23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XX/XX/2016, my company received a letter from Citizen 's Bank with a check in the amount of {$9.00}. The letter was confusing as was the amount. After our numerous requests for an explanation from the bank, the matter was recently escalated to the Office of the Chairman who sent a letter indicating that this amount resulted from an action described here : http : //www.consumerfinance.govXXXX. When I phoned the signer of the letter ( XXXX XXXX, Office of the Charman ) today, he advised that the amount owed to my company was carefully researched. I asked for details. When did this discrepancy occur? Was it one deposit or multiple? He indicated that Citizens is not required to release this information and confirmed that he will not be doing so. I asked how can I be sure the amount is not XXXX cents or XXXX dollars. He confirmed that I would have no way to know this. He also advised that there is no one further up the chain at the bank that can further address my interest in this. I am not satisfied with this answer. I am also disturbed that it took me months to get this response from the Office of the Chairman and this response was not consistent with previous responses I had received.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

I SENT OFF LETTERS ON XX/XX/2021, TO THE CRA 'S ( TRANSUNION, XXXX, XXXX ) ABOUT NEGATIVE ITEMS THEY ARE REPORTING ON MY CREDIT PROFILE. THE INACCURATE INFORMATION, INCLUDING MY NAME AND ADDRESS HAS NOT BEEN VERIFIED TO ME AND ITS CONTINUE TO BE POSTED KEEPING ME FROM OBTAINING CREDIT. I HAVE ATTACHED COPIES BELOW FOR MY RECORDS
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account listed on my report and the details of the account are being reported inconsistently amongst all 3 bureaus. The information such as dates etc is not the same from one bureau to the other, but if its the same account why is the information different. Someone has not done a good job of doing a proper investigation. I listed in detail in my letter to each bureau exactly what is incorrect and they each come back and say the accounts have been verified when clearly they have not.
Product: Mortgage

We have been having problems with Shellpoint mortgage servicing for over a year. In the year XXXX we had a some financial setbacks and they put us a forbearance plan and then the covid 19 hit us hard and they again awarded us a covid forbearance plan around XXXX of XXXX. We felt comfortable starting our payments again and were told that we had to come up with XXXX dollars up front. We didn't have anything close to that. We hired a attorney firm to work with us and still haven't resolved this nightmare. It's been 9 months and they still seem to make some excuse why they haven't come to a decision. We asked for a modification and they said we had too much equity in the house to qualify. In XXXX of this year they said it was sent to the underwriters and we have not heard anything. They keep telling our attorney some excuse after another. 
Our attorney as asked numerous times to escalate this matter to no avail. It has physically and mentally effected both of us. They have not contacted us by letter, email or phone call in over a year and it is up to XXXX to make it current, which is impossible for us to come up with. We just want to start making payments or go to another loan company. 
thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not removed scores of invalid, unauthorized information that has a material impact.. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Experian databreaches, class action & XXXX ; settlement lawsuit, and is available for free, on XXXX websites, and on the blackmarket or dark web internets for a fee.
Product: Mortgage

1 ) On XX/XX/2021 I paid the mortgage payment due XX/XX/2021 of {$1700.00} which includes ( principal plus interest of {$960.00} ) and ( escrow amount of {$800.00} ). 
2 ) On XX/XX/2021 I paid the escrow shortage of {$1100.00} plus {$60.00} totaling {$1200.00} and I told them this was a payment to the escrow account. 
3 ) The escrow account should therefore have {$2900.00} and not {$850.00} as it shows on their website! 
4 ) The XX/XX/2021 of XXXX has been applied as principal only payment according to their website! 
5 ) The XX/XX/2021 of XXXX has been applied as mortgage payment according to their website! 

None of this money has been credited properly per their website! Instead I see on their website indicating I have not paid my mortgage due of {$1900.00}. This is misrepresentation to say the least! Last year I paid the shortage of {$110.00} but was not credited to the escrow account. 

This is PREDATORY since " Predatory lending '' has become shorthand for describing a variety of lending practices that may be disadvantageous to borrowers. It can mean any type of abusive lending practice where the lender benefits through unworthiness, deceit, misrepresentation, bad faith, or dishonesty. 

Also, when you call customer service of PHH Mortgage Services they warn you that they are a DEBT COLLECTOR and everything you say may be used against you. I wonder what debt they are trying to collect from me! I thought they are a mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 

Delete this account and cease and desist with all collection activities. 

I AM NOT A CREDIT REPAIR COMPANY. 

ATTACHED IS THE COMPANY STATING THAT THEY NO LONGER ARE REPORTING THIS INACCURATE ACCOUNT. EQUIFAX IS REPORTING ACCOUNT THAT IS FRAUD.
Product: Credit card or prepaid card

I had a credit card with Bank of America. ( I closed the account yesterday, XX/XX/18, because of this outrageous incident I had with them. ) At the beginning of XXXX, 2018, my credit card balance was {$5800.00}. I paid the amount in full on XX/XX/18. At the time, I also set up automatic payments so that in the future the full balance would be paid on the XXXX of each month. As of XX/XX/18, my account at BoA was {$0.00}. I did not use the card again. 

On XX/XX/18, BoA issued an automatic withdrawal from my bank for an ADDITIONAL {$5800.00}, even though my balance had been paid off in full 24 days previously. 

Of course I did not have that money in my bank account, so my bank account was overdrawn, and I was fined by my bank. When I called BoA to explain the situation, I was routed to multiple people and supervisors, all of whom told me that it was my fault that this happened and that they could not remedy the situation.
Product: Mortgage

I have tried to work with my mortgage company and submitted everything they have asked. They placed a foreclosure sale date and stopped my review for help. They advised because they had not received documents but I have been sending them documents for months now with no resolution from them. 


Please help me save my home!
Product: Payday loan, title loan, personal loan, or advance loan

There are numerous of payday loan accounts that were taken out in my name however my signature was forged by my ex-husband. in our divorce decree it states that he was to take care of said accounts associated with payday loan accounts for which he had signed my name on the check, used my social security number and date of birth. He would use his cell number in the event loan companies contacted.

He also charged up a credit card in my name ( Barclays ) with out my knowledge. He changed contact, log in and password information so that i was not able to log in to account. As for the monthly statements, he would intercept the mail. i had no knowledge that card was being used. I never used the card ; this was suppose to be my emergency card. i am receiving constant phone calls from debt collectors, as well as being name in a law suit for Barclays Credit Card due to no payment, for which I did not use. My credit rating has been driven down making it impossible to be able to get credit cards for emergencies. My father has had to put my name on his cards as an authorized user. Was unable to be approved for a loan to finance my A/C unit at home. if needed i am able to provide copies of payday loan checks where he signed my name.
Product: Credit card or prepaid card

Discover Card perfomed XXXX Balance Tranfers for the same XXXX XXXX Credit Card both on XX/XX/XXXXThere should have been 1 single Balance Transfer made. Additionally they charged me a fee for each bal. Transfer. When the card was rejected on XX/XX/22 making a purchase is when I found the problem. 
When I phoned Discover on XX/XX/22 I was told to contact XXXX myself to retrieve the funds, they dont handle this. XXXX informed it could take up to 30 days to issue a refund to me of any kind. I requested the process begin. When I contacted Discover back and requested a supervisor she informed me billing could have taken care of the error. I requested both fees be credited for their errors. She stated they would refund 1 fee. I'm responsible for the other. I requested both fees be credited for my inconvenience and time. XXXX the supvr refused, and when I requested to speak to her direct report she informed me she didn't have one. I contacted Corporate and spoke to XXXX XX/XX/22 who said she would investigate and get back to me. As of now, I have only double fees, balances and an inabilty to use the card due to no credit availability.
Product: Checking or savings account

Back on XX/XX/2021, Binance.us locked my account. I could not trade, deposit, or withdrawal ... a complete freeze. I have complied with their instructions immediately as well as submitted multiple support tickets to them. I have received no action and no responses. Today is XX/XX/2021 and they have held my funds captive for 2 months with no communication. They claimed there were chargebacks on my account at the time of freeze. I reached out immediately to rectify any issues, however, I was unable to take action nd deposit any funds since they locked my account. I do not think holding my funds captive is according to law. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are violating my rights as a consumer. I had informed them multiple times that I was a victim of fraud and they are reporting information on my credit report that I never authorized or gave them permission to. I've attempted multiple times to get this resolved and they refused to assist me. This has ruined my reputation and has caused XXXX within my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 or other personal consumer reports

I currently have two student loans in the amount of {$67000.00} and {$30000.00} which have been consolidated into one loan for {$98000.00} by EdFinancial. Since XX/XX/year>, I have been going back and forth between EDFinancial and XXXX, who is reporting my loan balance at a higher balance than what is owed. My credit report shows that I owe the combined amount of {$98000.00} and it is also reporting that I owe {$30000.00}. I have filed about 7 or 8 disputes with XXXX to fix this. However, they continue to close my disputes without solving the issue or they say its an issue with EdFinancial despite me submitting documents of my balance as proof of my actual balance. I have also contacted EdFinancial to fix the issue, and they continue to blame XXXX and not help me resolve the issue. This is affecting my credit report because XXXX is stating I owe about XXXX more than what I owe.
Product: Debt collection

Complete Credit Solutions has caused much distress in using illegal tactics and continued harassment. The company does not even have a legal license to collect to in the state of IL which is required. They have placed a hard inquiry on my credit during the dispute process. This is after sending a cease and desist after continued calls and threats. They also threatened me with a letter stating its from the attorney and I had 10 days to respond. This letter was in XX/XX/year>. They are reporting inaccurate information to the credit bureaus and I have no signed contract with them. My case is now with the attorney general.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX  2018 I transferred money from my Bank of America account to an account at XXXX XXXX. I was not aware that Bank of America was using XXXX, which is not insured in the way a typical bank transfer would be. There was no warning about the transfer and nothing to let me know it wasnt a secure transfer. The person I was transferring to was selling tickets and gave me all his information and seemed legit, even took a screen shot of the tickets and sent to me. Once I transferred the money he disappeared, never providing the tickets. I immediately contacted the bank assuming the transaction was secure and protected against fraud as my other transactions are. Bank of America agreed to contact XXXX but could not help ensure I get the money back and neither bank seemed able to help with this fraudulent situation.
Product: Mortgage

XXXX Hardship Statement XX/XX/XXXX to Shellpoint for : XXXX, OH XXXX Account # : XXXX, OH XXXX Account # : XXXX It has been documented through Consumer Financial Protection Bureau ( Complaint # XXXX ) for the past year that I have repeatedly asked Shellpoint to adjust the APR on my XXXX property. I completed their forms numerous times for both addresses, but they would always send me an additional form. So, the mortgage modification would never be complete for XXXX. I did not request a new modification for XXXX, only XXXX. In XX/XX/XXXX, I was XXXX for XXXX ( XXXX ) due to mortgages XXXX. 
My two first mortgages in XX/XX/XXXX from XXXX ( XXXX ) had the predatory subprime rates of 10.5 % and 9 % respectively. I was XXXX years old ( retired as a XXXX in XX/XX/XXXX after 33 years of XXXX ). I was assured before and during the loan signing in XX/XX/XXXX that I could later refinance/modify the loans at any time without penalty. XXXX originally owned the first and second mortgages. I tried to refinance/modify the loans before XXXX went out of business in XX/XX/XXXX. I tried to refinance/modify my mortgages without success from companies that bought the mortgages. I am XXXX years old now and Shellpoint Loan Servicing now holds the 1st mortgages. I have asked Shellpoint repeatedly ( notably XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to refinance/modify the 1st mortgages. I was given H.A.R.P for XXXX, but not XXXX even though I applied for modifications on each of the homes at the same time in XX/XX/XXXX. Although XXXX is listed as an investment, my son lives in the house ( a second home ). I have been refused a modification for XXXX because I am not delinquent/in default. Mortgage payments are automatically deducted monthly from my pension checking account. I am in a vicious cycle of low credit eligibility to refinance due to debt : income ratio because of the mortgages. In XX/XX/XXXX, I will be XXXX years old. As of XX/XX/XXXX, I have already paid {$870.00} * 193 months or {$160000.00} for the 1st mortgage at XXXX. I have already paid 11 years of mortgages for XXXX. I bought the XXXX house for {$130000.00} with a {$20000.00} down payment in XX/XX/XXXX. I need relief. I do n't want to die and leave my son strapped with house debt similar to sharecropping. I bought my primary residence ( XXXX ) in XX/XX/XXXX for {$65000.00}. In XX/XX/XXXX my credit score was XXXX. The XXXX lender would not let me buy the 2nd house next door without mortgaging XXXX. 
I am being discriminated against because of predatory loan practices when I was XXXX years old. The lender told me I could refinance without penalty for the 1st and 2nd mortgages, but only the 1st mortgage on my primary residence was done through the government 's H.A.R.P. It was never my intention to be in debt till I die paying mortgages. 
The government noted the predatory practices and gave relief with H.A.R.P. for my XXXX residence. Relief for me is to have a Shellpoint Executive decision that the XXXX mortgage be PAID IN FULL by its original maturation date/sooner with a significant reduced APR.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear TransUnion : This is a Self-Attestation that I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
This fraudulent account is a personal loan XXXX XXXXXXXX XXXX  ( XXXX ) Opened : XX/XX/year>
Product: Mortgage

I have applied for the California federal Mortgage relief program and after a year wait and previous denial finally I got approved for up to {$80000.00} in grant towards my deferred mortgage balance of {$80000.00} which consist of 4 deferrals combined resulted during the covid. Very exciting news for any struggling and low-income minority homeowner like my self. considering that I am a senior over XXXX years old of age. 
The bad news the servicer decided blocked it and continues to block it from going through or even cooperating rather they have decided to discriminate a against me and turned it into a night mare. 
They said Because the program is only paying up to {$80000.00} and my deferred loans amounts are {$80000.00} they are not sure what to do or how to handle the remaining balance of the deferred loans of {$500.00} which I have offered to pay but they have refused so they could block the assistant from going through.
Product: Credit reporting or other personal consumer reports

I am in the process of legally changing my name and I checked my credit report and noticed that there are unauthorized inquires on my report and must be removed immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY financial 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

XXXX falsely claimed I had reached a 90 day past due status on my home equity line of credit in a written letter on XX/XX/2020. But there was a problem. What they had failed to do was process a payment received on their site on XX/XX/XXXX, which was ACHd from my bank account on XX/XX/XXXX. XXXX proceeded to advise all credit bureaus with inconsistent information regarding the status on my loan, from things such as no payment received since XX/XX/2020, over 60 days past due, late payments, etc.One bureau is now reporting that I have missed the last two payments. I corresponded with the office of the CEO repeatedly requesting assistance in getting the matter resolved but received nothing but hang ups and/or no written response. I opened disputes will all three bureaus in mid-XXXX. If you pull the information from XXXX, despite the payment being processed OVER days ago, XXXX  STILL reports in over days past due. Experian reports that I have utilized 990 % of my available credit. I have been denied an XXXX  for my XXXX  XXXX  thanks to this fiasco.