23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I contacted XXXX XXXX XXXX company because I was struggling paying off several loans. I signed up with them and was advised to send an email to the creditors revoking the ACH of my account. I notified my creditors and all of them emailed me back acknowledging that they received it and was honoring it. Well today I received a email from my payday loan a guy named XXXX saying they do not work with debt consolidation companies and wanted me to setup payments with him. I explained to him that all of my other creditors were going to work with them and I could not afford to pay them and they company handling my debts and I this was me trying to do the right thing. My loan is not late and I was trying to take care of this so it would not have to go to collections. I dont understand why they are not willing to work with someone who is trying to pay them the best way I can and not just let the payment go to collections
Product: Mortgage

Pennymac loan services consistently misapplies my payments leading to calls from debt collectors who have told me on multiple occasions not to change my payment frequency ( twice monthly ). I pay a little over half of my payment twice a month to align with my regular paycheck. They continually misapply the payment and then hound me. They are the worst mortgage company I have ever had.
Product: Mortgage

The mortgage in question was foreclosed on in 2013. This just happens to be the time where my identity was stolen and I could not use my credit to secure refinance. Anyhow, Ocwen mortgage is reporting to XXXX that the payment status is " LATE '' while reporting a XXXX balance, today. I have been denied credit based on this late status and would like to pursue damages in court. I have contacted Ocwen several times verbally and in writing and all attempts have failed. Here is the stupidity of the matter, on XXXX they are reporting me paid in the exact same column that they are reporting and defending on the XXXX report as late?!?!?! One way or the other they are wrong at least on one report! The credit bureaus are useless and claim to report what they are given regardless of any fault or error, they simply report no matter what. This has adversely affected my life and my future. I want the status of the report to be paid as it is on the other bureaus and I would like a list of attorneys skilled in this matter. The account number is XXXX, this is all I have. 
XXXX XXXX XXXX
Product: Mortgage

Nationstar our Lender is denying us a new modification, or Reinstating the Current Mortgage, due to delay in mortgage monthly payments. Our House had Water Damage on XX/XX/XXXX, which the Insurance Co. XXXX XXXX Declined to cover. I contacted Nationstar that same month, and in 2 Registered Letters, I explained in details the situation, and asked for a delay in Mortgage monthly payments for 6-9 months to repair the Ceilings, walls, Insulation, and a new air- conditioning. my Wife lost her job, and my only Income was my XXXX Monthly Income, and XXXX of XXXX for each of my XXXX kids. The Water Damage triggered other Hardships, like borrowing money from Relatives, Medical bills, and repeated repairs to old cars. I lost my Business due to XXXX XXXX and XXXX XXXX, I was given the Current Mortgage, which I was paying on time for 5 years, together with Chapter XXXX Bankruptcy which completed in payments XX/XX/XXXX. According to The Lender 's Loan Overview I Owe {$22000.00} which I ca n't pay to Reinstate the Mortgage, The House has estimated Equity of {$72000.00}, and the Unpaid Principal is {$210000.00}. The solution is simple, Nationstar could add what I owe to the Principal, and adjust my monthly payment, since my wife is working again, or what would be great to deducted from the House equity, and send me the Other {$50000.00} to start a badly need renovation. We ca n't move, because my Wife would lose her job, since it took her 10 years to find a job she likes, Second Renting is expensive, and our Credit Score still shows our Business bankruptcy. The Simple Question is Why These Financial Institutions, decline to help People like me who were Victims of Natural Disasters, When They were helped by The Government??????????
Product: Credit card or prepaid card

On XXXX XXXX I opened a XXXX rewards card. In XXXX  I was sick and couldn't work for some time, so I couldn't make some payments. I called the customer service of the card to inform them why I could not pay, so the payments accumulated and the interest grew. They were difficult times for me. The account was closed on XX/XX/2019. During all that time there were calls and letters arriving at the house about the amount owed on the account. I never intended not to pay. As soon as my health was recovering, I returned to work and also began to pay the debts. On XX/XX/2019, I received a letter explaining that the company XXXX XXXX XXXX XXXX XXXX would take care of my debt instead of BARCLAYS BANK DELAWARE. And of course I also called them and talked to them about my clear intentions to pay. On XXXX XXXX they sent me a letter offering me that if I paid {$880.00} my debt would be fully paid. I contacted them and again they repeated the same offer over the phone and assured me that all the debt would disappear. So I made the decision and paid them the agreed amount of {$880.00}. I complied with the agreement but when I check my credit report now I see that despite all my sacrifices to improve my credit and bring all my cards to XXXX debt Barclays bank delaware continues to report me negative and with late payments and debt with them and this continues to affect me. I contacted them and the response was to continue that negative report for 10 years because I paid an agreement, not the entire amount. How could this happen? They put the amount of the deal and told me that the debt would disappear completely, they never said that in their calls and they did not write it in the payment agreement letter for the total amount of {$880.00}, settling the debt. I need you to please help me in this because it is not fair that after we made a deal and I paid them they do not comply, I feel that they are laughing at me in my face, I know it was my duty to pay them and I sacrificed myself and them pay what they asked me. I need help on this because it's not fair what they did to me.
Product: Checking or savings account

I have an account opened since about 40 years at Chase Bank. 
I can not log-in because of an internal review process of belief that there is suspiscion of fraud. 
I want to tranfer the balance of about USD XXXXto my own Bank account held in XXXX. 
My request has been rejected twice although I have been speaking to " specialist '' representatives during last week. 

I was told just now from a supervisor that it is now in the escalation team of Chase J.P. Morgan. 
And that the account may be allonwing the wire transaction. 

I am an ex banker and specialized in compliance. I amm very weel aware of all compliance and duties of banks. My credit track record is XXXX This sitution is ridiculous and so inneficient for the procedure of the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX accounts belonging to my spouse are being reported on my Credit File, I am only an authorized User on all XXXX XXXX accounts and they are being reported as current on my credit file and should not be on there at all, he removed me as Authorized User. All XXXX XXXX accounts should be removed from my Credit File.
Product: Student loan

My loan stated that if I did community service I could have for forgiveness. I not only did charity work throughout my career working at XXXX XXXX XXXX XXXX XXXX but I took a year off work as a XXXX XXXX for my husband a United States XXXX veteran instead they XXXX my child on XX/XX/XXXX and locked me out on the streets for over two years with no way out not even access to my XXXX  daughter. I get an email back saying its a private loan theyre cutting closing my case I am asking for for forgiveness for my loan I am also asking that if my husband abandoned me on the streets a month after I cosign his student loan that he take back his student loan and shove it up his XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have positive accounts that are not being reported and I have been continuously trying to get them to correct my scores but they are all reporting a negative and low score. I have information showing that my score should be in the 700 's with my continued success of PAYING MY BILLS, I am starting to think that this is all a scam and feel as though I as well as many other American citizens can not believe in this system. I also feel as though this would be a very good topic to start spreading on stoical media as well as a Podcast to answer the American peoples questions regarding their credit. I know several individuals whos credit is very much worse than mine but they all have a better credit score even with all the negative on their reports. that is why I feel it is important for me to get this information out. I do expect for the CFPB to have all 3 credit reporting buraus to correct my score and bring it up to where i know it should be. I have also had XXXX report to me one score but then report another to a financial institution. All 3 were reporting payments not made when payments have been made. Only one has fixed that issue. I have reported incorrect information on my reports to all 3 reporting agencies, they will correct it but then go right back to reporting the incorrect information again with the new quarter. I do not feel as though I can trust that accurate information is being reported or feel that this is ever going to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I spoke to someone at Transunion and explained I was unable to get my credit report online due to a problem with the system. After checking he said that I would have to call another number and they would fix the problem. I called the number and was connected to the automated system. I gave the system the information requested and was told I should receive my credit report in 7 to 10 days. After 10 days I hadn't received the report, so on XX/XX/2018 I called Transunion again and explained that I hadn't received my report. The women said that she requested another report and I should receive it in 10 days. Again I didn't receive the report, so I called them again on XX/XX/XXXX and again I was assured that I would get the report within 7 to 10 days. Unfortunately I still haven't received the report even though I tried 3 times.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX all have been inaccurately reporting inaccurate info on my credit reports from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Several attempts to have them fix the have been made and collectively they all have replied similarly : " the info on your credit report is accurate and been verified ''. The fact that these XXXX companies along with the XXXX credit bureaus have reported inaccuracies for the past XXXX years has cost me and my family greatly and they have no shame about it.
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my SSN card.
Product: Credit reporting or other personal consumer reports

I have a credit card from XXXXXXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2023, and XX/XX/2023, XX/XX/2023. There was an error on their part. I was never 30 days late on these dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference Number XXXX. XXXX XXXX Bankruptcy Bankruptcy XXXX XXXXXXXX XXXX ( successfully removed from Transunion and XXXX ) 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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiries were not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX - XXXX still, they are the only bureau reporting this erroneous account. It is 7 years old and needs to be removed. 
I have current accounts with them and this account you're reporting is not valid or accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been having problems with this company for nearly a year. Issues I am having. 

They keep adjusting balance on a closed account ( see attachments ) -- spoke with them about this, they said that the account is still accruing interest. From my understanding, the account is closed and interest should not still accumulating on a closed account.

Listed on my credit report incorrect -- I voluntarily surrendered this vehicle, they have it listed as involuntary surrender/repossession. I know these two account statuses will impact my credit about the same but according to the fair credit reporting act, any and all information that they distribute must be an accurate summary of my credit history. In addition to that, there is a discrepancy on the balances and dates. One credit report is saying I owe one amount and the other is saying I owe another amount. One is saying my last payment was on XX/XX/XXXX and another is saying the last payment was on XX/XX/XXXX. One is showing the payment status is 30 days late 3x, and another showing 30 days late 2x. 

Requested the repossession paper work and they have been giving my the run around. 
-- In these situation, they typically sell the vehicle at auction and subtract the proceeds from the balance and the consumer owes the difference. They told me that they filed a claim with their insurance company and they bought the car for about {$20000.00} ; however ; they will not send me the paper work. They told me that no one was home when the paper work was delivered. If they sent it certified mail, I should have had some sort of notice instructing me to pick it up from post office. If it was not sent certified, it could have been left in the mailbox. 

I've spoken with different staff member and I get different answers -- Each staff members response/explanation contradicts the previous one. 

I seriously believe that my consumer rights have been violated. Please help.
Product: Mortgage

XXXX XXXX and XXXX XXXX XXXXXXXX have sold my house at auction, according to various third party sources. 
I have no idea what has happend. I was not given a chance by XXXX XXXX to pay the arrears to save my home from foreclosure, Then I discovered that my name had been added to a mortgage loan with XXXX XXXX in 2013 without my knowledge or signature, by XXXX XXXX, attorney XXXX XXXX, XXXX XXXX, XXXX XXXX and USAA appear to have benefitted financially from this transaction, and I am demanding information and to own my house free and clear of any criminals and criminal activity. 
See my many prior complaints to the CFPB, FBI and Division of Banks, and case XXXX Court XXXX  XXXX. 

Furthermore, USAA has canceled my home insurance for an unknown reason and without my input. Please see the attached document. 

Address : XXXX XXXX XXXX, XXXX, MA, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not paid late, I never made a late payment on the accounts ever. Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments XXXX XXXX XXXX XXXX,
Product: Credit card

This is a significant and concerning issue, as it impacts consumers holding any credit card issued by Comenity Bank, including XXXX XXXX credit cards. The complete dysfunction of their website prevents customers from accessing their accounts and paying their bills, creating unnecessary stress and potential financial consequences Here is what happened. I recently visited XXXX XXXX, where they were offering a XXXX XXXX credit card at the counter. I signed up, and everything seemed fine initially. However, once I received the card, I encountered significant issues. I was unable to log in, register, or access my account. The website was plagued with bugs, errors, and glitcheshighly unusual and completely atypical for such a service.

I called the support line, spending two hours attempting to resolve the issue and re-register the card. Despite the extensive troubleshooting, the same glitch persisted even while working with the representative. I was then informed that this was " normal '' due to security protocols and that it would take three days to process.After waiting the required three days, I attempted to log in againonly to find that I was still unable to access my account or pay my bill. This situation is unacceptable.

Comenity Bank has received numerous complaints regarding their website 's functionality and customer service. Customers have reported issues such as difficulties logging in, problems registering accounts, and frequent website glitches. For instance, users have described the website as " garbage, '' citing multiple login issues and an inability to activate new credit cards.

This needs to stop, how in the world can any financial institution function like this. I have never had this happen, and XXXX XXXX is fantastic- who backs my other store cards.
Product: Checking or savings account

XXXX I gave instructions to Marcus Bank to close and transfer money to external account. XXXX cd matures. Marcus said money was transferred to external acct. My external bank Never received record of a transfer. XX/XX/XXXXXXXX Marcus reversed transfer. No reason given. Now Marcus tried to send 4-digit pin. My cell phone number is not connected to my Marcus Account, and my landline wont accept call from unknown system generated number. It just rings once and disconnects. Impossible for me to get code. Marcus then locked my account. After weeks of my calling, they inform me Id have to complete an affidavit and have it notarized. I should have received affidavit in XXXX business days. I was told affidavit was mailed XX/XX/XXXX. It wasnt! The last ( of at least XXXX Marcus employees ) XXXX said affidavit had to be approved before it could be mailed. All new information! Now XXXX said it got approved ( no idea what it was approving ) and was mailed. XX/XX/XXXX. Ive lost sleep over this and am stressed beyond means. I need these funds to pay my taxes. From reviews Ive read, this seems to be a recurring problem with Marcus by Goldman Sachs. I think this bank and its employees are trying to keep my money. No employee gives the same answer. Nor do they try to find a suitable way to get this processed. Thank you.
Product: Credit reporting or other personal consumer reports

I have two hard inquiries on my credit report that I did not approve. One is THD/cbna The other is XXXX XXXX XXXX XXXX I need my accounts protected immediately.
Product: Debt collection

home owner association said i had an {$8000.00} dept of pass due amounts so they collected the rent on my property ( rental value {$1500.00} ) for 2 years collecting total amount of {$29000.00}. 
this is more than XXXXtimes as much. they said lawyers fees, late fees, interest ok so they collected {$16000.00} more .i do believe this is robbery!! but ii want to move back into my home and they want to still continue to collect more money and not allow me back in my home..also they want to collect half the rent rate in the area just so they can continue to make more money from my property.