23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good afternoon, I hope this email finds you well. I am not sure if you can assist me or direct me to someone that can help me with this situation. 

My husband and I refinanced our home on XX/XX/2021. The new mortgage company was Cross Country Mortgage. 

After settlement, I called Cross Country Mortgage and explained that we would like to get on the bi-weekly auto payment schedule. The agent said they did participate of program and emailed me the forms with directions. That email was sent to me on XX/XX/2021. To participate, you had to complete the form, pay {$150.00}, and pre-pay my mortgage by one month. 

We completed the forms, enclosed a check for {$150.00}, and enclosed a cashier 's check for one month 's mortgage of {$1700.00}. 

XXXX we received a letter from Cross Country that our mortgage was sold to XXXX XXXX  XXXX 
XX/XX/2021 I called XXXX XXXX  ( new servicer ) to ask about the same program and verify they received my mortgage payment and if they needed anything from us. 
XXXX XXXX  informed me that there was no transfer of money during the transfer process. 

Called Cross Country Mortgage and gave the representative loan number that was provided to us at settlement. They said that the mortgage number does not exist. I explained the situation and she had a representative call me. A new representative called me and she informed me that my mortgage payment should not have been mailed to the address that was listed on the bi-weekly program paperwork and that there is no money applied to our loan. 

Called XXXX XXXX  the issuing bank for the cashier 's check and Cross Country cashed the cashier 's check on XX/XX/2021. 

Talked to XXXX XXXX with the corporate office after several calls to other departments. He informs me that my cashier 's check was applied to the wrong loan which is another XXXX family in Delaware ( not my loan ). He told me to call the XXXX XXXX  department. I called the XXXX department spoke to several representatives and no one can help me. Their final recommendation was for me to call my current Mortgage company and ask them to create a work order. 

XXXX XXXX created a work order but then closed it. They said there is nothing they can do because it was applied to a different mortgage loan. 

Many calls to other representatives and asked for their supervisors. Nobody is willing to help. 

XXXX I received an email from XXXX who is the manager of the XXXX department with Cross Country asking for my payment that XXXX XXXX  is requesting the payment with the loan number that everyone tells me doesn't exist. 

I have left a message every day for the past week and nobody has returned my calls. 

I do not know where to go from here. Any assistance would be appreciated or guidance. 
Attached- is the original email about the draft program, copy of my cashier 's check, copy of the cashed cashier 's check where someone wrote the wrong lona number in the memo line, email from Cross Country , and the letter where my mortgage was sold. 
FYI- my loan is an FHA XXXX. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late that are not true. 
I see an account that does not belong to me.
Product: Credit card

On XX/XX/2024 I opened Discover Card credit dispute ( Dispute # XXXX ) for {$4100.00} for a custom piece of furniture product I did not receive from XXXX XXXX XXXX XXXX. I subsequently closed this Dispute with Discover Card when the owner of XXXX XXXX XXXX XXXX agreed to finish the custom furniture by end of XXXX XX/XX/2024 via writing in email to me. 

Subsequently, the owner of XXXX XXXX XXXX XXXXXXXX began to ignore a majority of my communications once again and did not deliver the custom furniture by end of XXXX XX/XX/2024 as promised. It is now XX/XX/2024 and XXXX XXXX XXXX  XXXX still did not deliver and will not respond to me. 

I attempted to reopen the Dispute # XXXX with Discover Card and they denied me the reopening indicating that XXXX XXXX XXXX XXXX had to agree to the refund. This makes no sense, because XXXX XXXX XXXX XXXXXXXX will not deliver the product nor reply to my messages. I let Discover Card know that it is not possible for me to get that agreement from XXXX XXXX XXXX XXXXXXXX since they will not respond ; this is the purpose of having a credit card Dispute process. However, Discover Card will no longer help even though I sent them additional documentation showing XXXX XXXX XXXX XXXX will not respond to my emails and I sent Discover Card the email from the owner of XXXX XXXX XXXX XXXX stating they would delivery by XXXX XX/XX/2024. 

Therefore, I am stuck with the {$4100.00} bill on my Discover Card for an item I did not receive nor ever receive and Discover Card will no longer help me.
Product: Credit card or prepaid card

I sent a payment to pay the balance in full for the month in the amount of {$1100.00}. Wells Fargo only credited {$410.00}. They posted the receipt the incorrect amount on XXXX/XXXX/23. My bank paid the full amount of the check to Wells Fargo which was drawn the {$1100.00} from my bank on the same date. I have contacted Wells Fargo numerous times over the last 30 days to no avail. I have had to write a check to pay the most recent statement in full although the amount of that statement has yet to be adjusted for the credit due to Wells Fargo 's misapplication of the previous payment. Wells Fargo 's last position is that it would take them another 30 days to " investigate ''. It is time that a higher source intervene in this issue.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt collection

Johnson Mark LLC, a debt collection law firm, has handled several debt collection lawsuits for credit card falsely opened in my maiden name. I have called Johnson Mark LLC, a debt collection law firm, has handled several debt collection lawsuits for credit card falsely opened in my maiden name. I have called their customer service line and emailed several times. I have spoken with customer service representatives several times and informed them that this is not my debt and is fraudulent. I have sent emails with copies of the police report detailing a break in at my apartment, and my FTC identity theft report. I am given no information on the debt, received only automated emails in return when I sent my reports to them, and the debt collection court cases have been allowed to continue. One case has now made it to wage garnishment and I can not get any answers or feedback from Johnson Mark LLC. I have not been able to reach the lawyers directly, just an automated number. I have repeatedly stated this debt is not mine and I am a victim, yet they proceed to harass me. There are so many cases its been hard for me to follow. Most recently, XX/XX/XXXX wage garnishment related to a court case that they won by default. I believe they are saying the debt came to them around XXXX. Defaulted sometime XX/XX/XXXX? I have contacted their customer service line and emailed several times. I have spoken with customer service representatives several times and informed them that this is not my debt and is fraudulent. I have sent emails with copies of the police report detailing a break in at my former apartment, and my FTC identity theft report. I am given no information on the debt, received only automated emails in return when I sent my reports to them, and the debt collection court cases have been allowed to continue. One case has now made it to wage garnishment and I can not get any answers or feedback from Johnson Mark LLC. I have not been able to reach the lawyers directly, just an automated number. I have repeatedly stated this debt is not mine and I am a victim, yet they proceed to harass me for a debt that is not mine. There are so many cases its been hard for me to follow or keep up, and some have gone into default or wage garnishment. When calling the customer service number or sending an email, the company redirects you to wait while they investigate, and nothing happens. Due to this, I have filed a new, more detailed police report with XXXX police department ( they handled the break in case and stolen identity documents at my former apartment ), and a new FTC report that is more specific and mentions Johnson Mark LLC, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX by name. 
FTC report reference number : XXXX XXXX XXXX officer spoken to : XXXX XXXX XX/XX/XXXX ( awaiting copy of PD report )
Product: Bank account or service

I received a 0 % APR offer for 15 months on balance transfers with a 4 % transfer fee from XXXX, I took this offer to the XXXX branch of Fifth-Third bank and ask if they could match it. I stated I would rather deal with a bank with local branches that I also have a credit card from. The banker put in the request and I received the same offer, with checks, in the mail a week later from Fifth-Third. I went to use this check to transfer a balance from XXXX, the check was accepted on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the balance was reaccredited to the XXXX account with a bad check fee assessed. I went to the XXXX Fifth-Third Bank branch to question why the Balance transfer was not applied, I was told those checks were for a credit card that was issued in XXXX and never activated with my mother listed as a co-signer on the account. I had removed my mother as a co-signer on my credit card in XXXX when an old credit card got hacked and I had to get the Fifth-Third card re-issued. I asked the banker and her manager from the XXXX XXXX, over the phone, why I was receiving the balance transfer offer at my apartment for an inactive credit card from XXXX and why the check was accepted initially at XXXX. This is a very shady practice, I had to then confirm the this account was indeed closed and had to complain until the Fifth-Third banker called XXXX to get the bad check fee removed. I then asked for the same balance transfer, that the old inactive credit card from XXXX received, and was told only the marketing department could extend those offers. I then had the Fifth-Third banker call the marketing department and was told they have no control over this and was given the run around with no apology besides " that is how the business is run ''. This was both insensitive and rude. The manger then told me I could only receive the balance transfer offer if I open a NEW credit card, but would have to close my older account which has a much longer, 9+ years, of established credit history. I told them this was unacceptable and was reporting this to the XXXX and Consumer Financial Protection Board.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX 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 personal pieces of information were 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

This was an ID theft and hacking Chase bank accounts to create an illegal wire transfer no contact by thieves with us.. 
In preparing to do XXXX bills for my XXXX yo step-mom, XXXX XXXX , joint account holder, I saw a PENDING wire xfer for {$9000.00} to a person unknown to us. I called Chase Bank immediately and requested a stop on it, Chase bank stated the person used my deceased father 's online ID to gain access. Chase failed to cancel that ID when I provided them the XXXX XXXX and took him off the account in XXXX. 
XXXX did not know how to access the account online and to the best of my knowledge did not know my father 's ID. 
Chase failed to notify the account holders of a very large amount and unusual method of moving funds, as neither of us has ever used Wire Transfers in our banking history. 
They failed to act in a timely manner when I discovered the transaction while it was still in 'Pending ' mode and called immediately to have it stopped.. 
They claimed a person identifying herself as XXXX called the bank to state the transfer was valid without verifying it was really her. At the time XXXX had neither health issues and rarely used the phone and she had very limited knowledge or comprehension these issues. As of this date the refuse to return the stolen funds. 
We have filed a report for fraud and ID theft with the XXXX XXXX XXXX XXXX XXXX case # XXXX, XXXX XXXX XXXX,
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes.despite using Zelle numerous times and reporting discrepancies my financial intuition and Zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING A COPY OF INFORMATION WHICH WAS SUBMITTED TO THE US XXXX OFXXXX  GA REGARDING THE DISCHARGING OF TRUSTEE, AND CLOSING OF ESTATE. THEY WOULD NOT UPLOAD STATING MY CASE WAS CLOSED.
Product: Debt collection

I have tried reaching out multiple times to XXXX and XXXX along with Convergent Outsource to get this situation fixed as they are reporting this account that I do not recall. Continues reporting inaccurate as this debt is not mine. XXXX stated over the phone that they couldnt do anything about this debt as it does not belong to them anymore. So I just kept trying to work it out with collection company nd bureaus. Reporting inaccurate date lest active. Reporting a balance of {$640.00} when account has been transferred. re-aging pushing back the data count should fall off. consecutive charge of as if it was some sort of payment method. I have asked for verification on debt any document that provides my signature stating debt belongs to me. 
I asked to provide a method of verification on and how and where they are getting information from because they continue to report incorrect. I have been answered with the statement bill on this account. this does not provide my signature and does not mean debt is mine. I have actually tried to offer a pay to delete on this debt not because I believe debt is mine. But, because I have tried multiple times to fix the situation. Account is hurting and holding me back from obtaining credit and I need it to get removed immediately. I offered a 60 % on the step as a settlement but I have not heard back on my offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter to XXXX XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXX XXXX XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. 1. XXXX XXXX XXXX : XX/XX/XXXX AND XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for pre approval of a XXXX XXXX XXXXredit card issued by XXXX Bank and XXXXXXXX XXXX XXXX XXXX. Before I applied, I was assured by a XXXX XXXX representative that this would be a soft inquiry. 

Although I was approved, I declined the offer but was immediately informed by all XXXX credit bureaus that a new hard inquiry was on my report. 

I called XXXX XXXX  and they agreed to notify all XXXX bureaus to change the hard inquiry to soft. XXXX and XXXX complied immediately but Experian has not. 

Attached is the letter XXXX XXXX sent me on XX/XX/2023 informing me that they had taken this action.
Product: Student loan

The name of the institution that has my student loan is Loantolearn.com, which I found through XXXX XXXX. 

The situation is that I acquired this loan in XX/XX/XXXX for {$16000.00} and as of XX/XX/XXXX, I still owe over {$12000.00} on it. There 's just no movement on it whatsoever. At the rate I am paying, it will take me an additional 11 years to pay off this debt. 

I was divorced after nine years in XX/XX/XXXX and I do not have that second income to assist in paying my debts. I make a quarter of what my ex-husband made, so I 'm struggling with debt that was in my name but shared in the marriage. I have closed any and all credit accounts so that I am no longer incurring any new debt, and am living paycheck to paycheck. It 's been hard. 

What I would like to do is try to negotiate a lower APR and/or split the balance and just pay that. I can pay it off closer to 3 years as opposed to XXXX, actually 21 years, since I got this loan in XX/XX/XXXX.
Product: Debt collection

THERE IS A {$1500.00} DEBT SHOWING ON MY CREDIT REPORT FROM XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History I HAVE HAD THIS PROBLEM WITH THIS COMPANY BEFORE TRYING TO COLLECT ON A BANCKRUPCY OF OVER 20 YEARS. I HAVE NOT RECIEVED ANY NOTIFICATION IN WRITTING OF THIS DEBT THAT I DO NOT KNOW WHAT IT IS FOR. WHEN I CALL THEY INSULT ME SAY STOP TRYING TO GET OUT OF YOUR DEBT YOU OWE AND YOUR GOING TO PAY NO MATTER WHAT. THEY SAY IT IS FOR A MEDICAL BILL BUT THEY ARE NOT TELLING ME FROM WHERE. I HAVE MEDICAL INSURANCE SO THERE IS NOT A BALANCE OR DEBT. AND IF THIS IS FOR A XXXX DOCTOR THAT I CANCELED MY APOINTMENT DUE THAT MY MOTHER WAS ILL THEN THIS IS WRONG AND THE DOCTOR 'S OFFICE ARE REALLY UNPROFESSIONAL AND THE VISIT WOULD HAVE BEEN {$60.00} BUT I CANCELLED MY APOINTMENT AND IF IT IS FOR AN XXXX, THE DAY I HAD TO GET AN XXXX THE MACHINE WAS BROKEN. THAT WOULD BE THE ONLY MEDICAL SITUATION I CAN THINK OF. I RECIEVED A BILL FROM THE DOCTOR, I CALLED AND THEY TOLD ME IT WAS A MISTAKE AND THAT I OWE NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion keeps adding this account back after it's been removed. I have not received any notice that the account will be added back. 
The account is being reported as an open account and also has been re- aged.
Product: Debt collection

I C Systems ( Debt Collector XXXX filed a XXXX $ bill from XXXX XXXX XXXX XXXX posted XX/XX/XXXX, for services rendered XX/XX/XXXX. Contacted the original creditors to find out that the debt had been paid by XXXX on XX/XX/XXXX, XXXX this Debt has been contested with them several times and they continue to report the debt. 

After several attempts to have them fix this issue, they still claim that it's a valid debt and meets FCRA requirements.
Product: Debt collection

After saving and planning, I contacted this company to settle my debt but instead the egregious employee condemned me and basically said I don't deserve to settle because I spent the money I owed. When I explained to him that I was young and not knowledgeable when I signed up for the XXXX credit card and that I actually only spent 25 % of what I owed and would like to settle for that amount, he refused. Instead of coming to an agreement he argued and tried to intimidate me. He also said they would not take the collection off of my report even if I paid the whole amount and asked for a pay to delete letter. He was totally rude and unhelpful. He cut me off every time I tried to explain my situation and was very pushy and continued to call and harass me and threatened to report to other agencies even after I offered to settle!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian and XXXX Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( XXXX XXXX XXXX )