23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a response to my Attorney General dispute and within the letter this office makes the false claim that XXXX XXXX made payments for several years. She has not made a single payment on this property for nearly two decades. There is not a way possible you can provide any payment on the account. In fact, XXXX XXXX 's online website I have accessed shows they kept applying XXXX forbearance requests over and over. At no point does it show my daughter made a single payment. 

Furthermore, my daughter has a debilitating XXXX  XXXX and is in daily treatment. You can view my claims as baseless all you wish, but you can not find one single payment made by her and your clients own records show not a single payment has been made by XXXX XXXX XXXX XXXX All letters generated by XXXX XXXX show payments " deferred '' or " forborne '' using XXXX funds. No bank account information is in this portal, no payment notices, etc exist - because she never made any payments on this account. 

Furthermore, you do not address that the loan modification is not notarized by either my daughter or XXXX XXXX  showing " acceptance '' of this loan modification. 

If this matter is not resolved within the next ten ( 10 ) business days, a lawsuit will be filed.
Product: Mortgage

My question concerns my mortgage note including the history of the note originating in XXXX. 

The first lender was XXXX for {$35000.00}, 20 years, fixed, at I believe less than 5 %. 

The second Lender was XXXX. During this time I suffered involuntary XXXX  XXXX  and XXXX. I attended two XXXX  schools. I had to file bankruptcy. I contacted XXXX and received, signed, and sent to the bankruptcy attorney a XXXX Agreement. It was by accident several years later I discovered the Agreement was not included in the bankruptcy filing. I contacted XXXX and the attorney ; both blamed the other for the error. The bankruptcy court said I could file papers and pay a substantial fee to have the Agreement added to the filing but advised such attempts are never successful. 

Also during this time with XXXX, due to XXXX XXXX, XXXX, and XXXX  school, I contacted them asking for help. I was told to stop making monthly payments and did so. I went into arrears on two occasions and then was told I did not qualify for programs. I paid the arrears, each several XXXX dollars, and reinstated the note. On a separate occasion, I was given a Modification. The Modification, without having the exact details, added years, percentage points, and increased monthly payments. 

The mortgage then went to Di-Tech and is now with XXXX XXXX XXXX ( XXXX ). 

Currently, I pay {$500.00} monthly at 6.25 % on a {$37000.00} principal and I believe the note is 30 years. I can not find that number from XXXX. 

The note is 18+ years old. I do not know or understand the status of the mortgage and my ownership of the home. The Reaffirmation Agreement must be void. XXXX  considers the note under bankruptcy considerations and treats it and me so. I could not access my account online until recently, after nearly 18 months. I have asked for all paperwork on the account to no avail. 

Thank you, XXXX XXXX
Product: Debt collection

This account appears on all three of my credit reports. The next company is listed as XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account.The balance due has been inflated and reported as a incorrect amount for years. the balance is now {$0.00} after i confronted them about the incorrect reporting amount and status This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.
Product: Credit card or prepaid card

On the early morning of XX/XX/XXXX, I received an alert via the Barclays app of a transaction on my wifes card I didnt recognize. I proceeded to block the card at that time, the next day the following transactions were on my card : XXXX # XXXX XX/XX/2019 {$24.00} XXXX # XXXX XX/XX/2019 {$30.00} XXXX  # XXXX XX/XX/2019 {$87.00} XXXX # XXXX XX/XX/2019 {$340.00} XXXX XXXX # XXXX XX/XX/2019 {$26.00} The next day, I received a call from Barclays in which I confirmed which transactions were fraudulent. We have never bought anything from the stores above, nor do we live nearby those stores. 

After talking to Barclays, they said they would be reversed those transactions from my account. However, after 3 days, the transactions were applied to my account. After contacting them again, they said they have deemed the transactions to be valid and they have closed this dispute without further explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed all three bureaus in the last three months and creditors did not correct.

Loan default and anything that has a negative impact that resulted from the default is not allowed to be reported for loans in fresh start program. XXXX XXXX now has the loan and has corrected their history. This loan was in default with this lender since 2016.this issue cost us 3 months of not being able to replace our dead car. I will be filing through her or small claims to be made wbole by fedloab and the bureau
Product: Mortgage

Regarding : escrowformal complaintmortgage administration errorslack of responseIgnoring and breaking laws XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX among othersRequested company guidelines for conventional loans, deniedReceive unsigned documents that do not respond to specific questionsGiven incorrect informationCustomer service is rude, obstinate and offers hyperboleSends collection notices and calls when loan is paid in advanceDose not provide interest charged, unpaid principle balanceMisapplies payments and addition principle paymentsReferred me to wrong Federal agenciesQuotes laws that do not existShuffled from department to department for monthsWould not give correct name of Company to establish registered agentWould not provide registered agent info for the State of GeorgiaWill not follow terms of noteProvides written answers that conflictInterest not calculated correctly for addition principle paymentsImproper address for letters or letters ignoredRefuses to apply daily per diem to additional paymentsWill not provide statements that reflect interest charged or calculation method i.e. XXXX
Product: Debt collection

Everyday I get numerous phone calls from Navient to collect on my loan. It normally begins at XXXX, sometimes as early as XXXX, and sometimes they like to wait a little after XXXX and right before XXXX. It 's a daily occurrence, they also call me during work, which I have stated to them before is not allowed according to the rules of the company I work for. Yet they continue to do so, using many different phone numbers from all over the country. I refuse to pay my loans when they refuse to show me respect and wake me up hours before I need to.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, my personal information ( banking, Identity, and credit ) was compromised by an employee at XXXX through my cell phone. Since then, I receive a lot of inquires and attempts to apply for credit under my name with the credit bureaus. I have shared this with all 3 bureaus. Transunion is the only bureaus failing to comply with my requests to remove specific information that blatantly showed someone trying to apply for credit in my name.
Product: Debt collection

I received a call from XXXX on Sunday XX/XX/2019. I told them that Sundays were an inconvenient time and to not contact me on the weekend. By informing them of the inconvenience, the laws protecting consumers by the FDCPA should be enforced. Approximately 2 hours later they then called me back continuing to attempt to collect a debt even after they were told Sunday constituted an inconvenient time. They ended up calling a total of 3 times, the first went unanswered but no voicemail was left.
Product: Student loan

In XX/XX/XXXX and XX/XX/XXXX, I was reported 90 days late on several student loans, despite being under the impression that I was covered by an in-school deferment for my daughters and possibly a forbearance. Over the years, I have received conflicting information from my loan servicer, with promises and expectations repeatedly unmet. On XX/XX/XXXX, I was assured by a customer care representative that these late payments would be removed from my credit report. However, the servicer has since refused to correct the inaccuracies. This reporting is unfair and in violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair representation of consumer information. I request immediate correction of this issue.
Product: Credit reporting

I am on direct payment and even though payment was made, their system did not log the payments correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI 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 EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX
Product: Checking or savings account

On XX/XX/2023 I deposited a cashier 's check valued at {$1400.00}, endorsed to myself from my partner into my Ally Bank savings account. My partner had closed an account with XXXX XXXX, received the check, then signed it over to me for reimbursement of other expenses. 

On XX/XX/2023 I noticed the deposit transaction was rejected. I called Ally to ask why, and they said because the original check was not made out to me they could not deposit it into my account. Regardless of it being endorsed to my name on the back and signed by my partner.
Product: Debt collection

I paid the debt in full. I was never sent a letter in order to validate the debt prior of payment. I was forced to pay at the time in order for me to get my apartment rental contract or I would be stuck without a place to live. They are collecting on behalf of XXXX. I never received letters from the debt collector. My apartment manager told me " you have an unpaid collection and it must be paid in full prior to move in ''. I was not aware of any collections on my credit report. They are reporting on all three.
Product: Checking or savings account

Bank Of America explained to me that they have a contract with XXXX and XXXX which means if any of the banking customers are members with XXXX or XXXX they will pay the membership fees no matter if you have enough funds or not in your account ... .this is a problem I reported to the XXXX office and someone from BOA was in charge of the investigation who not only waived the fees but promised this would not happen again ... 
Well it happened again. I am a member of XXXX and they use my debit to withdraw a fee in the amt of XXXX each month ... .I switched my billing preference to my credit card two months ago and not my debit card during my complaint with XXXX. On XX/XX/19 BOA allowed a charge to go through to my checking acct which put me in the negative ... .the day after they charged me a XXXX NSF fee ... .I asked why were they allowing charges to go through to my debit card when it should be declined ... .I also told them that I stopped XXXX from using my debit card months ago ... .they could not provide me with an answer so I asked for a manager ... manager got on the line and told me he was not waiving the fee and he suggested I open another checking account that meets my needs ... I asked him how dare he try to strong arm me into another acct and disregard their illegal fee games for company gain. ..please tell me how I can start a class action law suit
Product: Mortgage

When my loan was originated it included an escrow for XXXX items : 1. property taxes ; 2. Homeowner's/Hazard Insurance ; and 3. a private water and sewer fee. The loan has been assigned to Suntrust Mortgage and they claim that they are not setup to pay the private water and sewer fee. Customer Service hands me off to the tax department, the tax department says I need to talk to the customer service department. I have sent them a copy of the bill, they have a copy of the HUD-1, they can not give me a time frame for their response. The bill is due by XXXX/XXXX/2016. They refuse to give me a time frame to have this reviewed and resolved.
Product: Credit reporting or other personal consumer reports

I received your letter, To REMIND the Equifax Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

I was charged for services that were not provided. Goldman Sachs provided me with a credit card with a guarantee that i'd be protected from merchants who take my money without providing agreed upon services, otherwise known as fraud. I tried to resolve my dispute with the merchant and they would not correct the fraud. So i have tried to resolve with Goldman for almost a year now. I have had several representatives agree with me on the recorded line that this is a fraud situation and I should not be charged however a dispute team at goldman that I am not allowed to speak with reverses this charge with a letter stating " we further investigated the dispute and reviewed any additional information that may have provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. '' even after substantial evidence is provided in writing. This transaction violates both the merchant 's and bank 's agreement with the customer and consumer laws.
Product: Mortgage

In XX/XX/XXXX I received a 1099-C Cancellation of Debt from NOVAD MANAGEMENT CONSULTING LLC, in the amount of {$68000.00} in which I have had to file on my tax return as income for XXXX. NOVAD MANAGEMENT CONSULTING LLC is stating that my payoff amount is in the same amount that I received for the 1099C, {$68000.00}. In XXXX I decided to put my house on the market and closed escrow on XX/XX/XXXX. The escrow company is holding funds in the amount of {$75000.00} until this issued is resolved with NOVAD MANAGEMENT CONSULTING LLC. I have called NOVAD MANAGEMENT CONSULTING LLC serval times in attempt to resolve this situation. I need a XXXX  balance payment statement so that my funds are released. It has been almost two months and enough time to have straighten things out. I called on XX/XX/XXXX and spoke to XXXX, on XX/XX/XXXX and spoke to XXXX, on XX/XX/XXXX and spoke to XXXX, and XX/XX/XXXX and spoke to XXXX, on XX/XX/XXXX spoke to XXXX in which XXXX XXXX back from HUD and said that he would escalate to the supervisor, and XX/XX/XXXX and spoke to XXXX. Each time I called I waited for over an hour and told the same story six times. The only email I received was on XX/XX/XXXX with the wrong payoff amount for {$68000.00}. I have not heard NOVAD MANAGEMENT CONSULTING LLC even after calling them five more times. The Escrow company has also reached out to them. I am stressed and need I help, Please!!
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent Dear JP Morgan Bank, I am writing to address the inaccurate information you provided regarding an alleged account balance. 

Accuracy of Reporting - 15 U.S. Code 1681e ( b ) Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum accuracy of the information reported. 
Therefore, for any information to be considered " verified, '' there must be sufficient evidence to support the truthfulness of the information provided. 

Responsibilities of Furnishers - 15 U.S. Code 1681s2 As per 15 U.S. Code 1681s2, a furnisher of information has specific responsibilities when it comes to disputed information : After receiving notice of a dispute, the furnisher must : Conduct a reasonable investigation of the disputed information. 
Review all relevant information provided by the consumer. 
Complete the investigation and report the results to the consumer before the end of the 30-day period required by 15 U.S. Code 1681i ( a ) ( 1 ).

If the investigation finds the information to be inaccurate, the furnisher must promptly notify the consumer reporting agencies and provide any necessary corrections.

Under 15 U.S. Code 1681i ( a ), when a consumer disputes the accuracy of information on their credit file, the consumer reporting agency must conduct a reasonable reinvestigation. 
If the disputed information is found to be inaccurate or unverifiable, it must be deleted from the credit report. 
15 U.S. Code 1681i ( a ) ( 5 ) states that if an item of information can not be verified, the consumer reporting agency must delete it from the consumers file. If the information is found to be inaccurate, the consumer reporting agency must also notify the furnisher and provide any necessary corrections.

Reporting Inaccurate Information - 15 U.S. Code 1681s-2 Furthermore, 15 U.S. Code 1681s-2 ( a ) prohibits a furnisher from reporting inaccurate information to a consumer reporting agency if the furnisher knows or should reasonably know the information is incorrect. It also prohibits reporting information after the furnisher has been notified of the inaccuracy and has not corrected it. 
Your failure to properly investigate the disputed account and your continued reporting of inaccurate information constitutes a violation of this provision. By knowingly providing inaccurate information, you are violating 15 U.S. Code 1681s-2 ( a ). 
Request for Deletion Due to the failure to provide adequate verification and the violation of the above- mentioned laws, I request that the following accounts be deleted from my credit report : XXXX XXXX I expect a prompt response and resolution within the time frame required by law. If this information can not be verified, it must be deleted from my credit file immediately.
Product: Credit reporting or other personal consumer reports

Please understand that the details in my credit report are inaccurate. It includes addresses, that are not associated with me. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX several times to have this inaccurate inquiry removed from my Equifax credit report. i sent certified mail on XX/XX/XXXX, XXXX it has now been over 30 days and i still havent received a response
Product: Money transfer, virtual currency, or money service

In the complaint record numbered XXXX, I requested that my financial freedom be restricted and that my personal rights be returned in monetary terms during the restricted period.
Product: Debt collection

I received a call from a girl at fidelity creditors in the beginning of XXXX to notify me of an unpaid debt that I had with XXXX. Every time she called I would be at work so I had her contact me at a certain time. When I spoke with her she was poverty passive aggressive, I gave my card number to my Medical Reimbursement Account and then proceeds to tell me that they do n't take that card and to give her another because she knows I have another one. I told her I did n't at the time cause I was waiting for my debit card to arrive and told her to call me in a week. Well she calls me three days later asking for their money, my cell service is n't the best in most areas and the call drops almost everywhere, as I 'm on the phone with her on XX/XX/XXXX around XXXX and the call drops and then she proceeds to leave me a voicemail saying how that was rude of me and disrespectful and I am very uneducated and basically borderline calling me stupid in Spanish. I blocked the number and the calls stopped of course until yesterday someone calls me unknown and it 's that lady so I tell her sorry she has the wrong number and she blows up on me again saying " oh so now I have the wrong number? But I did n't have the wrong number before? '' so I hang up. I called XXXX today and spoke to a rep asking them if I owed them any money that was past due and if I did I 'm sorry and I was willing to pay them directly. She tells me that I have no past due balances and I 'm up to date on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help with my credit file there is a issue with my information not being correct. 
I am applying for a new job and my correct DOB is XXXX my correct SS is XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. PLEASE DELETE THE FOLLOWING INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX CT, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX There is a account on my credit that I never done business with from XXXX XXXX # XXXX. I have never had a XXXX Credit card in my life. 
There was a issue with someone using my ID or credentials to apply for credit/loan I have never apply for credit with the following companies : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX