23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I purchased at home and due to us outgrowing the home decided to move XX/XX/XXXX and do a lease purchase. Because the economy was down I rented out the home I owned ( XXXX XXXX XXXX XXXX XXXX, Ga. XXXX ). The rental tenant trashed the home and the home has been vacant since XX/XX/XXXX. I agreed to do a short sale with XXXX who owned the home at the time and they declined both offers so I begun the foreclosure process but in XXXX the sold the home to XXXX and the foreclosure process started over. They stated in XXXX there were title issues getting correcting before they could foreclose. XX/XX/XXXX I filed bankruptcy to protect my credit from this property. XX/XX/XXXX the bankruptcy was discharged. The home was still not foreclosed on. In XXXX it was sold to BSI financial. I have reached out to HUD and HUD states they have already paid the claim on the property at XXXX XXXX XXXX XXXX XXXX Ga. and it should have been foreclosed on when the claim was paid in XX/XX/XXXX. I have tried to contact BSI Financial to request that they move along with the foreclosure and the person over our loan does not contact us back and the call center representatives state they can not discuss it with me. Somebody at BSI needs to discuss it with me as it is in my name and nothing is being done. I have sought legal advice and he did a title search and states there is nothing wrong with the title preventing them from getting it out of my name and proceeding with the Foreclosure. This has drug on since XX/XX/XXXX. The house has been broken into, it has been gutted of it 's copper wiring, and appliances have been stolen. I feel that this house is a hazard to the community and I wish for it to get out of my name so that number one I can move forward and repurchase again someday instead of becoming a permanent renter, and number two so that if someone gets hurt at the property of XXXX XXXX XXXX XXXX XXXX Ga, they can not come after me. Even though I am no longer responsible for the payments or debt, it is in my name and preventing me from moving on with my life. I have a family, I need to purchase a home and provide them with stability and I keep getting excuse after excuse as to why this home is not foreclosed and I 'm also concerned why if HUD paid the claim on the loan, why this was not taken out of my name then? The title issues that XXXX mentioned did not prevent them from selling it to BSI Financial and again the attorney said here are no real title issues preventing it from getting out of my name and foreclosed on. I have no access to a property in my name and do not wish to have access, but I do with for someone to have the decency to let me know when this foreclosure will take place and what the hold up is this go round. I lost a lot of money walking away from the lease/purchase I was in because of this property issue not being foreclosed I could not have XXXX FHA loans and I am having to rent homes and that is getting old when I have good credit and established employment and should be able to buy if they would foreclose on this property like I have been told since XX/XX/XXXX was taking place .... when??
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my credit reports and my report showed that my Fed loan accounts " Needs Attention '' Upon checking the status the account read that I recently missed a payment on this account. However no delinquency existed. I am asking for a investigation, this account is in deferred status and no payments are required.
Product: Mortgage

Nationstar Mortgage LLC d/b/a Mr. Cooper assumed my mortgage in XXXX of 2022. I spoke with them on the phone at that time because the principle was incorrect. Also at that time I spoke with them about PMI, they also assured me I would not be charged PMI as I had over 22 % equity in the home. They have been charging me PMI for the past year. A sum of {$810.00} has been removed from my escrow account over the past year.
Product: Vehicle loan or lease

I'm a victim of identity theft. Someone has my information and bought a brand new XXXX  XXXX XXXX. They took out an auto loan with Wells Fargo. I'm trying to put a stop to all of this. Already froze my credit bureau accounts and made a police report.
Product: Mortgage

I have previously tried to refinance, thoughout Fall XXXX, and am now currently trying to sell a property, which I received down payment assistance on and financed with Ameris Bank. There are two liens on the property, one for the mortgage and one for the down payment assistance and they both come up in the title search. Previously and now, Ameris Bank has failed to provide the payoff amount for the down payment assistance, stating they have no record of it, but it comes up in the title search. I reached out the XXXX XXXX XXXX XXXX XXXX XXXX, the party who provided the funding, and it was stated they only provide the money to the mortgage holder but does not hold the lien itself. This has caused intense and undue hardship, as I am scheduled to close XXXX XXXX but am unable to do so, due to Ameris Bank intentional stagnation. When the attorney for the buyer reached out to get the information on XX/XX/XXXX, she was under the impression that it would be a relatively quick turn-around, but when I called myself, I was given the date of XXXX XXXX for them to investigate, but this is the second time and if they couldnt find between last XXXX and now, then they dont have it.
Product: Debt collection

I have received numerous calls from this company and have submitted XXXX separate complaints prior to this one. On XXXX they called my brother, sister, wife, sister in law and nephew. They keep leaving recorded messages for me on my nephews voice mail. In the call to my sister on XX/XX/2016 they said they were calling from XXXX and said that I listed her as a contact person and that she does n't know but it may be a timing issue and that she needs her to verify some information and told my sister my address. My sister asked her to email her a copy where I put her down as a contact person. The woman said she 'll just put down that I falsified information. 

Firstly, I have never given this company or this person prior express consent. 

Second, they threatened legal action in an attempt to intimidate in a call to the cell phone of my mother in law. 

Thirdly, they disclosed the last XXXX digits of my social security # in a voice mail in a call placed to my mother in law. 

Fourthly, they placed a call using automated telephone equipment or an artificial or prerecorded voice to my cell phone as well as the cell phones of my mother in law, sister in law, brother, sister, nephew and wife. 

Fifthly, they disclosed my address to my sister. 

This company is menacing, threatening, stalking and harassing me and my family.
Product: Credit reporting or other personal consumer reports

I Have 4 Inaccurate Late Payments On My XXXX Credit Building App I Made These Payments & It Was Rejected By Software Malfunction. I Ask That You Please Delete Those 4 Inaccurate Late Payments Off My Credit Report Please By Law. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Those 4 Inaccurate Payments Are Stopping Me From Buying A Home. Can You Please Remove Those 4 Inaccurate Payments Asap. 
Thank you & XXXX XXXX.
Product: Checking or savings account

I had some money coming out of my account and they was charging many overdraft charges. Other company hit the account and they would charge me through my accounts
Product: Checking or savings account

US Bank has placed lates on my credit report with no attempt to resolve the delinquency, This appears to be some type of credit parking. Just placing the late and delinquent amount on a consumer 's credit with no intention to contact me. They are also charging me late fees and a {$20.00} fee each month since XXXX. 

In XX/XX/XXXX I used my ATM card thinking I had money in my checking account and took out {$300.00}, they approved the charge and gave me the money. I did not know that I did not have the money in there because this is not an account I used often, but an account I had some savings in and had needed for a 2nd mortgage i opened over 10 years ago. They used some type of over draft account I had and was not aware of this. 

In XXXX I sold my home and US Bank was notified. I also put in a forwarding order with the bank. I moved to paperless statements at some time as well. I had no need to access statements for US bank because I was not using their service. Well today when I accessed my account online I saw the delinquency and immediately paid it. 

They made no attempts to help me resolve the delinquent account before they parked this delinquency on my credit report and charged me over {$130.00} extra, which was paid. My phone number has not changed and no calls or messages have been left for me.
Product: Debt collection

I have no idea what the letter is I just received I do not have anything like that I see on the letter it says that I had an account as of XX/XX/XXXX but no I do not have anything like that and it says that I owed XXXX Im receiving the letter and Im really confused stop sending me this letter Ihave never had an account
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated names ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX are still listed under my personal information.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent XXXX data breach and may have gotten
Product: Credit card

XX/XX/XXXX - I received XXXX separate charges ( {$100.00}, {$120.00}, {$120.00} ) to my XXXX Credit Card XXXX Goldman Sachs Bank USA ) within seconds of each other from XXXX XXXX in XXXX CA. It was XXXX pm and because I get notified when my card is used I immediately called XXXX XXXX and told them I was almost XXXX hours away in XXXX CA and I was not authorizing any charges and was not there using my card. I was in possession of my card, did not share my information or card information with anyone, and have never experiences fraud before. The women took my info down and said she'd tell her XXXX. I then immediately disputed the charges in my Apple Card XXXX and started chatting with XXXX to notify then that the XXXX charges were not made by me. XXXX staff immediately paused the charges and said they'd investigate based on the information above. 

XX/XX/XXXX - All three charges were reinsated and charged back onto my XXXX Credit Card. I Immedietly reached back out to XXXX support via chat and phone call. XXXX XXXX the support staff told me I needed " proof '' for them to reopen the claim that the XXXX charges were fraud. I asked what they meant by proof and he said " I don't know, anything. '' I proceed to send them screen shots of my location in XXXX CA while the card was being used at XXXX XXXX in XXXX CA, I also re-sent them screen shots he charges added back onto my card, and screenshot of my call log showing I reached out to Domo XXXX immediately to tell them to stop payment and I was not authorizing charges there. The XXXX staff via chat said they'd re-open the fraud complaint and have someone call me. 

XX/XX/XXXX - I received a call from XXXX XXXX ( XXXX ) XXXX regarding my fraud claim, I missed the first call and called them back immediately. The person I spoke with said that they looked into my claim and that they would be removing the charges from my credit card. I reconfired 3 times that the charges would not be added back to my card and that the fraud filing was accepted. They confiremd and the charges were removed. 

XX/XX/XXXX, XXXX The fraudulent charges were AGAIN added back onto my Apple Card, and I received an email saying that they'd investigated the dispute and the merchants charge will remain on my card. 

I am at a loss of what next steps to take, I am unable on my card App to refile a claim again. I also do not know what more I could have done to immediately report the fraud, alert the XXXX and XXXX. How are consumers protected from fraud via XXXX XXXX if there is no legitimate way to report and remove fraud?
Product: Bank account or service

This complaint involves my previous issue with Scottrade Bank and the transactions from XXXX. What is it going to take for you people to wake up??? XXXX stole my money, plain and simple. This " company '' is not even allowed to do business in the U.S. or with any U.S. citizens. That, in itself, is enough to make these transactions null and void. Contact the SEC and the CFTC and they will tell you the same! I 'm sure you have their numbers.
Product: Credit reporting or other personal consumer reports

SYNCB/CARE CREDIT fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). SYNCB/CARE CREDIT is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Student loan

I 've had several issues with my federal student loan managed by UAS XXXX. My account is currently set up for auto pay and it is scheduled to be withdrawn on the due date. They have changed the amount due on me twice after my auto pay was scheduled without updating my auto pay amount or notifying me of the change, and reflected both events as a late payment on my credit report. I spoke with them by phone on both occasions, and they could not tell me why it happened. 
I 've also contacted them in excess of XXXX times in the past year, both by phone and email to update my mailing address on file since I moved. They 've reassured me multiple times that they 've fixed the issue, and two days later my account is reflecting my old address. They 've sent tax and billing documents to my old mailing address because of this, which is extremely upsetting because of the information contained inside these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all hard credit inquiries removed from my credit report, they are making my credit score very low and I am not happy, I work very hard to have good credit scores and when looking to make my credit score Increase I needed more open accnts so that's exactly what I did, i have several credit cards and other loans all with 100 % payment and very good payment history my credit card utilization is very good as well, I have close to 30,000 dollars worth of credit and use maybe 5,000 of it all of witch I pay on, 4 times a month you need open credit and good payment history for a good score all is great except the hard credit inquiries, in my defense how was I supposed to increase my credit score unless I did exsaclty what XXXX XXXX said to do and open more accnts, now because of all the accnts I have in great standing the hard inquiries to get those accnts are destroying my credit report makes no sense, please remove all hard inquiries from my credit report so that my score will go to the XXXX to XXXX score I should be at ... .thank you very much sincerely, hard working great on time payment, works hard to have good credit and takes pride in good credit. XXXX XXXX XXXX ... ....
Product: Student loan

My student loan status has been forbearance, but they still charge me interest as Unpaid Accrued Interest. Despite the fact that the interest rate would be 0 % during the forbearance, it still shows interest other than 0 as well as unpaid accused interest.
Product: Money transfer, virtual currency, or money service

On the XX/XX/XXXX. I 've made a deposit over 1000via SEPA to Coinbase 's bank. It stated that my money will be available after 3 business days, but even today I have n't received my money. 

I 've contacted the support multiple times, but never got a really helpful reply. Except " wait for a specialist ''. After browsing through multiple communities online, I 've seen that there are many more, having the same issues.
Product: Vehicle loan or lease

A XXXX XXXX dealership in XXXX XXXX, Florida sold me a car based on the idea that I would have gap insurance and never included it in my contract. The actually cash value and XXXX XXXX XXXX value of the vehicle is {$6800.00} less than how much I owe on the vehicle, which is {$15000.00}. XXXX is only willing to pay the cash value of the vehicle and XXXXXXXX XXXX   denies ever having gap coverage in my contract. I was badly injured in hydroplane car accident and when I tried contacting the dealership, they only had records of my vehicle. They had switch from XXXX to XXXX 's XXXX dealership. I do n't have {$7000.00} to give out of my pocket for a vehicle that I could only have bought brand new from XXXX XXXX, as they would n't sell me a used car. XXXX XXXX Customer Service basically said that they get their payment from XXXX and leave me with that overpriced bill expecting me to pick it up. And they told me they did n't know how collections would handle it.
Product: Debt collection

Debt Recovery Solutions Inc. has placed SIX medical collection accounts on my credit report and additionally has sued me in court ( its still being litigated ) at the time of this complaint, prior to even notifying me of any such debts to give me the opportunity to dispute them. I have exhausted every option I have to tell these people these are NOT my debts. I have repeatedly via email/phone calls/open court/mediation, asked them to supply me with something tangible that these debts are MINE. They decline to provide any such documentation. All they have provided me with are invoices of a hospital bill for someone with my name and the  invoice is for XXXX dollars. I have contacted the alleged original creditor ( s ) all of whom say I have no outstanding debt with them. These debts are 6 and some 7 years old. I was unaware of these debts until being sued in court. I have worked with these people to prove this debt is not mine. They are the ones trying to collect seven year old debts, the burden of proof should be on them. I am innocent until proven guilty, and the are offering no evidence of my guilt. I have only the copies of the bills that were given to me in court. Prior to that Ive never received a bill/statement, nothing from this company!
Product: Credit card

I Received a credit card form my bank witch is Bank of America of which i did not apply for they sent me a card in 2005 i just found out the it is illegal... not only that but the credit limit went from XXXX to XXXX, ..i, m not sure what to do but i have been paying it off through a debt consolidation ..what too do now???? please help
Product: Student loan

It takes hours for MOHELA to answer the phone and it has failed to make progress on loan forgiveness. 

You can't get in touch with anyone at the servicer and I haven't been credited for previous payments made prior to the pandemic. 

This is a negligent breach contract, of fiduciary duty and violation of federal debt collection laws.
Product: Checking or savings account

We have a savings account with CitiBank opened in XX/XX/XXXX. For several months we've transferred the interest earned on this account into our external, personal checking account, via desk top computer and the internet website for our account. We tried to do this around XX/XX/XXXX. XXXX but it would not let us transfer the money. We've called CitiBank various times since then but still can't get our money ( {$26000.00} ) out of this account. When we call them we only get foreign speaking people so the communication is nearly impossible. Everyone we talk to claims to be a supervisor. We've had no results. We want our money OUT of this virtual XXXXXXXX.
Product: Mortgage

I had a USDA Rural backed loan that originated in XXXX of XXXX. In XXXX of XXXX, this loan was assigned from XXXX XXXX  to Carrington Mortgage Services , LLC . 
In XXXX of XXXX, I modified this mortgage through the HAMP program. 
The loan balance of approximately {$160000.00} was reduced by a subordinate mortgage of {$43000.00} that would be due on XXXX/XXXX/XXXX, with no payments due in the interim. Leaving a 1st loan balance of approximately {$120000.00} at this time. 
On numerous occasions I have requested a payoff request and/or a lien release in regards to the subordinate loan from : Carrington, from HUD, from USDA, from FHA, and from XXXX XXXX XXXX. Each of these entities has denied that they are the servicer and/or can not locate any trace of this subordinate loan. The only payoff that was provided was by Carrington for the 1st loan, without including the subordinate loan balance. 
There are multiple loan numbers, case numbers, and reference numbers on my documents, but none of them are able to assist in the location of this subordinate loan. 
This issue is directly impeding the sale of my home as the title company is refusing to insure the title and the closing deadline is just a little more than 2 weeks away. I have advised each of these entities of the ARS 33-715 - regarding payoff demands and that I would be entitled to damages currently estimated to be more than {$330000.00} the offer on the home plus other costs associated with the sale and enforcement of my rights under this statute. Also, each entity was advised that under this statute that I am entitled to {$500.00} whether or not there are any damages incurred.