23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I entered a signed agreement with XXXX XXXX XXXX ( XXXX. ) to represent me in a loan modification program to avoid foreclosure. In this agreement I had to make ( 4 ) four scheduled payments of {$970.00}. Three of four were paid via e-checks. The fourth payment was stopped due to the fact I received my notice of foreclosure from XXXX County PA.Sheriffs Department on XX/XX/XXXX. On this same day I agreed to enter a signed petition under the XXXX County Residential Foreclosure Diversion Program. I have already attended one Conciliation/Case Management Conference with legal counsel XXXX XXXX. The conference was scheduled for XX/XX/XXXX. At this time the plaintiff XXXX XXXX XXXX XXXX had counsel present who requested my proof of income and banking statements for three months. The next conference is scheduled for XX/XX/XXXX Based upon the aforementioned facts XXXX has failed to provide any services to avoid foreclosure. After they discovered the final payment was stopped because I was served with a foreclosure notice. XXXX immediately claimed they got me approved for a temporary trial loan modification of {$1100.00} for ( 3 ) months and no guarantee for a permanent modification or an amount. At this point my attorney agrees that XXXX. is just providing false hope of staying in my home while paying a collection agency known as Caliber. The courts have never been notified of any loan modification temporary or otherwise. Therefore, it is my contention that XXXX. has not provided the necessary services to avoid a foreclosure or Restructure my Mortgage '' as they claimed would be the case in Pennsylvania. Furthermore, they provided documents proving that they are merely assisting the Caliber collection agency to gather three payments of {$1100.00} starting XX/XX/XXXX. Caliber also states that foreclosure would be suspended however XXXX County Court has no knowledge of any legal agreement therefore my home continues to be in a foreclosure status and currently involved in the XXXX County Residential Foreclosure Diversion Program.
Product: Mortgage

I am writing to express my frustration regarding the ongoing issues I have encountered while trying to resolve my concerns with XXXX XXXX XXXX. Despite my repeated attempts to establish communicationspecifically XXXX attemptsI have only been fortunate enough to speak to XXXX representative. 

Most recently, on XX/XX/year>, I managed to reach a XXXX XXXX XXXX representative, but to my dismay, our conversation was abruptly cut off when she hung up. This experience has left me feeling dismissed and neglected as a customer. 

Furthermore, I have attempted to liaise with LoanCare, the company managed by XXXX XXXX XXXX, but unfortunately, they are just as unresponsive. I find that none of their contact avenues lead to a satisfactory outcome, and during the XXXX call I was fortunate enough to receive from them, the representative I spoke with appeared to lack the necessary knowledge to assist me in addressing my concerns. 

Given that XXXX XXXX XXXX markets itself as a leader in mortgage management, I find it exceedingly disappointing that my experience has been anything but satisfactory. It seems that there are significant gaps in communication and customer support which need immediate attention. 

I would greatly appreciate a prompt resolution to my issues or a direct line of communication with someone who can assist me effectively. Thank you for your attention to this matter. I look forward to your swift response. THANK YOU CFPB.
Product: Debt collection

I am protesting and feel I am not responsible for advertising with YP simply because the fine print on an original contract stated I must cancel business with them prior to the anniversary date of original contract. I have no way of remembering anniversary dates on such transactions and the original sales person did not alert me to that stipulation in the contract years ago.
Product: Credit card

The information from my credit card was somehow obtained and used to create another bogus credit card where over {$1500.00} was charged to my account. I had stayed at a motel while in the XXXX area and was issued a magnetic key which I turned in when I checked out. Not sure if the information was obtained from the magnetic key or not ; however, I only used my card in XXXX places during the time I was in the XXXX area.
Product: Student loan

I have two lower balance student loans. Due to covid I havent been required to pay them, the accounts are basically frozen. I havent been able to access them or pay on them whatsoever. Both student loans were in good standing. I understand the freeze on student loans was done in order to help in a time of need but the issue I have with this, is affecting my life greatly in a negative way. Before covid I had auto drafts to pay my student loans each month, totaling under {$100.00} combined. Since student loans arent requiring payment right now I can not pay on them even though Ive been fortunate enough to keep my job throughout covid. My issue is that I am trying to buy a home and now that I havent had the option to pay on either loan my balance has exceeded my credit limit for each loan, as well as a 90+ day late status on each loan. This is impacting my credit report significantly in a negative way. While I understand and appreciate the US government trying to assist those in need during covid I feel I am at a disadvantage. If I were to have the option to continue my monthly auto drafts my balance would be significantly lower, possibly paid off. I am requesting that this be looked at and removed from my credit report with all three bureaus. I am a law abiding citizen, I pay my taxes, I have a good career. I am trying to better myself and my family but this issue is affecting my credit report so negatively that I feel discouraged. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am attaching a debit statement from my bank demonstrating the payment history on my mortgage since XX/XX/XXXX. 

My mortgage was serviced by XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. All payments were in the amount of {$1400.00}. 

In XX/XX/XXXX the service transferred from XXXX to XXXX, who continued to charge me {$1400.00} for the next seven months. However, in XX/XX/XXXX the mortgage payment XXXX {$250.00} a month to {$1600.00}. Since I was on autopay, I had not taken immediate notice of the increase. XXXX collected this increased amount for the next XXXX months before transferring the service to PHH in XX/XX/XXXX. 

The transfer to PHH is when I noticed the increase. Upon investigation, I discovered XXXX increased my home insurance by $ XXXX and my property taxes had increased by {$170.00} annually. A {$380.00} annual increase did not seem sufficient to justify a $ 254 monthly increase in my mortgage. 

I called PHH and they informed me this was due to an escrow shortage. I spoke to four different reps, but I was unable to receive an explanation as to HOW my escrow incurred such a massive shortfall, to the point where it went negative. I also called XXXX, but after XXXX minutes on the phone the rep hung up on me. Finally, I called XXXX, but they are unable to find me in their system. 

PHH has been collecting monthly payments ranging from {$1600.00} to {$1700.00} for the last XXXX months. They explain the increase is to build my escrow back up, but can not explain how it went negative in the first place.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. 
This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy rights.

Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately Addresses, Collections, Inquires, Names, Accounts XXXX XXXX XXXX These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response
Product: Checking or savings account

PNC bank is holding my client 's {$5000.00} in escrow funds even though they have been released by both parties Buyer and Seller. 

Back story : " 1. XXXX XXXX borrowed money from a NY based unscrupulous lender. The lender started legal proceedings against XXXX when the company closed its doors. They then served papers on PNC Bank to put a hold on XXXX funds. They are allowed to do this against XXXX Operating account ( XXXX money ) but not against XXXX Escrow account ( money being held for clients ). 
2. We believe PNC Bank acted improperly by allowing a hold on the Escrow account. Without directly agreeing with us, they have asked us to prove that the Escrow account is truly our clients money. We have provided that info and are awaiting their response. 
3. XXXX has been negotiating with PNC Bank and has made some progress. 
4. The Escrow account in question has over {$40000.00} in it, all of which is not XXXX money and should be released. We have asked that your {$5000.00} be released while this matter is resolved. '' I understand they are freezing the business account of XXXX XXXX, but the escrow account is not their money - these are funds held in trust for clients - and subject to release upon release by both parties.
Product: Mortgage

After filing complaint # XXXX earlier today, I looked at my old records. 

With XXXXXXXX XXXX it was in fact a XXXX instrument starting in XX/XX/XXXX. 

I couldnt find a a way to amend the last complaint, but because SPS took over the servicing in XXXX, all contract agreements would be the same. 

So why is this no longer considered a XXXX, or XXXX, or XXXX XXXX   instrument? 

For the first time, I saw a complaint response from years ago, and SPS is incorrect. A re-affirmation agreement was made, but in 1 month it isnt going to matter anymore. I believe that SPS did not do the transfer correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting an authorized/fraudulent transaction. Pursuant to 15 USC 1681 a ( d ) ( 1 ) -the consumer needs to provide written permission or verbal consent to furnish this alleged debt, which you have neither A detailed investigation is being requested pursuant to the FCRA XXXX The consumer is requesting the original contract and the detailed method for the investigation such as who completed the investigation to validate the alleged debt and when the investigation was completed.
Product: Debt collection

On XXXX XXXX, 2017, I contacted Midland Credit Management about a debt that I had owed. I was not disputing the debt but wanting to pay it off. I negotiated a payoff amount of {$1000.00} and paid it by credit card. I have received several notices threatening garnishment of wages AFTER I paid. I tried several times to contact them and each time I was transferred and then sent to voice mail. I have left several messages trying to explain that this debt was paid. I finally went on line to find a different number or address to contact and found one for the corporate office in XXXX XXXX, CA. I sent and email and a copy of the credit card statement. Two weeks later, I received a letter validating the debt that I had owed but nothing about the pay off. I have the credit card statement with the payment to Midland Credit Management on their and they still refuse to acknowledge that I paid the debt. I just received a letter again ( XXXX XXXX, 2017 ) stating that they investigated and found that the debt was valid and they would start collection procedures again.
Product: Money transfer, virtual currency, or money service

XXXX Im here to express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuit recognizing significant issues with the known platform. Despite using Zelle numerous times and reporting discrepancies, my final institution and Zelle failed to investigate claims right away. They informed me that recovering lost funds were impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have requested Notice for Proof of Claim for Accounts XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, paragon rev acct # XXXX, XXXX XXXX acct # 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Payday loan

I am a victim of identity theft and someone stole my identity and personal information to apply for a loan with Lend Up. The loan account was an unauthorized and fraudulent account. I never applied for a loan with Lend Up. I filed a police report with XXXX XXXX Police Department. The police report case number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT CLOSE THIS COMPLAINT. This is a legitimate complaint made by me not a third party company. I was the victim of identity theft, they got medical care and used my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reappearing on my experian credit file which is not on my XXXX or XXXX file while I understand they are different agencies this should be removed The company XXXX listed with XXXX XXXX XXXX is no longer in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a credit card dispute on my well Fargo and it was for " balance paid in full '' about 25 days ago and on XX/XX/XXXX my well Fargo credit card account was removed from my credit report and I called well Fargo and explain that I never wanted my credit card and there was glitch on XXXX report or well Fargo made a mistake to have my account removed and I was told that I need to put it in writing which I refuse to do because I don't know what to put down ... not its not reporting on XXXX and XXXX and well Fargo is unable to honor my request ... I WANT THIS ACCOUNT ' REINSERTED BACK ON MY XXXX AND  XXXX  CREDIT REPORT ... 

ACCOUNT NUMBER WELL FARGO XXXX XXXX XXXX THIS ACCOUNT HAS BEEN OPEN SINCE XX/XX/XXXX
Product: Credit card or prepaid card

I was paying my bill every month and I started to notice that the interested was not going down. I called and sent letters to try and get them to explain this to me and the kept telling me it's because of 31 days. The statements are confusing and customer service was no help
Product: Mortgage

I am charged {$20.00} for the corporate advance fee as shown on my statement for the loan # XXXX ( see attached ). The ServiceMac agent informed me that it was the fee charged when ServiceMac sent someone to check the property. I believe that I should be informed regarding the fee prior to being charged. I have three loans with ServiceMac and only this loan was charged for this fee.
Product: Debt collection

Company claims I owe a debt that doesnt show on my credit reports. Ive requested loan documents be sent to my mailing address with no luck. They just wait 30 days then start harassing me and my family members daily. It is very unsettling that they refuse to provide proof this is indeed my account. At this point i would like calls pulled that verifies i asked for supporting documents along with call logs that cooperate what i am saying. If they cant provide that i would like the calls stopped and information removed under my name. At this point its harassment
Product: Bank account or service

In an attempt to resolve a customer service issue with Capital One Bank ( XXXX, VA ), I submitted a complaint to the XXXX, which is now closed. In their response to the XXXX, they submitted personal information in the form of my account application which included my name, DOB, SSN, and address. This information was unnecessary to disclose and should have been redacted. When I expressed concern to Capital One about the mishandling of my information, they told me I had authorized release of such information and that they were compliant with federal law. I believe they have violated my protection by law and wish to express that complaint to a government entity so that others are not impacted by such oversights in the future. I am particularly angry because I experienced identity theft at the same time as they mishandled my information.
Product: Credit card or prepaid card

XXXX XXXX 2 charges were charged on my amazon chase account. The amounts were {$5000.00} and {$3000.00} total of {$8000.00} I called my credit card in XXXX when this happened. They reviewed it once and credit it back to my account. Then a month later decide to take it back and feel like it wasnt valid. I have make 2 other reports from XXXX till now. Both declined each time.
Product: Money transfer, virtual currency, or money service

We run a small local theater company. When we opened our square bank account in XX/XX/2023, we added the money that been donated to us into our account. The only transactions we made were to XXXX to pay for our website and to the rights company for our play production. After one month, we started receiving emails saying that our transactions were declined. Upon contacting support, they told us our account had been suspended, and when we asked why, they said they were unable to tell us the reason, but the funds would be released to us after 90 days. We had to use our own personal funds to make up for the money that had been donated to us from friends and family. 

90 days came and went in XXXX. The funds were not released. We tried contacting support again, they said that account services would reach out within two business days. They never did. It is now XX/XX/XXXX, almost five months after our account was closed, and we are still unable to access the funds. Square has not sent us a single email asking us to confirm anything, or giving ny information about why our account was suddenly closed. 

Upon doing research, it is clear we are far from the only people this has happened to do. Square needs to be held responsible not only for subpar customer service and not communicating with customers, but for seemingly holding small business funds hostage with no legitimate reason, and without telling us what we can do to reconcile anything. For all intents and purposes, they have stolen XXXX dollars from a theater company that was entirey funded by donations, and forced its owners who are already struggling financially to pay for this out of their own pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

s XXXX equity line is not reporting that in XX/XX/XXXX or XX/XX/XXXX that I was late. was ' never late in the month of XX/XX/XXXX please make entire year today correct with no lates!
Product: Credit reporting or other personal consumer reports

XXXX credited me back for recurring charges from XX/XX/XXXX dating back to XX/XX/XXXX on my XXXX credit card. These were results from phone calls, faxes and CFPB dispute ( Complaint ID XXXX ). On XX/XX/XXXX, three credits were applied for XXXX XXXX  monthly charges. On XX/XX/XXXX three credits were applied for XXXX XXXX XXXX monthly charges and once again on XX/XX/XXXX five credits for XXXX  XXXX XXXX  monthly charges. In XXXX I had a 30 day late reported to my credit from XXXX due to the XXXX  charges that I disputed and was later credited back. I am requesting that XXXX, XXXX  and transunion remove this 30 day late payment. The card was paid down to {$0.00} in XXXX XXXX and there was no balance besides these unexpected charges from XX/XX/XXXX to XX/XX/XXXX. They were credited back by XXXX.