23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like request a review of our previous Chase mortgage account. In XXXX XX/XX/XXXX, I requested to have a payment deferred to assist with paying for my daughter college tuition. A severe car accident made my daughter realize that she was better suited for XXXX instead our original college arrangements. Unfortunately, the timing of the situation created a financial burden. I had obtained a XXXX job but it would take some time for the income to make a difference. I contacted Chase to make the arrangements. I was instructed to make the following payments on specific dates, usually after XXXX & was informed it would only have a slight effect on our credit, nothing to compare to if I missed a payment without these arrangements. Later we starting receiving notices of foreclosure & we contacted that mortgage company. They stated that their system does not recognize the payment arrangement & we should ignore them. 
Recently we contacted our bank to refinance a car & they mentioned that it seems it affected our credit as a foreclosure. This same bank also does our taxes & they said the amount of interest we have paid for XX/XX/XXXX & XX/XX/XXXX is as if we completely refinanced our house. Shortly afterwards, I looked at all of the interest statements & the amounts were very erratic. I really believe something went terribly wrong with this deferred payment and it seems to permanently affect our credit & our finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX TRANSUNION and XXXX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency XXXX
Product: Credit reporting

My name is XXXX XXXX. I disputing my students loans. XXXX XXXX has been sending missed payment with reports to my credit for the past couple years. This is frustrating because I am currently in school. My contract them is i 'm not obligated to pay until 6 months after graduation. I contact them and they stated that sometimes it 's paper work error between school and Fedloan services. They keep telling me it 's an error but I am still seeing missed payments on my credit report. How to I get those removed?
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$360000.00}.
Product: Mortgage

I was awarded funds through the XXXX program for struggling Floridians on XX/XX/2022. My mortgage company, Paramount Mortgage has yet to apply my payment to my mortgage account balance. XXXX has ensured me on multiple occasions that the funds were sent to Paramount Mortgage in the amount of {$13000.00}. Paramount Mortgage notified me that they did receive the funds initially, but now they are saying they haven't. Paramount Mortgage hasn't given me a consistent story yet. This is the 2nd complaint that I have filed and they have yet to respond with a detailed answer. Fees are steady being applied to my mortgage account while they are holding the funds that are rightfully mine. I may just be another borrower to them, but my home is much more to my kids and I. I am desperately seeking assistance to save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Debt collection

My daughter and I lived with XXXX XXXX in XXXX, Tn for over 5 years. In XXXX 2017, I ended up moving back home with my parents to help them financially until my dad was able to get his XXXX. My deposit when I moved in was {$550.00} which was also my rent amount every month. I am a single mom with one income no child support who struggled to make it but I always paid my rent. There were times that I was late paying it but always paid it before the XXXX of the month which is consider the eviction date. So they would tack on the late fees of {$50.00} a month which is fine because that was in the lease, I would pay over the amount of my rent ( {$550.00} ) when I had the extra to pay my late fees. I never caused any trouble at my apt . I never had any complaints from them or my neighbors, I never complained to them about anything, in the 5 years I lived with them I only called them 2 or 3 times to come fix things because I would do it my self. The ladies that run the office at XXXX have never been the friendliest people to encounter, they are usually rude and short ( not just to me, but everyone, I have had people tell me they walked out of there office before even looking at any properties because they were so rude ). 
So my complaint and issue with them is, the guy told me on my exit inspection that my apartment looked great and I would get my full deposit back, which I knew I would not because I had some late fees that I owed. They sent me a letter a couple months later stating that I owe {$580.00}. I called them asking how in the world do I owe that much when you still have my deposit of {$550.00}. They stated that they can not use my deposit toward my late fees, which makes no sense what so ever. I basically only owe them {$30.00} but they wanted me to bring in {$580.00} and them turnaround and mail me my deposit back. I told them I would bring the {$30.00} to them but never got around to it because the last few months have been hard as my dad has been sick in and out of the doctors and hospitals, my mom is about to have XXXX, just a lot going on. They have now turned me over to collections ( Rent Debt Automated Collections ) but in the amount of {$780.00}, I am not paying that when they still have my {$550.00} deposit and I technically only owe them {$30.00}. I will gladly drop off {$30.00} to them. The collection amount is incorrect and should not be on my report for that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 American Education Services ( PHEAA/AES ) reported false/incorrect information to the credit bureau causing a huge change to my credit rating. I contacted AES on XX/XX/2023 when I was made of aware of my credit score changing and they confirmed incorrect information was sent in error. I requested they send a correction immediately and they refused. I filed a dispute with XXXX on XX/XX/2023 and reached back out to AES to respond to the inquiry but they failed to respond to XXXX. 

This issue has caused my excellent standing to fall from an XXXX credit score to a now XXXX score. This issue was initiated by AES and they refuse to resolve this matter with any sense of urgency. Due to the negligence of this company my financial status with other accounts is now in jeopardy.
Product: Checking or savings account

Starting from XX/XX/year>, I made endless calls to First Merchants Bank ( Ohio ) requesting to close my checking account. Initially, the manager said that the account would be closed soon. Then, in late XXXX, they requested a notarized letter. I sent the notarized letter to the XXXX XXXX XXXX First Merchants Bank. 

One manager confirmed that he received the physical letter and that he would close my account soon. I waited several weeks after that, only finding that the account was not closed. I called the branch many more times, and they said that the specific manager who received the notarized letter no longer worked in the branch and that the other managers would not locate the notarized letter. However, they added that since they indeed received the letter before, they would still go ahead and close my account. I waited another two months. During this two-month period, I called the bank so many times, and each time, I was told that the account would be closed soon. In fact, the account did not get closed during the two-month period. I called the branch again, and at that time, they mentioned that I just needed to sign a Request for Early Charge Off of a Deposit Account form. I immediately signed the form and returned the form to the manager. They finally received the form and said that my account would be closed soon. Then, in early XXXX, I found that the account was still not closed. I called the branch again, and the manager assured me many times that the account would be very definitely closed in the coming week or at the latest in the third week of XXXX. 

I waited for another two months. In XXXX. I checked online and found that the checking account was still open. I called the branch again twice in XXXX. They said that as long as I could send a secure message from my online banking requesting the checking account, the account would be closed soon. I sent the secure message right away and waited for several days. The account was still not closed. I called the branch again and finally talked to a higher-level manager. The higher-level manager said that I would need to send them a notarized letter again since they could not find the previous notarized letter. She said that once she receives the letter, she will close the account. I have sent the required notarized letter using USPS-certified mail. 

On XX/XX/year>, the higher-level manager called me and mentioned that she just closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX with whom I do not have any contract with reported a delinquent account on my credit reports. I never received any correspoence from them therefore wasnt able to confirm the validity of the charges. As a result my credit repot is blemished with this unauthorized account. I requested method of verification used to determine this debt is valid but they ignored my request. They have not practiced proper credit reporting procedures per FCRA.
Product: Checking or savings account

on XXXX XXXX I received a XXXX  deposit to my checking account with TD Bank from a conmpany im familiar with is call XXXX XXXX.I asked my bank to resend the funds back to the person who sent it to me do to personal issues. my bank reversed the transation the same day, and XXXX the funds were deducted from my acct and returned to sender bank account XXXX XXXX  I was told that the amount of XXXX XXXX XXXX  Dollars will be in the other person account with in 7- 10 bussiness days, XXXX weeks went by and the funds never reached the other person account, causing me to go back to my bank with the person who sent the funds to my account. XX/XX/XXXX my bank explained to both of us that the funds were already sent to his account and also gave us the documets to prove that. We also went to his bank XXXX  and was told to us that they would reopen their claim, the results from that was that XXXX  XXXX  find the funds stock some where and it was going to be release. the person who sent me the funds had to file another claim to reseive the funds that was supposed to take XXXX bussiness days, as of today XX/XX/XXXX he have not received the funds of XXXX XXXX Dollars back to his acct. this situation creating distress to me as well. Because I need it those funds immediately to fund other financial responsibilities and this situation caused me to miss out tremendously.
Product: Mortgage

in regards to this previous case # XXXX. I just faxed the pervious paperwork the XXXX XXXX which she never called me back or told me that I was missing something. I faxed the paper work to her on XXXX2017. I am faxing you the same paper work and you will see that I did faxed them everything and even my pay stubs and banks statements to them. they keep saying that I do n't sent them the information but is false statements. they do n't answer their calls and they do n't even answer their mail and just at the last minute they make the customer wonder what is going on.
Product: Mortgage

I have been attempting to have my issue resolved with Loan-care since XXXX XXXX XXXX They have been extremely difficult to work with and lie about investigating and fixing the issues with my mortgage account. i have called numerous times just about 30 or more attempts explaining where they have my information mixed and yet they still continue to report that i am passed due 2 months. I was originally set to come out of my forbearance in XX/XX/2022 i payed that month like i was told to do so. Due to some issues with underwriting and at no fault of mine Loan-care then gave me a new date for me to come out forbearance and that was XX/XX/2022 and again i paid that month as instructed. In XXXX i called to make my monthly payment and was informed by the representative that XXXX was already covered due to my payment in XX/XX/2022. He informed me that i did not have to make a payment at that time and the next due date was XX/XX/2022. From XX/XX/2022 to now i have paid my mortgage every single month and have even submitted my bank statements to loan-care. They continue to harass me with phone calls twice a day and have even sent Foreclosure documents to my home. Now they have ruined my Credit Score with the false reporting i am behind {$3000.00} dollars or two months delinquent. When i call There is not 1 representative that can resolve my problem even though they see where the mix up is. I have not received any help and they continuously try to harass me for the 2 months they are stating i missed. My life has been in shambles because of this i cant apply for credit lines to help my business or my personal life overall my credit and its reputation have been ruined i had 100 % on time payments my whole life beginning in XXXX. I speak with Loan Care every single month atleast 2-3 times have done so since XX/XX/2022 and no one has helped me. I have spoken with Loss mitigation and Supervisors countless times and yet they still havent resolved my issue. I am not behind on my mortgage and i work hard in order to pay it every month. I even contacted XXXX XXXX XXXX XXXXl and signed up for someone to help me. They contacted loan care and was giving the same run around they have given me for months. Please help me get my credit back in its good standing and for loancare to finally resolve this issue
Product: Credit reporting 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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$520.00}. 
XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
XXXX XXXX  XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Debt collection

I received a Credit Alert from Equifax for a collection debt from BYL Collection for a XXXX XXXX XXXX bill which I do not owe. First of all, when I disputed this claim, I sent a letter to BYL asking what this was about. They sent a letter on XX/XX/XXXX with a bill accompanying the letter for a gas bill from XXXX XXXX with this information on it : XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX My name is XXXX XXXX and I live in Idaho. I have never been to XXXX, NV nor do I use XXXX XXXX XXXX which is not even available here in Idaho as far as I know. The correspondence was sent to my correct address with incorrect data. I am in the process of refinancing my home and this is a bad mark on my credit report. I need this removed. I see that my credit score dropped almost 100 points because of this. The reason I know this is because the bank sent the 3 credit report findings and XXXX is the only one listing this fraudulent claim. My scores are in the 700s for the other two and 600s for XXXX. I need this removed from my credit score and I am not sure what else I can do. Please let me know what you can do to help me. Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There were two hard inquirers when checking my credit karma account. They are XXXX CARD SERVICES ( Bank ) on XX/XX/XXXX. 
And XXXX CARD SERVICES ( Bank ) on XX/XX/XXXX. The addresses reported with these are XXXX XXXX XXXXXXXX XXXX, KY XXXX and XXXX XXXX XXXX XXXX, KY XXXX. Neither of these addresses have I ever been a resident at. Two of the names used are not my government name ; XXXX XXXX and XXXX XXXX XXXX. I have never applied for a XXXX Bank card.
Product: Money transfer, virtual currency, or money service

Late last year I was contacted via XXXX using the name XXXX XXXX. She/he persuaded me to go to XXXX and continue chatting using the phone number : XXXX XXXX XXXX. After a short time, she/he convinced me to open a coinbase wallet and join a mining pool run by XXXXt. Over the next 9 months I 'invested " over XXXX XXXX USD buying Ethereum but when I tried to sell the Ethereum XXXX XXXX disappeared along with all my money. All monies were sent to this XXXX. I have contacted Coinbase who absolutely refuse to take any action repeating over and over again that the only way for anyone to access my Coinbase Wallet is if my 12-word recovery phrase has been compromised and that did not happen. Furthermore Coinbase was made aware of fraudulent dapps operating on their platform as early as XX/XX/2021 as shown in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX COINBASE WALLET, COINBASE, INC., AND COINBASE GLOBAL , INC.
Product: Money transfer, virtual currency, or money service

Theres a XXXX charged that was refunded multiple actually that they haven't given me credit for. The last uber charge in question was the last straw I demanded for them to refund me back my money as im paying the bill for a charge that was refunded. Any email response is generic and don't attempt at all to provide a solution. 

I told them I will no longer pay for anything on the service until this is fixed now they are threatning to charge more fees and submit unpaid account to collection. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late ( XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Payday loan, title loan, or personal loan

I got a XXXX loan from covington credit in XXXX i had a job at XXXX Needed it to help my son.I have been paying on it for 5 years, I still owe XXXX .they said they were helping me on months I couldn't make payment by refinancing for XXXX dollars .they told me it would help my credit scores .they would call every 5-6 months saying I have money like 30-120 I can pick up I earned it .and at first it was a month or 2 added on.I had to stop working in XXXX due joint XXXX .they offered to help I believed them cause They always said and talked about XXXX .they used my belief in higher power to earn my trust .I ended up having XXXX XXXX my husband started working in new mexico my XXXX was expensive.I called and said I could not keep paying them .I wanted to pay it off but they would convince me to take their handout which wasn't one .when I told them it would be a few months before I could pay on it .the manager showed up and brought district manager and threatened me .the manager acted like it was not him .they threatened me with taking my things and sueing all that .so on crutches I had to go into office where they convinced me I needed to refinance again.XXXX  when covid hit my husband was layed off i couldn't pay they offers to lower payments to XXXX a month for 4 months .they didn't tell me they were gon na charge me .I checked the amount I owed in XXXX it was XXXX and we were gon na pay it off and be done .but they called in XXXX a week before XXXX and said not to worry about the payment and they were gon na put XXXX in my account for XXXXI checked my stuff a few days agO XX/XX/XXXX it said XXXX was still owed I was shocked and confused and angry I looked at it in disbelief ..I looked online to get help I seen so many bad reviews and that was the XXXX .I seen all I could do so I followed steps I sent message to covington that im not paying XXXX for a loan that should of been paid off and did not call me or come to my house again till I contact u with a lawyer or debt consolidate.XXXX  XXXX XXXX XXXX .they started calling me that afternoon and next day which was a Saturday .I 'm not that smart on loans and interest I'm a trusting person and I have been thru so much in the last 5 years.I was paying XXXX a month on this loan even with the handful of times I picked up XXXX XXXX which XXXXwas only once the others were XXXX XXXX thru the 5 years and I missed only a few months during XXXX XXXX and when I stopped working I missed one month .then we made 4 months of 30 payments to cover.so I don't know how this happened.they lied .used my faith and threatened me .Covington credit XXXX tx office .I have called a lawyer and they are in violation .I want to understand how its not paid off .I 'm not paying another penny.
Product: Credit reporting or other personal consumer reports

I am requesting that the late payment markings be updated to reflect my accurate payment history. Kindly correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be removed right away. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.