23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My reputable lender XXXX sold my mortgage to what I feel is a predatory lender Carrington Mortgage Services. I had not received any information from them on making my payments. They didnt send a payment book.I found out on my own that they are charging me for making my payment on time for using either their pay by phone ( {$10.00}. ) or website ( {$5.00}. ). I am just disgusted I might as well be paying a credit card company to make my payment on time. When I called the gentleman in customer service just said different institutions have different policies, well I never signed up for their institution or their policy. My loan was due to be paid off in about 7 years and now I am going to have to look at refinancing just to get away from this unfortunate lender that I never signed up to do business with. I am really upset and at least I am in a position where I can look at another lender, others are not so fortunate. I hope someone looks into this. People should not be punished for paying for their homes.
Product: Student loan

I sent a request in for a hearing ( on XX/XX/XXXX ) in a timely manner but the Department of Education never gave me a date for my hearing. In early XX/XX/XXXX I noticed that my student loans were in default, of course I wonder how since I hadn't even had my hearing. I decided to contact the Department of Education to let them know that I never received a letter regarding a date for my hearing and I was informed that I needed to contact the collection agency which was Coast Professional, Inc. I contacted Coast Professional, Inc. regarding the matter and they directed me back to the Dept. of Education. Again I called the Dept. of Education and they redirected me back to the collection agency. This time when I called the collection agency back, I asked to speak with a supervisor. A supervisor at the collection agency, pulled my file and confirmed that the Dept. of Education did receive my request for hearing in a timely manner but he's not sure why they never gave me a date for my hearing. The supervisor at the collection agency informed me that there was nothing they could do that I'd have to take it up with the Dept. of Education. I'm looking to consolidate my student loans and get out of default, which I shouldn't be in in the first place, and obtain a payment that I can afford. I've recently just found out about this site this is why I'm just now submitting my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with you guys regarding items on my account that are not mine. There are two accounts that are still on my credit. XXXX XXXX XXXX XXXX and XXXX. Please remove these two accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CKS FINANCIAL TOLD ME IN WRITING THAT IF I PAID THE FULL BALANCE OF XXXX THEY'LL DELETE IT OFF MY XXXX AND XXXX CREDIT PROFILE. A MONTH LATER THEY UPDATED IT AS " PAID IN FULL '' AND NOT DELETED AS PROMISED. AFTER A BUNCH OF PHONE CALLS AND LETTERS TO XXXX AND XXXX  XXXX  FINALLY AGREED TO DELETE IT. XXXX  HASN'T DELETED IT YET. A MONTH LATER CKS FINANCIAL WENT AHEAD AND ADDED THE PAID COLLECTION ON MY XXXX REPORT. THEY DID THIS A MONTH LATER AFTER THE COLLECTION WAS PAID IN FULL AND AFTER THEY ONLY ADDED IT TO TXXXX AND XXXX A MONTH PRIOR.
Product: Mortgage

After seeking the assistance of CFPB last year, I was finally able to secure a loan modification of mortgage loan with OCWEN. After going through the required trial period, my loan modification became finale starting on XXXX XXXX, 2015. In addition, I signed for ACH automatic payments to ensure my timely payments. However, the first direct payment was delayed because of supposed internal computer glitches. It appeared the glitches were resolved and OCWEN proceeded to debit my personal bank account for the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments. Therein lies the problem, despite having automatically taken my payments from my account, on XXXX XXXX, XXXX OCWEN sent me a letter stating I was now 31 days past due. In addition, I received XXXX letters dated XXXX XXXX, 2015, with the first letter purporting to confirm my request to cancel the ACH payments and the second letter notifying me that my loan was being transferred to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as of late sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Department. The explanation I'm documenting this objection against them is that Government Law expects them to react inside 30 days yet they have neglected to react
Product: Credit reporting or other personal consumer reports

Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification To Whom It May Concern, As a disgruntled consumer, I demand to be informed of all the measures your organization undertook to ensure the absolute precision of these items by 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency is mandated to furnish a consumer with a detailed account as referenced in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notification that, upon request by the consumer, a detailed explanation of the process utilized to ascertain the correctness and comprehensiveness of the information will be furnished to the consumer by the agency, encompassing the business name and address of any information provider contacted about said information and the contact number of said provider, if readily available ; not later than XXXX  days after the reception of a request for said explanation from the consumer. I previously contacted your company to inform you that I am a victim of a XXXX Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. 

In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax XXXX  breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX Customer Data Breach ( Case 8:19-md-02879 ) Violations of : 1. Proof Credit Transaction. Wet Signature of an Application. Proof of Authorization 2. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( GS BANK ) 3. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 4. Permissible Purpose : 15 USC 1681b 5. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 6. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 7. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within XXXX business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX  XXXX : Balance : {$360.00} | Date Fraud Begun : XXXX XXXX, XXXX XXXX XXXX : Balance : {$650.00} | Date Fraud Begun : XX/XX/XXXX XXXX  XXXX : Balance : {$3100.00} | Date Fraud Begun : XXXX XXXX, XXXX XXXX Avant : Balance : {$1100.00} | Date Fraud Begun : XXXX. XXXX, XXXX XXXX XXXX XXXX : Balance : {$1000.00} | Opened : XX/XX/XXXX I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile
Product: Credit reporting or other personal consumer reports

Fraudulent account never authorized. 
I am trying to pre-qualify for the purchase of a home, and according to the law, there shouldnt be any defamation of character on my credit report or inaccuracies. This account is fraudulent, not mine, and is damaging my reputation as a consumer, which is enforceable by 15 USC and 1681g. ''
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00}
Product: Credit card or prepaid card

I have disputed a charge on my credit card and provided all documentation showing I paid the disputed amount with another method of payment through bank of america. You charged me twice for the same transaction and refuse to remove it. You put the {$540.00} charge back on my credit card on XXXX XXXX even though I paid it on XXXX XXXX.
Product: Debt collection

I received a letter in the mail from XXXX on XX/XX/year>, regarding a balance of {$100.00} that I supposedly owed for an apartment at XXXX XXXX, located at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. However, I have never applied for this apartment nor lived there, as I was residing in XXXX, New York, at that time. Despite calling them a couple of times and leaving voicemails, I have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not address inaccurate credit reporting. I do not have an open mortgage account with XXXX XXXX XXXX as of XXXX The account last activity is not XX/XX/XXXX butXX/XX/XXXX The account does not have a past due amount but has a 0 balanace. The amount status is not 31-60 days past due but Pays-As-Agreed. The account is not open but is Closed. The account does not have a balance but is PAID OFF. The Account Status should be Pays As Agreed on XX/XX/XXXX, XX/XX/XXXX and Paid Off/Closed XX/XX/XXXX. However, XXXX did not address any of the original complaint listed above and in the original complaint. The company keeps updating Account Comments on the account in my credit reporting without updating Account Status and Account Last Activity. The company has not updated Account information sinceXX/XX/XXXX and refuses to addresses these issues after I have called and spoken with several XXXX representatives on several occasions. One XXXX  representative said " We show your account as 'Paid Off '. It is strange why we did not send an update to the credit reporting agencies to update your account. '' Hence, the numerous XXXX complaints. I tried to address this with the company before filing complaints with XXXX   XXXX, and Equifax. The company failed to resolve.
Product: Money transfer, virtual currency, or money service

I was told I would be receiving a wire transfer ( worth {$2600.00} ) on the XXXX of XXXX equivalent to the monetary value of the total amount of unused PTO I had accrued prior to being laid off. It has now been more than 4 business days and neither my personal bank ( Wells Fargo ) nor my employer ( XXXX XXXX XXXX ) and their bank XXXX XXXX XXXX XXXXXXXX ) seems to know where my funds are as they funds have still not yet reached my bank account. I have sent numerous emails to my employer explaining the situation and have contacted both Wells Fargo ( receiving bank ) and XXXX XXXX XXXX ( sending bank ) to no avail. In addition, I have emails stating the amount of money I am owed for my PTO and when it was claimed to have been sent. I also have a supposed receipt of the wire transfer from XXXX XXXX XXXXXXXX provided to me by my employer.
Product: Credit reporting or other personal consumer reports

Aperrently I have an account with citi bank that was closed in 2021. It's has a partial payment of {$2400.00}, which I paid last year XXXX XXXX. I was told to wait 30 days but when I waited nothing changed. I sent proof of payment to chexsystem and was told my receipt was frivolous or irrelevant. Citi bank refuses to update my status & the branches can't do anything ( I've tried ). My consumer id is XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$85000.00} and {$18000.00} respectively. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

Student Connections robocalls me every day trying to collect on a student loan. I do not have a student loan now, or have ever had or applied for one
Product: Debt collection

getting calls from NPG stating they will file case against me for a XXXX XXXX from back in 2019.
Product: Mortgage

Hello, my name is XXXX XXXX. I have a reverse mortgage through Wells Fargo Home Mortgage.Two years ago I had financial trouble and could not pay my property taxes for XXXX. After initially threatening foreclosure, I was placed on a repayment plan. After continuing to repay as agreed and paying my own property taxes for nearly two years, Wells Fargo began threatening me again with foreclosure, only this time it was due to their claim that I did not have sufficient flood insurance coverage. Upon looking at my policy coverage I found that it was {$50000.00}, not enough to satisfy the reverse mortgage amount of roughly {$210000.00}. It is something that I do take partial responsibility for, however if Wells Fargo would only have contacted me then and let me know I would have increased my own policy to {$250000.00}. Never once did I ever recieve a simple letter stating that I had insufficient coverage. So they charged me {$3200.00} for two years of insufficient coverage and threatened me with foreclosure again this past Fall. They then put me on a repayment plan again for that amount. That 's {$3200.00} for two years of flood insurance coverage all along while I was also paying {$600.00} for my own {$50000.00} policy. I told them that I will have my own private flood insurance increased to {$250000.00} in XXXX XXXX and that I would send them a copy of the new policy. Well last month I received a call from Wells Fargo right after the XXXX XXXX and was told that they were charging me another {$1600.00} for flood insurance for XXXX. I told them that I was getting my own policy through XXXX increased in XXXX and at " HALF '' the cost that they are charging me! I am a senior citizen on a fixed income. At XXXX years of age, my XXXX can not take much more of this. I can not believe this is happening when all Wells Fargo had to do was let me know 2 years ago that I did n't have enough coverage. They are charging me twice what my own insurer quoted me and because of that they are now taking half of my social security check each month and I am struggling to be able to afford to pay for increasing coverage on my own flood insurance policy! Please, I really need help here!
Product: Debt collection

Account was paid in full XX/XX/2020. Notified debt collector via certified mail. Still having money garnished monthly.
Product: Checking or savings account

end of XXXX I woke up with my checking account over XXXX in the negative. I live in XXXX tx. Wells Fargo let someone in XXXX Illinois charge over XXXX to my account for gas, utility bills, etc all in one night. filed a report, it took over 90 days to get my money returned causing my car to be repoed, evicted from my apartment with XXXX young daughers, and behind on my bills. wells fargo then returned my money but before i could get it they closed account and mailed in which I've yet to recieve. first they said 3-5 business days, called back wells fargo then said 7-10 business days. Its now been 2-3 weeks. I've since called back and they won't give me any information, explanation, nothing ....
Product: Mortgage

I have requested the Select Portfolio Servicing to review the issues and errors handling my mortgage account ( please ref. XXXX ). 
I have finally received the reply on my request on XX/XX/XXXX! It took a lot more than 60 day admission. I am replying to the company with repeated request to refund my prepayment penalty as I was forced to pay out my mortgage asap because of all the financial distrust they have created by XXXX ) not beeing able to identify the charges on my account and itemize the charges on the statements ( pls ref to the document copies attached ) XXXX ) adding my hazard insurance payments to my escrow with unexplainable up charges without a valid reason and without my consent. 
XXXX ) unacceptable customer service- countless dropped calls, not returned calls, customer service representative luck of competence and inability to address any questions regarding the additional charges, XXXX ) the representative variable explanations on my account charges, XXXX ) errors and discrepancies on my account ( e.g. my name misspelled, etc. )
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was scammed out of {$450.00} through the XXXX function in my Bank of America account. I did not authorize this electronic funds transfer and immediately notfied B of A as soon as I saw the fraud, meeting my oblication under the Electron Funds Transfer Act. I beleived I would get my money back, considerign this was fraud, however after the investigation by the bank they conluced in a letter I was being denied becaue " I GAVE MY ONLINE ID AND PASSCODE TO SOMEONE!! '' Unbeleivable, this was the outcome of their investigation? What kind of investigation was this? Of course I did not give out my private banking information. I called the bank back to complain and the agent could not give me a satisfactory answer to why I was not being protected under the ElectroniXXXX Funds Transfer Act as requred for this unauthorized funds transfer. I asked for the information of the person that took my money on the other end. The agent said they WERE NEVER CONTACTED!!!. What kind of investigation doesnt find out who got this money and if it was authorized or not? this is ridiculous, so the bank in essence is allowing these cyber hackers to take money then don't even bother contacting them to see who they are or if they were supposed to receive a payment? That is their investigation? And I am supposed to be happy about that? This is outrageous! He then proceeded to say I should have my laptop checked for bugs or cell phone, but contradicted himself by saying that if I had a bug it would be my fault anyway because its failure to protect? That makes no sense, the EFTA does not stipulate any such nonsense for moneys that are UNATHORIZED from a consumers bank account. Bank of America is deliberately failing to adhere to their duties under this consumer federal regulation, failing to secure thier customers online funds from hackers and then blaming and treating their customers like criminals instead with half hazard investigations that dont even contact the moneys recipients!!! I asked to speak with a manager to escalate my case and I was sent to a voice message and never received a call back. Not only was my account stolen by thieves but Bank of America is conducting business like thieves, ignoring federal consumer protection laws and wrongfully denying fraud claims through the XXXX  payment system that they own. There must be legal remedy for this individually or I am sure this is happening to many other people on a larger class action level. I will be looking into this very seriously. I am a U.S. Veterand and XXXX   XXXXXXXX, the way BofA is treating its customers is unacceptable. Bank of America can not be trusted with your accounts or your money.
Product: Vehicle loan or lease

American Credit Acceptance - received a payoff for {$41000.00} good through XX/XX/XXXX per payoff quote from XXXX XXXX XXXX. Per XXXX  tracking payoff was received on XX/XX/XXXX.Payoff applied to my account on XXXX showed {$0.00} balance paid in full. On XX/XX/XXXX American Credit Acceptance received my gap refund which is owed in full to me but instead the reversed the payoff on XX/XX/XXXX and reapplied tacking on interest. I was alerted to this because my credit reporting showed a balance of {$67.00} which was not accurate as the loan was paid in full. They sent me a check for {$500.00}. They then cleared off the {$67.00} balance that was not owed to them, no showing {$0.00} balance again the next day. But they have failed to refund me {$67.00}. The initial Gap refund was {$570.00}. Since XX/XX/XXXX I have contacted this company multiple times via chat and calls and they claim someone is working on it. I have exhausted the attempts as there has been no resolution. They do not call or communicate via mail to provide a status. This should not be hard to refund money owed when all evidence shows they reversed the payoff 3 weeks later in order to scam there way in tacking on extra interest to the loan. Also to note during my loan with this company prior I had an issue with them applying my principal only payments to interest, confronted them over the phone and transfers multiple times and they claimed I could not make principal only payments. This company is a scam, if my account is paid ahead and current principal payments are allowed which finally they corrected that issue prior.