have also had to borrow several hundreds of dollars from loved ones to help pay expenses that were supposed to be covered by that deposit.
Product: Student loan

I have been in the PSLF program for over 10 years. I got into public service knowing that after 10 years my loans would be forgiven. This was the only possible way that I could have afforded to work in public service and pay for my loans given how little XXXX make. 

My issue is with Mohela. There are many qualifying payments that have not been applied towards forgiveness and the qualifying payments listed on the Mohela website are not accurate. I resubmitted the employment verification document for two employers that were not listed for some reason and they are still not listed on the website towards qualifying payments. However, the agent said the payment counts are up to date. Clearly they can't be up to date if 2 employers are not even listed. I have called, emailed and messaged through the portal over 30 times since XXXX. Each time they say they will request it gets updated. Nothing has happened. I have also filed an appeal through studentaid.gov to see if that will help expedite the process and have gotten zero response. When I was able to get a person on the phone they said it looks like I should be at full forgiveness. Unfortunately, nothing came from their request so I called back and that person stated that some of my payments didn't count because I was in deferment or forbearance. The only times I agreed to forbearance or deferment is when the loan servicer said they would still count towards PSLF which apparently they were not. 

Mohela is also taking 100 % of my payment and applying it towards interest only. When I asked the associate why she said " don't worry about it because you should be at forgiveness once everything processes. '' Additionally, they advertised that I would get a percentage discount on my loan payment if I signed up for automatic payments which I did. This discount has not been applied and I am working on my XXXX payment to them with no discount as advertised. 

I can't reach anyone via phone and no one responds any longer through the portal. 

I feel like I have hit my agreed upon 10 years of service in public service and deserve to have my loans forgiven. I am not asking to randomly be forgiven for something I agreed to pay on. This was a part of the deal and why I was able to become an XXXX. This is greatly impacting my ability to plan a future for my children. I am unable to make a decision on purchasing a home because I have no clue when/if my loans are actually going to be forgiven. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I went to XXXX XXXX XXXX in XXXX MA and wrote a check. I was informed by Telecheck that my check was declined because I " do not normally write checks to this merchant '' and I " don't have a history of check writing with them ''. When I asked how I was supposed to have a history of check writing if they don't allow me to write a check they could not answer. When I asked what the bad information is that I was declined the ability to write a check for, they gave incorrect information. I do not have any unpaid checks with this company. This company seems like a complete scam.
Product: Vehicle loan or lease

Consumer Portfolio Services , IncXXXX hired XXXX & XXXX XXXX XXXX {$12000.00} on a car Consumer Portfolio repossessed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2022, XXXXXXXX XXXX XXXX reached out with loan documents and a history transaction in a corrupt file. I responded back requesting the information showing how much the car was sold for via e-mail on XX/XX/2022. 

XXXX & XXXX sent me a notification explaining the settlement conference was canceled, the matter is resolved and the case is dismissed. 

I have never received an accurate balance regarding this account. 

I have disputed it with all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Wells Fargo stating they would be removing this inaccurate account ( Account Number : XXXX ) from my credit report on XX/XX/XXXX. This inaccurate account is still reporting to my credit as of today XX/XX/XXXX. The fact that they sent me a letter saying they would remove it and didn't was very deceptive under 15 USC 1692j and FDCPA Section 807. On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inaccurate accounts without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. I expect this situation to be remedied by the CFPB using the invoice I attached, I Now suffer from XXXX  because I can't trust these financial institutions.