23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I'm a XXXX XXXX  XXXX from XXXX  and I had a mortgage through flagstar bank and my payments where taken out of my check every 2 weeks and deposited into a flagstar account wich was always locked I could not touch the account. From XXXX to XXXX I made my payments then I started getting letters saying my payments was not made and I was behind but my money was being put into the flagstar savings account that they only could take money out of. Well I got so far behind and hit with late fees that I was like 20 grand behind but my account had the money in it well come to find out they sold my mortgage and didn't tell me. They wouldn't work with me to get the house back they wanted all the money. So I lost the house. They sold it for what I owed and they still are saying I owe them the money I was late on. They are the cause of me living on the streets my credit score is awful and can't get no lines of credit I filled XXXX XXXX XXXX and now I live with family with no car and I have kids. Can you please help me I feel I was victim to fraud and also victim to predatory lending and it has had a huge negative impact on my life and mental well being. 
Thanks for your time
Product: Checking or savings account

Good morning, I have been a member with Chase Bank for quite some time. I have a number of transactions on a regular. Owning over five websites, XXXX stores, along with XXXX stores. Most payments come into my XXXX account. However whenever a check payment is made it goes to Chase Bank. This is my hard working business. Recently a customer purchased a furniture set and other appliances. I pay the suppliers and they ship the products out. After the check was deposited and cleared my account became restricted. Not being able to make ANY payments for any bills. Ive contacted Chase bank. The customer Ive also contacted to call Chase as well. Ive been assured the funds are available from the customer. This is not fair and is inconsiderate of a Bank to treat hardworking members this way.
Product: Debt collection

I received a letter in the mail in early XXXX from IQ Data International Collections company stating they were collecting a debt that had been sent to collections totalling XXXX by XXXX on XXXX XXXX. We never moved received a notice from the apartments stating this debt was owed in the first place. After contacting the debt collections agency directly and providing written proof to XXXX via email that the billed amount was due to a computer glitch issue and we did not actually owe any further money ( see messages below ), they went forward and reported this to my credit. 

Today, I received a notice that I have a derogatory report on my Credit Report from this debt collection agency that your company hired after providing direct proof to them on XXXX XXXXbefore it was ever reported ( please see the emails below ) stating that we do not actually owe anything. This is a clear breach of the FDCPA laws.

I am requesting that this be handled internally by your office to report that this debt no longer is required as it is now on my credit report and they have been unresponsive to me now after multiple attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, 2020 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of ever signing a contract with your company speaking to XXXX she said that there is no contract between me and XXXX XXXX XXXX XXXX XXXX XXXX this service has violated frca laws by falsely reporting and impersonating a company that I signed a contract with I demand you cease and desist all further furnishing of my information to anyone including but not limited to credit reporting agencies, other businesses, etc as I have not and do not give you permission to do so. I have contacted XXXX XXXX XXXX of this company and they are still reporting this information without a contract with me I never opened an account with them
Product: Credit reporting

XXXX XXXX XXXX Bank account was charged off. Account was paid in full to XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX Bank XXXX XXXX, rep id XXXX, in XXXX at XXXX XXXX on XXXX/XXXX/2016. I asked XXXX why XXXX Bank was still reporting this item as a charge off when it was paid and should either be deleted or listed as closed or paid in full. XXXX referred me to XXXX XXXX and advised that he did not have information regarding the charge off and I would have to contact them. It should be noted that I have proof that the payment was made to XXXX XXXX XXXX XXXX XXXX, and still maintain proper receipt with confirmation number as well as the account number in question listed on the actual receipt, which I have attached to this complaint. 

I am concerned with this as I know for a fact that I rectified this account and XXXX Bank still continues to list this item as a charge off. This is affecting my good credit record and continues to affect my credit rating. 

Any assistance in this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I paid the account in settlement. It is reporting a past due after -being paid still reporting every month as a charge off which is inaccurate as well.
Product: Credit reporting

THIS COMPLAINT REPLACES Case number : XXXX : It appears that the credit bureaus are reporting inaccurate statuses for XXXX & XXXX XXXX XXXX tradelines. Never delinquent in 2008. Original creditor refused to remove this information.
Product: Student loan

On XX/XX/XXXX I contacted Mohela because my IDR recertification date was not pushed back by one year per the U.S. Dept of Education. My IDR recertification date states XX/XX/XXXX. The rep I spoke to agreed that it should be pushed back by a year and said that she put in a request and that it would be updated within 3-5 business days. She stated that my payments would remain {$0.00}. I then received a bill from Mohela for {$500.00}. I called Mohela on XX/XX/XXXX and spoke to multiple individuals, rep, team lead and supervisor. They are stating that I was due to recertify my IDR plan by XX/XX/XXXX. That date has passed and they have increased my payments to the standard payment because I did not recertify by that day. According to the Department of Education, if your IDR recertification falls between the payment pause end date ( XX/XX/XXXX ) and XX/XX/XXXX your recertification date will be pushed out a year. My recertification date on Mohela 's website shows XX/XX/XXXX and on studentaid.gov it shows XX/XX/XXXX. Given these dates, according to the Department of Education my new recertification date should be pushed out to XX/XX/XXXX. Mohela said that is not correct and my anniversary date is XX/XX/XXXX. My payments went from {$0.00} based on my most recent IDR application but Mohela is now stating that my monthly payments are {$500.00}. My payments should remain {$0.00} since I should not be required to submit an IDR recertification until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached my ID and SSC to verify my identity. I have also attached a case study ( XXXX XXXX XXXX XXXX XXXX ) to further back my standing Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) in connection with inaccurate information on my credit reports. I believe these inaccuracies are negatively affecting my creditworthiness and financial standing. 

The inaccurate information pertains to the following accounts : 1. XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. XXXXXXXX XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. XXXX XXXX XXXX I have already submitted dispute letters to both XXXX, Equifax and XXXX, detailing the inaccuracies and requesting a correction. However, to date, I have not received a satisfactory resolution. I am seeking the intervention of the Consumer Financial Protection Bureau to address these violations. 

I believe the credit reporting agencies have violated the FCRA by reporting inaccurate information and failing to conduct a reasonable investigation. This has caused significant harm to my credit standing, affecting my ability to secure favorable terms on credit and loans. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX and XXXX comply with the FCRA. I am also requesting that you provide me with updates on the progress of your investigation. 

Enclosed with this letter are copies of the dispute letters sent to XXXX and XXXX, along with any supporting documentation. I appreciate your prompt attention to this matter and thank you for your assistance.
Product: Money transfer, virtual currency, or money service

My friends and I have a XXXX fund that we all benefit from, we put in us money and it goes into paypal and thru their XXXX XXXX  and is changed into XXXX, paypal has put a stop to me doing that with no explanation as to why. The agent I spoke to told me that she was not able to tell me anymore info as their company would not let them, the team that made the decision keeps it a secret i guess but that is all that I have been told. paypal is not longer avail to me for whatever reason they gave me a " User Agreement '' reason but I do not know what I did wrong and can find nothing in the user agreement that specifies anything I am doing. Also all my funds that were already in the account will stay there until 180 days ( 6 Mos ) so I can not get over {$1000.00} out of the account which is needed by me to pay bills that I already have? I also owe paypal {$3200.00} on credit I used does that mean I no longer have to pay that as I am not allowed to move money with there site??
Product: Mortgage

I need a payoff letter from BSI Financial stating that my loan is for two properties. They claim that one of the properties is the main loan so they only put the that property on there. The problem with that is I want to refinance this loan so I don't have to deal BSI Financial anymore and the the problems I have had with escrow, insurance not being paid, a website that only updates once a month, and confusing statements. 
My loan documents state this is a loan for the two properties so common sense says the loan payoff should include both properties, otherwise the new mortgage company can't do a loan if it appears only 1 of the properties is being paid off. 
I believe they are doing this so I can't payoff of the loan and they can continue servicing it.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX XXXX I am writing this complaint because Equifax , Inc. is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Equifax credit file of XXXX XXXX XXXX XXXX Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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: Credit reporting or other personal consumer reports

I have identified accounts on my report that are a result of identity theft. I have not given XXXX, XXXX, or Experian written instructions ( 15 USC 1681b a2 ) or approval to disclose ( 15 USC 6802b ) my non-public personal information. Nor have I received notice of disclosure, or option to opt out ( 15 USC 6802b ), prior to the disclosing of my personal information. The following accounts are being reported fraudulently, against my written instructions and against my right to opt out, resulting in identity theft ( 18 USC 1028a ). These accounts must be blocked within 4 days pursuant 15 USC 1681c-2 : Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXX # XXXX Acct. XXXX XXXX XXXX XXXX # XXXX. I have attempted to rectify this matter, these agencies still fail to comply with 15 USC 1681 and aforementioned codes and laws.
Product: Student loan

Hello- I was approached by a company- SLFD Processing LLC ( Student Loan Forgiveness Department ) to enroll in a permanent loan forgiveness/forbearance/discharge program. I was told that if I made XXXX consecutive payments of {$160.00} that after 10 years, all of my loans would be forgiven. Now I'm discovering that this company is/was a SCAM and is no longer around and the Federal Gov't has closed them down ( see below link ). So now I'm stuck with all of this student loan debt that I was told would be forgiven!!! I'm a new salesperson and I can barely make enough to get by now so having to start paying this debt back??? I'm so nervous about all of this and it's made me take more of my XXXX XXXX XXXX... ..ca n't the Federal Gov't provide a discharge or forbearance program for this since it's based on fraud??? Please advise what my options are and if I can get my money I paid them back as well. The total of my loans is almost {$64000.00} which might not seem like much to you, but for a new sales rep on commission, believe me, it's alot... ..especially when I thought the loans were all forgiven!!! Please me help me!! 

XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

It's a Citicard credit card. I paid the entire balance off and closed the account. The closed account had {$16.00} in residual interest posted to it without my knowledge. I had paperless billing and the account showed closed on my Citi app and my auto -pay was XXXX. The closed account posted about {$50.00} in fees and late charges. I paid the residual interest but when I contacted Citibank about removing the fees and interest I was told " This is how credit cards work, nothing we can do. ''
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete this fraudulent item in my file that are reporting on 3 Credit Bureaus. I am a victim of identity theft and did not make the charge or the account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove this item from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I live in a townhouse and my XXXX has XXXX XXXX and also XXXX XXXX. 
I have been calling my Mortgage Provider Fay Servicing, based to XXXX, to cancel both insurances over the course of a year. 
I have sent them proof of printed faxes I have sent to them. I have recently found out that they paid out on XXXX XXXX XXXX on my property in 2018. 
Everything time they complain they tell me to send a letter to them. I can not speak to anyone in their insurance department direct. 
When I received one response they mention that they credited me {$14.00} on a Lender place Insurance ( as I had another insurance ) and ignoring the fact that I do not need House insurance. 
Who can I get to get these guys to listen to me?
Product: Mortgage

I was subjected to a fraudulent closing on a bank note with XXXX XXXXon XXXX XXXX. AFTER XXXX GMAC and XXXX XXXX all got involved. 
I filed TILA lawsuit XXXX in Fl. XXXX Circuit, and GMAC XXXX XXXX filed case XXXX, and OCWEN later allegedly tried to purchase mortgage servicing rights, but was stopped by Consent Orders with the US Treasury, Federal Reserve, and your office. 
All the issues that created your office came from me and others like me with XXXX XXXX complaints.Today I was subjected to an illegal judgment to sell my home, AFTER these consent Orders, especially on XXXX XXXX. So I want you to intervene with an XXXX XXXX by your attorney or stop them from the proposed XXXX XXXX sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

In

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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: Checking or savings account

I've been attempting to resolve issue of two missing payments, amounts of {$3700.00} and {$500.00} plus estimated IRS taxes, for several months with no resolution. Complaints filed with CFPB prior were replied to by either referring back to prior replies which state checks cashed and or address sent to verified or attempt to state the same, address verified and or checks cashed..The checks were sent to my old address after I moved which was in XXXX of XXXX, it appears the person ( s ) now residing at address possibly intercepted, signed and cashed in my name, which I detailed in prior complaints ... Wells Fargo reps claim to have addressed this issue as well, however, have not, prior replies were reviewed and fraud issue not addressed or issue of missing payments. There is mention of a letter signed, agreeing to {$500.00} payment which again, was sent to old address after I moved and was not signed by myself.. Needless to say, reps are unable to refer to signature forged document. Further, the payment amounts totaling {$4200.00} do not cover damages caused by Wells Fargo reps opening accounts I did not need or want, which was also detailed in prior complaints, issue not addressed. I requested a reasonable settlement offer for sustained damages including two missing payments, no offer made to me to date... Still, Wells Fargo reps continually refer back to prior replies which do not address any of above issues... I've called Wells Fargo executive phone bank numerous times at XXXX, given various numbers to remediation dept, all incorrect. In order to locate correct number, I had to call the company whom issues payments on behalf of Wells Fargo, XXXX, given correct number which I've also been calling numerous times, spoken with several supervisors including a XXXX and XXXX, no resolution to date.. Both reps have put in requests to locate payments as well as reasonable settlement offer, nothing done to date. In closing, the CFPB should avoid sending this complaint to a XXXX, XXXX, XXXX XXXX, XXXX XXXX whom appears to be attempting to avoid further contact by refusing to reply ... Also, Wells Fargo should be investigated by CFPB with respect to their handling of this matter and their remediation dept as a whole, they seem to low-ball offers in attempt to avoid paying adequate amounts. The purpose of these complaints is to afford Wells Fargo opportunity to resolve issues directly, apposed to legal action.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I received an alert from XXXX XXXX saying that I had a delinquent account on my XXXX XXXX through XXXX XXXX. When checking my credit score, Trans Union had dropped my score XXXX points. I contacted XXXX XXXX and they told me that there was no late payment showing on my credit report and that the reporting was not accurate.I submitted a request from Trans Union and my credit score was only adjusted XXXX points. It is not acceptable to drop me XXXX points on false reporting and then only give me 1/3 of the credit score back.
Product: Credit card or prepaid card

This pertains to my Valley National Bank Visa credit card. 
On XX/XX/2020, I paid my bill, in full, through their electronic portal ( the amount of the payment was {$5400.00} ). On XX/XX/2020, a second amount was taken from my checking account in the amount of {$5400.00}. I did not approve the second amount and asked them to return it to my account immediately. 
As of today, XX/XX/2020, they have not refunded my money despite almost daily calls to their representatives ( including their fraud department ). The excuses and rationales have varied from person-to-person, but I have gotten assurance that it is " on it's way ''. I no longer want to wait for my money : They have drained my account and caused by an overdraw to my checking account. I have bills due at the end of the month that will require the money to be returned. 
here is a link to their website : https : //www.valley.com/customer-service