23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My monthly Morgage payment increased by approximately $500 due to escrow shortage that XXXX XXXX XXXX require that I pay over 12 month period (in addition to my mortgage).  I believe the issue is the result of Homepoint erroneously sending me a refund end of XX/XX/XXXX that should have been applied to escrow in XX/XX/XXXX which caused the shortage.  After speaking to various representatives and at least 3 supervisorsecond the repayment was adjusted over 24 months. The lower amount is better however it still causes an unnecessary  strain on my finances. I inquired about the refund several tines before cashing and spending the money returned to me.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft back in XXXX where an auto loan was taken out in my name fraudulently. After speaking with XXXXXXXX XXXX that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. In return it caused me to file bankruptcy because that is the only choice i thought i had. The bankruptcy and XXXX account along with another other items associated with the bankruptcy needs to removed because I did not authorize to have my information reported as well as the items in the bankruptcy are not mines and it has caused me a great deal of hardship as I can not get approved for anything. XXXX has already removed the bankrupt from my credit report and i am needing you all to remove it as well.
Product: Credit card

In XXXX, 2023, a " non-traditional '' payment was made to the credit card company involved, sufficient to almost pay the balance in full, and keep the account open. However, when this company " received '' either a " payment '', or " confirmation of payment '', their response was to close the credit card accounts, and the report the accounts as " delinquent ''. This company has not stated that they do not/ can not /will not " accept this payment. I am not in traverse, nor dispute as to the amount of any money or lawful " debt '' I may owe, but I am also aware that the company involved, is a " dead '', corporate entity, and as such does not, and can not generate energy, and can not produce " substance '', and therefore, they did not loan me any " money '', to create a " debt '', and also can not loan " credit ''. I am seeking an equitable resolution to this matter, as well as preserve my rights. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue regarding the erroneous late payment entries on my consumer report for the months of XXXX and XX/XX/year> with XXXX XXXX account ( XXXX ). Despite previous communication and demands for immediate action with XXXX, I am disappointed to see that the issue remains unresolved. 

As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681a, I have the right to expect fair and accurate reporting of my credit information. 
Additionally, 15 U.S. Code 1681s-2 imposes responsibilities on furnishers of information to consumer reporting agencies, emphasizing the duty to provide accurate information. 

Additionally, I have observed discrepancies in the " last reported '' and " date of last payment '' sections across different credit bureaus. Such discrepancies violate my FCRA rights and further highlight the inaccuracies in the reporting of my account information.
Product: Student loan

In the past, I filed complaint against ( Pennsylvania Higher Education Assistance Agency ) about the consolidated loan term that I never agree with and the borrower has never signed the loan documents and I am wondering how they did without the borrower 's consent. So I need to have all documents relate to the consolidated loan term.
Product: Mortgage

XXXX i got behind one payment, that was XXXX of XXXX i made my payment up to XX/XX/XXXX but still trying to repayment but was paying extra towards the payment i missed. XXXX i was denied a repayment but put on Forbearance plan over one payment. I had been sending extra so from XXXX and i was XXXX and XXXX i could not be that far behind the payment. But i broke the Forbearance and keep sending payments all the way till XX/XX/XXXX XXXX XXXX, XXXX up to XXXX in XXXX of XXXX they messed my loan up again when i looked i was 3 months behind, i ask what months they said XXXX, XXXX, XXXX i sent proof many times but never got credit and i no they got it. After paying for over year over one payment they sent into HARP, with XXXX balloon payment. I was down to 17 years left on loan. i owed XXXX close, then my loan was sent into HAMP that added XXXX plus what i paid for home XXXX come to XXXX so i lost everything i paid and more added. My XXXX payments are not correct and JP Morgan & Chase bank are aware of it but the loan was sold to XXXX they are debt collector not Mortgage company. J.P. Morgan Chase Bank to honor their written agreements with HARP, they broke the agreement when they sold my loan debt collector, Chase was one to service my loan it was not agreement to be sold debt collocation company in 3 months. JP Morgan was paid by the program it like taking the funds from Government then we keep it and he left XXXX. they get paid XXXX for the modulation and Fee 's by the program. forbearance agreements that violate the HAMP program guidelines ; and ... XXXX XXXX XXXX ) .it not in agreement. So the money for modulation and other Fee 's should be returned. Along with my Fee 's that caused my loan to be lost. over XXXX Corporate fee 's others Fee 's, before the Modification even begin. https : XXXX # XXXXn if you look at payments and i can send bank statements i just don't have them on computer JP Morgan owes me for XXXX. But they never replay or try to fix something they did on loan. it been long time and i am tired of messing with CHASE, i been lied to, and my XXXX payments was applied correctly. Like in XX/XX/XXXX XXXX made payment, called on XXXX for a scheduled payment for next month, they ran it as i was on phone never was payment i already made a payment, the loan in XXXX was XXXX
Product: Debt collection

On my credit report there is a collection agency attempting to collect a debt that i have no knowledge of i have never signed a contract with them nor any of there affiliates
Product: Student loan

I co-signed for a private student loan for my daughter in law and when she filed for bankruptcy, the loan obligation transferred from her name into mine. The loan obligation to the loan was reinstated inadvertently to my name - according to AES. At no time did I receive a phone call or letter regarding this issue and as of XXXX XXXX, this started to appear on both of our credit reports, causing catastrophic credit issues. This loan has been past due since XXXX without anyone 's knowledge until XXXX. The past due balance is more than either party can afford and after months and months and several attempts to resolve and issue a feasible payment arrangement with AES, we are still being told there is nothing that can be done. We were told that AES will reach out to the original lender ( which is no longer active ) to see if they can work with AES to resolve the past due and bring the loan current but we still have not received an updated status and we have been calling weekly. We would like to pay on this loan and move forward but we can not find any help. We just bring the past due balance current and remove the past due fees that have applied due to the fact that AES never informed either party that the loan was reinstated. My daughter in law has been paying current loans with AES timely and was never informed that this loan was past due until XXXX.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry -XXXX XXXX XXXX Inquiry- XXXX XXXX Inquiry - XXXX XXXX XXXX Inquiry - consumer  cellular Account - XXXX  XXXX XXXX I tried contacting Equifax to have these fraudulent inquiries and account removed from my credit report because of my abusive dad trying to fraudulently use my social security number to obtain credit I have also provided uploaded document that XXXX was even able to find that out and they removed it from my credit report along with all inquiries I needed Equifax to do the same as well but their customer service would not help and take care of the negative inquiries and account reporting to my credit report as I tried to tell them I work for the government and to also add my employment which I work for the United States postal service Equifax has very very terrible coustomer service
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard inquiries from banks which i never filed for credit card?? I am just seeing this now after amost 2 years ... 2 from capitol one and the other from XXXX XXXX XXXX which i never even hears of?? I also have another from XXXX XXXX XXXX  which i already called and had it fraud because i do not have any credit cards also have a hard inquiry for refinancing my car which i didnt try to refinance because i havent had my car for a year yet so can you please take off the 4 hard inquiries from the banks and also the ome for XXXX XXXX please and thank you
Product: Debt collection

I recently received a copy of my credit report. I have contacted XXXX a number of times concerning this issue and have failed to get it resolved, I am concernec about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. 
MY INFORMATION WAS EXPOSE IN THE XXXX XXXX BREACH, And I believe that XXXX has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : |t also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1 681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 J.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c- 2 ( a ). ''
Product: Checking or savings account

On XX/XX/2022, requested a status update on a few disputed transactions for items not received from merchants I have open with them which have gone way over the 90 day completion date 2 days ago. On XX/XX/2022, I woke up to an email stating my account is restricted and requesting a picture ID and proof of address, which was sent over an hour after receiving the email. The email stated stated it was due to " recent suspicious activity '' on my account, which this bank will not tell me what suspicious activity. I only use this account for direct deposit of my employment checks and everyday purchases such as food or bill paying. I truly believe my account was restricted in retaliation to me asking about those disputes that had not been resolved after over 90 days. I think this was done just to give them more time to stall with the disputes. All of the money I currently have is in this account and I am unable to take care of my basic human necessities or pay bills because I can not access my funds it is going on day 5 of the account being restricted. They have no customer service phone line and do not respond to emails.
Product: Credit card

I used my Bank of America XXXX XXXX XXXX XXXX card ending in XXXX to XXXX XXXX XXXX from XXXX to XXXX for XXXX XXXX XXXX XXXXXXXX child ( XXXX XXXX and XXXX XXXX XXXX on XX/XX/year>, using XXXX premium rewards points ( Air Order ID : XXXX ). Official complaint number registered with Bank of America is XXXX Due to a national emergency declared by the president of XXXX, I was unable to travel to XXXX and therefore could not take the connecting flight to XXXX. All my other bookings including international flights and hotel reservations were successfully refunded by their respective providers due to this exceptional situation. 

However, Bank of Americas travel desk struggled to assist with the refund or modification, despite me calling XXXX to XXXX times. XXXX XXXX directed me to the Bank of America travel desk, but Bank of America never facilitated that communication and kept citing the need for a waiver ID from XXXX, which they never obtained. Everytime, they tried to give different resolutions just to delay the processs This experience was frustrating and unprofessional, especially during a government-declared emergency. I am requesting a full refund or reinstatement of the XXXX points used for this booking.
Product: Debt collection

Elevated recoveries are non professional when it comes to collections. They did not have my address or phone correct. I have never received any bills and argued me down about that I owed something from 5 years ago ... .... 
And the bill they referring to that I supposedly owe was paid by medicaid and all bills were sent to my lawyer and settled. No lingering bills with XXXX XXXX XXXX. My lawyer verified that.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made my regular payment of XXXX to fortiva credit. On or around XX/XX/XXXX, I called to check my balance. The next payment for XXXX XXXX which included a XXXX late fee. I contacted a fortiva agent who told me the XXXX payment was 20 minutes late but that she would waive the late fee. Approximately one week later I telephoned to check to see if the payment had been decreased and it remained at XXXX. I again contacted a fortiva agent who assured me that even though the late fee is normally deducted from the balance, that because the previous agent had told me the XXXX pymt would be XXXX, not XXXX, that a correction, reducing the monthly payment would be made. He assured me that the matter would be handled but that it would take a out 10 days. After about 14 days, I registered a complaint with fortiva at the address provided on the statement. The response was that my letter had been received. " OUR RECORDS INDICATE THAT A LATE FEE OF XXXX was processed to your account on XX/XX/XXXX. A review indicates that the last payment was posted on XX/XX/XXXX and the current balance as of XX/XX/XXXX is XXXX. '' There is no mention of the XX/XX/XXXX payment. Regarding the XX/XX/XXXX payment, the statement I received for XXXX shows XX/XX/XXXX as posting date and not XX/XX/XXXX which would have the date if payment went to next date. The XX/XX/XXXX was a late fee credit and has nothing to do with info I received regarding the XX/XX/XXXX pymt. Fortiva continues late fees and makes calls to me at least 2 to three times a day regardless of my explanations. I relied on info given me on XX/XX/XXXX. I have continued making payments. Any help will be appreciated. Fortiva credit is XXXX XXXX, MO.
Product: Money transfer, virtual currency, or money service

XXXX XXXX is a newly formed, woman led, single owner handicraft business importing handmade decor items from XXXX to share in US market. 
We transferred payment to our vendor as below Inquiry Number : XXXX Submitted On Date : XX/XX/2023 Recipient Name : XXXX Amount : XXXX Currency XXXX The recipient bank has confirmed that they have not received the money and JP Morgan Chase is saying that their transaction is complete and they can not help anymore. 

The money was debited from my business account immediately and there is no trace of the money for last 3 months. 

I am a XXXX survivor and this is a huge sum of money which is causing a financial stress on me and my family. 
Any advise would be appreciated.
Product: Debt collection

I reject MIDLAND CREDIT MANAGEMENTS offer to contract I did not consent to any nonaffiliated third party MIDLAND CREDIT MANAGEMENT XX/XX/XXXXXXXX to be in possession of my Nonpublic Personal Information. I never gave permission to MIDLAND CREDIT MANAGEMENT use or to be in possesion of any of my identifying information. This is a Violation of XX/XX/XXXX XXXX XXXX XXXX They are harrasing me thru email, phone calls, and mail. I HAVE NO CONTRACT WITH MIDLAND CREDIT MANAGEMENT AND I HAVE NO LEGAL OBLIGATION TO PAY MIDLAND CREDIT MANAGEMENT. I have given them verbal notice to cease and desist all illegal activity and communications .I am not requesting validation of any alleged debt as I KNOW NOW that by MIDLAND CREDIT MANAGEMENT obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. FDCPA STATES THAT MIDLAND CREDIT MANAGEMENT DOES NOT HAVE THE RIGHT TO CONTACT ME WITHOUT MY CONSENT PRIOR WHICH THEY DO NOT HAVE. XXXXXX/XX/XXXXSOLD MY NON PUBLIC PERSONAL INFORMATION TO this debt collection company ''. Based on that I now have reason to believe that THEY ALL are conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL extortionate means. There is no TRILATERAL CONTRACT BETWEEN XXXX MIDLAND CREDIT MANAGEMENT THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY MIDLAND CREDIT MANAGEMENT. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FEDERAL TRADE COMMISION ( FTC ) AND CFPB WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM THESE ILLEGAL PRATICES. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND IM CALLING ON THE CFPB TO ENFORCE AND POLICE MY CONSUMER FEDERAL RIGHTS. The collection of an extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT MIDLAND CREDIT MANAGEMENT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH MIDLAND CREDIT MANAGEMENT NOR DESIRE TO. Section 807 ( 15 USC 1692e ) states that no deceptive or misleading practices nothing unfair from a debt collector is to be done. MIDLAND CREDIT MANAGEMENT SENDING LETTERS AND EMAILS IN BIG RED LETTERING HEAD STATING " PRE-LEGAL NOTIFICATION '' IS ILLEGAL AND THREATS TO SEND TO A LAWYER IS VIOLATION OF THE FDCPA .NOW I DEMAND THAT UNDER 15 USC 1692K CIVIL LIABILITY IM NOW TO BE AWAREDED { {$1000.00} } PER VIOLATION AND MIDLAND CREDIT MANAGEMENT YOU HAVE VIOLATED ME THREE TIMES IN THE LATEST LETTER I RECIEVED in XX/XX/XXXX. I DEMAND NOW UNDER THE FDCPA YOU SEND ME A CHECK FOR VIOLATIONS FOUND TOTALING { {$3000.00} } AND CEASE AND DESIST ALL THREATING COMMUNICATIONS WITH ME
Product: Bank account or service

I am the victim of a fraud. The scheme is as follows. I was contacted by someone from XXXX with a request to take care of a pet. The person sent me a check, which I deposited in my Bank of America checking account. Once the check cleared, I deposited the amount into another Bank of America account as instructed by the fraudster ( minus my fee for the services ). As I was suspicious of this, I waited until the check cleared ( on the very next day ) before I deposited the cash ( minus the advance payment for the services I provided ) to a fictitious pet store for food and other pet care. 
Here are the details : On XXXX/XXXX/2016, I received a check for {$2900.00} and I deposited it the same day at the local Bank of America branch in XXXX XXXX, CA. The check cleared the next day ( XXXX/XXXX/2016 ) and I withdrew {$2600.00} and deposited that amount to another Bank of America bank account. On XXXX/XXXX/2016 the check for {$2900.00} bounced back and the same amount of money was withdrawn from my account. I called the bank ( spoke to XXXX XXXX ) and they told me to contact the fraud department. I asked the fraud department why the fraudulent check cleared the next day, while other checks take at least a couple of days to clear. She said the reason was I had been a loyal customer and had been given access to the money prior to the clearance of the check. I think this is misleading as I would have never withdrawn the money before the check cleared. As a result, I became the victim of a fraud and I 'm questioning the bank 's policies regarding clearing checks. I was told during numerous discussions with the Fraud department that the bank 's policy is to allow customers to use uncleared funds if their accounts are in good standing ; however, the policy appears to not be applied consistently as it was only applied once, for the fraudulent check I received. All checks I have deposited so far have taken more than XXXX days to clear. The policy was only applied to XXXX check which turned out to be fraudulent and the funds were deposited into another Bank of America account. The bank did not provide information regarding where the funds went or tried to do anything about it considering the money was deposited into another Bank of America account. 
In conclusion, I believe that Bank of America 's policies and procedures have caused a loss for the amount of {$2600.00}. With my limited income and as a new immigrant, this is causing me and my family an unbearable financial burden and I 'm unable to pay my rent. 
As I have exhausted all other options for resolution, I am writing to you and hoping you could help me understand why the bank 's policies are applied inconsistently. I do not blame the bank for the fraud, I blame the bank 's policies which when applied inconsistently may result in financial loss for the customers. I have also contacted the police which is investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX placed a chargeoff on my credit claiming that I had an account with their company with account number XXXX. I have never resided in Texas nor have I ever given anyone permission to obtain utilities in my name. According to the entry on my credit report, it states that the account was opened in XXXX of XXXX and charged off in XXXX of XXXX. I researched the address where the alleged service was located ant it was in a trailer park in Texas. I am a XXXX  XXXX with impeccable credit and have never received such service or lived in a trailer park in Texas. Nor do I know anyone that lives in a trailer park. This has caused my score to decrease by 111 points and I was about to close on a home and purchase insurance but unable to do so since you put this fraudulent information on my credit. XXXX completed its investigation and determined it was fraud. Notice was sent to them by both XXXX XXXX and myself via certified mail requesting that the item be removed. Yet it still remains on my credit. 
I want the CFPB to publish this description on consumerfinance.gov so that