23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I reside in a area that was directly affected by Hurricane Harvey and was declared to be in a Presidentially Declared Disater Area. It is my understanding that during the Moratorium initiated by an Executive Order from the President from on/or about XX/XX/XXXX to XX/XX/XXXX ; loan servicers ( CMS ) were not supposed to be reporting mortgagors as being late on their loans during that time period ... see below : XXXX " The servicer must suspend the reporting of loan delinquencies to the credit bureaus ... ... ..for borrowers that are impacted by the disaster '' XXXX As of XX/XX/XXXX I checked my credit report with both XXXX  and XXXX  and Carrington has submitted/reported deliquincies to them every month since XX/XX/XXXX until present. As I understand it, this should HAVE NOT occurred. 

I would PLEASE like this corrected as it is very damaging to my credit and causes derogatory information ON my report that is very harmful and possibly causing undue financial hardship as well. 

At the very least, if CMS was going to report derogatory information incorrectly, in spite of legal mandate, it should have been reported/coded it with a notation indicating I was in a FEMA Declared Disaster Area, which was not done. 

All I am asking is that CMS does what was supposed to be done under the law and FCRA be done and I will be satisfied. 

Very truly yours, XXXX XXXX
Product: Mortgage

In XX/XX/2021 I received notice that my property tax was past due and I was assessed a penalty fee of {$250.00}. I have an escrow account so I notified my mortgage company Union Bank, right away and the balance was paid. However, they pulled the penalty out of my escrow funds which I believe is not legal. I have called at least 6 times to resolve the matter, which would be them refunding the late fee to my escrow, and I have received no resolution. I have received no written notice that it has been resolved and each person I talk to on the phone assures me they will " take care of it. '' As of XXXX, XXXX it has not been resolved.
Product: Mortgage

PHH mortgage took over from its parent company Ocwen and I have been struggling with this financial institution representing XXXX XXXX  since I managed to obtain a loan modification package granted in XXXX. 
I have proof that they make it impossible to cure default and are drowning us in fraudulent fees that I have investigated as fake such as {$910.00} title insurance with XXXX XXXX XXXX trust escrow which does not Exist when I contacted the telephone info goes back to the parent company itself. 
In XX/XX/XXXX a statement for the amount required to cure default was requested and the amount of funds was transferred which totaled {$20000.00} but they took over {$10000.00} in fees and did not cure the default but rather claimed another {$12000.00} was due by XXXX. 
I had no choice but to file chapter XXXX and that did not work either. They managed to file papers with the court during the pandemic requesting more than double monthly payments {$5000.00} per month for a {$2000.00} mortgage and the amount {$30000.00} was sent and they still sent a notice of default
Product: Payday loan

As a continuance to my official Case number : XXXX filed XXXX/XXXX/15, the Spot Loan has withdrew funds from my account a day prior to my request for withdrawals on the XXXX! Now I will be charged an overdraft fee of {$35.00}. I do not have earned income! Have you reached out to Spot Loan yet?
Product: Checking or savings account

Back un XXXX I made some fraud disputes into my account, a credit was provided by XX/XX/XXXX and the account was blocked on the same day without explanation, I had over {$3000.00} dollars in my account which are my funds to pay rent and monthly bills and they decided to put a hold on my account. 

I started living a nightmare, calling everyday, every hour and each person at PENFED told me something different, that I could go to an ATM to get the cash, then that I could not do that, then that I could close the account and they will send a check, which I eventually did, I requested to close my account to receive a check. 

After waiting extra time, ( they were supposed to resolve the issue between 24 to 48 hours ) I give them a call on Monday XX/XX/2024 and was on the phone for over an hour with XXXX, she was working on closing the account, she passes the funds from my checking to my savings which I do not understand why and at the end she told me she needed to do that in order for her to request a check with the funds. 

She told me three times or more than the check was going to be mailed on XX/XX/2024 and that i was going to receive the money between 7 to 10 business days. Today, XX/XX/2024 I gave them a call to follow up and see if they shipped the check but was told by multiple people that they were not going to send a check because they need 30 days since I filed the disputes to make sure the merchants do not come back to claim the money back. 

That is absolutely crazy and unprofessional, the fraud department did not wanted to be on the phone, the dispute department did not wanted to be on the phone, eventually after 57 minutes on the phone, a manager called XXXX told me he could see all the notes and see how on XX/XX/2024, the check was requested but someone else cancelled the request, also told me so many other employees were doing stuff my account and he could not understand why everyone put their hands in there. 

He told me the dispute was on the XXXX and by XX/XX/XXXX the 30 days period will be done which means I will be able to receive the funds. 

I need this claim to request PENFED a clear solution to my case, the are retaining MY MONEY, they are not providing clear information, they say something and an hour later they will change their mind, they are being unprofessional, unresponsive and all I need now is my money back.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX  CC : STATE REGULATORY AGENCY
Product: Credit card or prepaid card

I incurred {$25.00} late fee on XX/XX/XXXX on my last statement XX/XX/XXXX. I called customer service on XX/XX/XXXX and explained that I requested the Bank of America representative to set up an auto pay for my card so that I don't be worried about late fees. The representative didn't accept my explanation and insisted that the fee will stay. I requested to talk to supervisor, after holding for sometime, I talked to XXXX, she backed up her colleague and did not pay attention to what I am explaining. She said that the fee will stay and I must pay it. I asked to talk to a manager, XXXX said manager only have administrative authority and can't reverse the fee and it takes 2-3 business days for them to call you back. I accepted and gave my phone number and requested to talk to manger. Since I haven't received any call. I am very dissatisfied with Bank of America and want them to reverse the late fee ASAP. 

I told them even I have relation for 14 years and I am preferred member, I am considering to close my all my accounts with them. XXXX did not care at all. 

I want a responsible person to call me and explain me the reason for such a poor customer service and unjust fee. 

Thanks, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Sense XXXX of 2022 I had to assume the responsibility of caring for my grandmother along side my XXXX XXXX XXXX son. I tried to contact Hyundai Motor Finance for help in maybe finding a way to lower my monthly payments. I became behind but I managed to make payments well it's getting harder for me even more now because I have medical bills due to my son 's XXXX flare ups and having to go back and forth to the ER. I've tried to contact the lender inorder to come to a resolution. Or better yet help.
Product: Consumer Loan

HI I TRADED IN A VECHILE 2 YEARS AGO TO XXXX XXXX IN XXXX NEW JERSEY. COMPANY NEVER PAID THE LOAN OFF ON THE VECHILE. IVE BEEN PAYING IT FOR A YEAR AND HALF AND UNABLE TO PAY ANYMORE. THE DEALERSHIP SOLD THE CAR TO ANOTHER PERSON AND REMOVED THE LEIN OFF THE TITLE AND MYSELF AS TITLE OWNER. I FILED A POLICE REPORT WITH THE POLICE DEPARTMENT IN NEW JERSEY. THE VECHILE WAS NEW YORK STATE TITLED WHEN I WAS LIVING IN NEW YORK. THE BANK HAD NOTIFICATION FROM THE DEALERSHIP THAT THE VECHILE WAS TRADED IN, I EVEN HAD PAPERWORK OF THE TRADE IN WHEN IT TOOK PLACE. THE DEALER I BROUGHT THE CAR FROM WAS LOCATED XXXX XXXX XXXX, SALE PERSON XXXX XXXX WHO IS UNDER INVESTIGATION FOR A XXXX DOLLARS IN LOAN FRAUD. ITS NOBODY TO CONTACT BECAUSE I WASNT THE FIRST VICTIM. I HAVE NOTHING DELINQUENT ON MY CREDIT REPORT AND LOOKING FOR A RESOLUTION. THE BANK BMW FINANCIAL SENT ME A POWER OF ATTORNEY TO GET THE TITLE BACK IN MY NAME. I ALSO ASK THEM TO HELP ME PUT OUT A REPOSSESSION ON THE CAR TO GET THE CAR BACK. THEY SAID THERE IS NOTHING THEY CAN DO. I NEED HELP BECAUSE I HAVE KIDS AND CANT GET MY CREDIT RUINED.
Product: Credit reporting or other personal consumer reports

Data breach information. Leaked information. Suspicious activity on my credit profile. Hundreds of Unauthorized inquiries.15 U.S.C . 1681, This has effected various products, services, and opportunities, such as a loan, a job, or housing for my family and I.
Product: Credit card or prepaid card

Chase has allowed me to open 2 credit cards XXXX XXXX XXXX XXXX and Chase Sapphire Preferred. However, on XX/XX/XXXX, they have revoked my credit card and do not allow me to use it anymore without any prior notices or discussion. The action shows that Chase only cares about the bottom line and do not want to pay out any bonus credit card sign up reward. I have great credit score ; so it should not impact.
Product: Credit card or prepaid card

XX/XX/19 I ordered a product from XXXX via third party vendor for {$130.00} Order #  XXXX contacted XXXX when i didn't receive the item by the due by date and the tracking said the item was returned. XXXX said since it was a third party i would need to contact them. I contacted the seller and they gave me a new tracking number one day later. After a week and still not receiving the product I contacted the seller again but they said its been delivered and then proceeds to ignore all future messages. XX/XX/19 I disputed this transaction with Discover as Item not received Dispute # XXXX. Discover after 30 days denied my dispute saying that XXXX provided tracking and its valid, I appealed the decission and provided screen shots from XXXX site they asked for but discover said it didn't matter. i still havent recieved this item. It seems discover has a know reputaion of siding with the seller in dispute cases from reading reviews. However, XXXX site indicated that this item was undeliverable and i would be refunded.
Product: Debt collection

DEBT JPMCB ACCOUNT DISPUTE DATE XXXX XXXX Dear sir/Madam, I am writing to formally dispute the account listed under account number on my credit report with an amount of {$5100.00} as I do not recognized this debt.this account is reported as charged off with a profit loss/write off ; However I have been receiving multiple collection attempts from this company.Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights
Product: Credit card

I signed up for an XXXX XXXX  credit card but never received the physical card or any login credentials to access my account and make payments. When I called customer service, I discovered that I had been charged a significant amount in interest. Despite making the minimum required payments, I ended up paying twice the amount I originally spent. 

At one point, I decided to close my account and pay off the remaining balance. I called customer service, provided my debit card information, and was assured the payment would be processed. However, three days later, I noticed that no charge had been made to my account. When I called them again, I found out that the payment never went through due to an error on their end. 

I made the payment again and filed a complaint, expecting to be contacted within 34 months to resolve the issue. Despite paying everything except for an additional charge that wasnt my fault, the issue was never addressed. When I followed up, they repeatedly told me they would " restart '' the process, but nothing has been resolved. 

Due to their mistake, an extra charge of {$35.00} has now escalated to nearly {$200.00}, and my credit score has dropped from XXXX to below XXXX. I have tried reaching out to both Comenity Bank and XXXX XXXX, but their customer service has been unhelpful and rude. The manager refuses to acknowledge the issue and simply tells me to " deal with it. '' This situation has caused unnecessary financial stress and significantly damaged my credit score, all due to their mismanagement. I need this matter to be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX  XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

I am writing to complain about two checks that I deposited in person with Bank of the West in XXXX XXXX, CA on XX/XX/22 and XX/XX/22. It has been almost 6 months since my first deposit and the funds have not been credited into my account. I have made numerous visits, phone calls and sent emails in an attempt to understand where the funds are or to have the checks returned to me to no avail. No one has been able to provide me with the status of my check deposits. I have included below my XX/XX/22 email to the relationship banker who opened my account and her response and also attached copies of the Bank 's internal form " Outgoing Collection Receipt '' showing my deposits. I am hoping that you can assist me in the collection of the XXXX euros  ( {$3800.00} ) deposits. 


For additional background, on XX/XX/22 I opened a checking account with the Bank of the West and deposited {$1.00} cash and a check made out to me for XXXX euros  with instructions that the monies were to be converted into USD and then deposited into my checking account. Even though the deposits were in euros, I was assured that this was ok since the bank 's was owned by the XXXX bank XXXX XXXX and that they would handle the currency conversion. I made another check deposit to this account from the same vendor on XX/XX/22 in the amount of XXXX euros for a total deposit sum of XXXX euros ( see attached " outgoing collection receipts '' ). The Bank has recently been sold to BMO Harris Bank N.A. Member FDIC. 


Other than these two deposits, there has been no activity with the account and no record of these deposits being made into my account. Additionally, I was recently notified that my account was overdrawn ( see attachment ) and the Bank is requesting a deposit to cover the overdraft amount due to a {$9.00} service charge. This matter further concerns me as it states that unless I make a deposit, my account will be in default and notice of the default will be sent to a collection agency which will negatively impact my current excellent credit rating. When i log into my checking account, there is no record of my deposits totaling XXXX euros ( XXXX USD ).
Product: Mortgage

XXXX/XXXX/XX/XX/XXXX In XXXX of XX/XX/XXXX my wife passed away, she was a major financial contributor. We had to boys XXXX and XXXX. XXXX was XXXX months from XXXX an expensive private high school. XXXX was XXXX going to college in XXXX XXXX. I 'm a Florida XXXX with XXXX XXXX County. While doing a job at XXXX XXXX XXXX I received notification that I had been suspended from the contract for alleged breach of contract. This was untrue but it took me approximately six months to convince the county of this, I suffered the losses. The very next project after this was a job with XXXX XXXX XXXX and XXXX. I received notification from them that my contract had been " terminated for cause ''. Again not so. It took me three years of litigation to collect money due and payable. So this is when I opted for the Pick A Payment Mortgage. 
After the problems with XXXX XXXX XXXX I decided to seek and contract with private owners only, This was working out right up until real estate bust and should add caused in total by the banking industry. 
I have scanned and downloaded the mortgage documents. The XXXX issue is they do n't have my name collect, the XXXX issue is they do n't have my Social Security number right and when I call them to try to work something out they refuse to talk to me. The XXXX issue is that when this mess began happening I hired an attorney, with the intent of being granted a loan modification. The last telephone conversation I had with him I was told that Wells Fargo refused to modify the loan. Recently I am told when a bank refuses to modify they must provide a reason. I was never given this. At this time the property scheduled for sale on XXXX XXXXXX/XX/XXXX.
Product: Debt collection

On XXXX XXXX, XXXX I went to the apartment rental company ( Sunbelt Credit ) where I normally go to pay my monthly rent. Before I went to Sunbelt Credit I called them to verify that my account was closed. The representative looked up my account and stated that the account was closed, at this time she instructed me to stop by the rental office to pick up paperwork showing proof that my account was closed, and she actually gave me a refund check in the amount of {$140.00}. I do have this paperwork in my possession at this time and I will upload the document. After I received the paperwork showing that I did not owe any money, I received a letter in the mail on XXXX XXXX and XXXX, XXXX informing me that I still owe money to Sunbelt Credit. On XXXX I received a phone call from Sunbelt Credit 's corporate office stating that I have a balance that I still need to pay totaling {$140.00}. She informed me that I had to pay the balance right away, and if I did n't that they would report it negatively on my credit report. I did everything that I was suppose to do to ensure that the allotment has stopped and that I did n't owe any further or future money to Sunbelt Credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My credit report for XX/XX/2018 a 3o day late payment. This was due to the site not working correctly before the close of the statement close date. I called in to complain about it but was unable to get the report resolved. The reps seemed not to know what to do to help me with the problem I was having.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove the inquiry that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XX/XX/year>,