23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my account balance with HFD in full on XX/XX/XXXX. Despite this, they are insisting I still owe money on the grounds that the payments I made were returned by my bank. I spoke to my bank ( XXXX XXXX ) and they confirmed the payments were not returned as per my account history, and were paid to HFD. My bank said that because the payments were made through debit to a merchant, they could not send a proof of payment directly to HFD. So, they told me to send my bank statements to HFD proving that they took my money. I spoke to two agents over the phone at HFD detailing account history discrepancies. I found that the current dashboard of my HFD account shows an inaccurate payment history, missing an automatic monthly payment of XXXX for four months, from XX/XX/XXXX to XX/XX/XXXX, showing only 86 % paid off. I sent them an email explaining the account history discrepancies in addition to my proof of payments ( bank statements proving they received an automatic payment for XXXX those months and two screenshots showing the account dashboard on the day I paid it off, 100 % paid ). Despite this, the agents insist that I still owe money because they are referring to the current, inaccurate dashboard of the account balance rather than taking my concerns and proof seriously. They keep contacting me via call, text, and email saying my account is overdue. I learned of this issue from a late notice in the mail that says my account is overdue by " {$.00} ''. I suggested to them that they escalate the case with their Tech department because it seems to be an internal, technical accounting issue. My concern is that the balance " overdue '' they want me to pay keeps going up because of the interest coded into the account, despite the fact I proved that I paid it off in full. I'm also scared of unjust collections. I know I can refute collections claims within 30 days of receiving notice however I would like to settle this issue without having to go down that route. I have filed a complaint through the XXXX XXXX XXXX and with my bank, who is investigating the company and is aware they are trying to collect debt I dont owe, but HFD insists despite all of this that the money I paid has been refunded ( it hasnt ). I told them through the XXXX  today that all communications they send will be ignored until my bank is done investigating them but I was encouraged by a lawyer to file a complaint here.
Product: Mortgage

Roundpoint mortgage managed property taxes collected at my XXXX XXXX 2016 closing and were advised a Veterans ' property tax waiver was awaiting the XXXX XXXX XXXX XXXX approval. The requested approval documentation was provided Roundpoint so the escrow analysis could begin. Weeks passed but no analysis was done. Per GH Twp, Roundpoint paid the summer taxes XXXX XXXX, 2016 instead of returning the funds to me, per the law. The emails I have demonstrate the lack of cooperation I 've received which included their designated ombudsman. I want Roundpoin to refund the property taxes they managed, returned to me ; I should not penalized ( XXXX60 day for return of funds ) for their errors, these funds should come from Rounpoint directly ... they can wait for the return.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX Account # XXXX has violated my rights. 
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, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

BANK OF AMERICA Account # : XXXX Balance : {$9200.00} Gap insurance was placed on this vehicle at purchase. The insurance company confirmed to me that a payment was made to Bank of America. So this debt is inaccurate and unlawful, because it does not display the balance was paid off Via my gap insurance policy. 

Bank of America wrote my repossessed vehicle as a loss, and proceeded to report it on my credit report for going on 2 years. Even though the claimed amount was payed off via the gap insurance purchases when I leased the vehicle. A negative balance is showing on my credit report and it is inaccurate and false. These derogatory remarks on my credit report have impacted my getting a job, housing, and a vehicle. severely impacting my quality of life. I have filled over XXXX disputes with the company to remove information from my credit report and they have not. Just recently I discovered my Gap insurance policy and was notified it had indeed been paid, and Bank of America have been deceiving me and the credit reporting agencies for almost 2 years.
Product: Mortgage

I submitted a modification packet to Bayview Loan Servicing in XXXX XXXX. I was initially working with XXXX XXXX and found him to be very helpful. He answered all my questions thoroughly. He asked me to contact him in a week for status. I called him back and he notified me that he was no longer my rep. and that I should contact XXXX XXXX. I contacted XXXX and is when my nightmare began. XXXX was never available unless she randomly answered the phone. I would leave her voicemail messages and never heard back from her. I started getting very anxious due to the time frame so I started emailing her and XXXX XXXX XXXX XXXX The emails then became effective and XXXX would contact me first and then XXXX would soon email me. The times I did speak to XXXX her responses to my questions were one worded. She told me time and time again that my account was being reviewed by the underwriter. She then after would request additional documents which I would send to her the next day if not immediately. I noticed some of the documents requested were already requested previously. I would then just resend them to her. I got very anxious due to the time frame and contacted the XXXX XXXX. They said there was no holds on the sale for XXXX/XXXX/XXXX. I immediately contacted XXXX she called me back and I explained to her that the sale date had not been postponed. She verbally told me that the home would not foreclose. I asked her to contact the XXXX XXXX. She did n't respond to my inquiry about contacting them but reassured me the home would not foreclose. On XXXX/XXXX/XXXX I received an email from XXXX requesting docs for the modification, being that the home had already foreclosed. I had been waiting everyday for new numbers so I could start making payments and move on and that never happened. I never got the opportunity. She completely misinformed me throughout the entire process. I feel she was just buying time as weeks would pass by without talking to her. I was actually in fear of getting on her bad side as she ultimately was the person handling my account. I was notified by XXXX XXXX early XXXX that the modification had been denied sometime in XXXX due to missing doc 's. XXXX never notified me of a denial and I never received any letters from Bayview Loan notifying me of a denial. He then recommended I speak to XXXX. After the home foreclosed, I spoke to XXXX and she denied the fact that she told me the house would not foreclose. I asked her for her manager 's information and she told me his name and gave me his wrong number, she said she could n't give me his email address due to company policy. I contacted XXXX XXXX later on that morning and I spoke to a woman who gave me his phone number and email. I sent him an email and left him a voicemail in hopes to getting the foreclosure reversed. The home was recurred back to the bank.
Product: Mortgage

I was denied by a few lenders, but a few of them I believe had discriminatory tendencies. My credit score on ALL credit bureaus has dropped a hefty XXXX points leaving my scores in the XXXX and XXXX due to these mortgage companies telling me I had to move some of my medical collections and that I had a high debt to credit ratio which I did not. I had small balances on over XXXX cards and a few credit cards that was close to the limit. I am a AUTH user on most of the credit cards on my credit, but that still was counted again me. I ended up paying down one of my credit cards in my name ( XXXX XXXX card ) and also getting one of the AUTH user credit cards removed from my account and after that, my score dropped to low of XXXX and XXXX to where now I dont qualify for any mortgage. How I was talk to by these mortgages lenders made me feel they dont take my inquiry seriously. I qualified for a FHA loan, but they made this extremely difficult for me to get. Mortgages lenders : XXXX XXXX XX/XX/XXXX ( it seems like he was making all the excuses of not to approve me and wasting my time. I told him to drop the application. Also was denied downpayment assistance when they are partnered with XXXX XXXX. 

Rocket Mortgage ( who preapproved me for {$60000.00} and then {$90000.00} but never updated with me. 


XXXX XXXX : I was approved for {$100000.00} with XX/XX/XXXX down. That was too much for me so I started working on my credit and then my scores dropped XXXX to XXXX making me not qualify for a mortgage. Im sure he wont be calling now checking for updates. I also was denied getting downpayment assistance via XXXX fund and the mortgage lender knew my credit scores went up that changed the scenario so why am I denied downpayment assistance as a first time home buyer. Who are these funds for? 

My credit union : XXXXXX/XX/XXXX. I informed them I have alternate assets ( cryptocurrency ) worth {$20000.00} and got really weird about it and stated they will call me back but never did. 

I informed most of these lenders I had {$20000.00} in non liquid cryptocurrency plus my job income of approximately {$1800.00} a month. I had other income that I get bi-weekly around {$1400.00} bit weekly but couldnt be added due to I have not worked at that job for 2 years or more. 

These lenders put me through such a hassle and ruined my credit trying to get a FHA loan that I qualified for due to over XXXX and up credit score and low DTI. They used my medical collections and a collection that was charge off. I can understand that charge off being against me, but I read that that should not be calculated into the DTI unless its something being paid and those were not being paid on.
Product: Debt collection

I have been sending letters to all 3 credit bureaus including you about fraudulent accounts. No one hears me when I say delete these accounts off my credit report immediately. This is XXXX submitting this report. Im also uploading my personal information. Please accept. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i )
Product: Student loan

I completed a forbearance request on XX/XX/year> and sent it in electronically. Mohela contacted me back and said I would need to call them to talk to a XXXX agent to determine how to help me with the forbearance. When trying to call, I am placed on hold for periods of time between XXXX hours and never able to reach a XXXX agent. A couple of times I have been disconnected while on hold. I applied for the XXXX payment plan in hopes of getting my {$1200.00} payment down, but that has also not been processed yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days late3/2/1ClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with XXXX. 
GO TO XXXX Creditor Information XXXX/XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2018. I got an apple credit card for some headphones, i was able to pay with the credit card when i applied for it. Never received my card or bills. Only a bill when i was considered a delinquent account. I have tried to get ahold of them but i am on hold for hours everyday and could never get to a customer representative. The headphones i bought were {$160.00} and now I owe {$470.00} because they never sent me a card to set up my account.
Product: Vehicle loan or lease

Credit Acceptance sent a letter this month stating that they are going to take me off of their Covid 19 Protection Program starting XX/XX/XXXX and that any late payments, fees will be added to my credit report and that we could face repossession. Credit Acceptance took me off their Covid Protection Program back on XXXX of XXXX. They reported a total of 25 late payments and made calls and sent letters threatening to reprocess me and my husband 's vehicle. For 2 years we have struggled to make the monthly payments during Covid and have expressed this to Credit Acceptance without anything being done about it. It was only when I made a complaint to the CFPB back in XXXX of this year XXXX that something was done and they entered me into their Covid Protection Program for a couple months but now they are stating that fees, back pay and other monies are do. That they will be changing the way they report to the Credit Agencies to reflect back pay and could reprocess the vehicle. As a consumer I should be treated fairly. Credit Acceptance should give me the same amount of time in Covid 19 Protection as was given to other consumers, especially since I was initially enrolled in the Covid 19 Protection Program but was taken out by Credit Acceptance. The burden of not being protected from repossession for 2 years has put us behind on everything else including losing shelter. Credit Acceptance needs to grant us Credit Protection for 2 years since we should've been in the Covid 19 Protection Program starting XXXX XXXX. During Covid me and my husband are victims of predatory lending. This is unfair, deceptive and abusive practices, and we deserve restitution as customers. This is a violation of our rights 15 us code 45c states ( b ) Enforcement by the Federal Trade Commission ( 1 ) Unfair or deceptive acts or practices A violation of subsection ( a ) shall be treated as a violation of a rule defining an unfair or a deceptive act or practice under section 18 ( a ) ( 1 ) ( B ) of the Federal Trade Commission Act ( 15 U.S.C. 57a ( a ) ( 1 ) ( B ) ).
Product: Credit reporting or other personal consumer reports

I am complaining on behalf of XXXX, XXXX, TransUnion regarding my personal information such as name and address being inaccurately reported on my credit files. I have disputed addresses that I do not recognize on my credit file and have been unable to remove information on my credit file successfully. The correct name that should be reported on my credit file is XXXX XXXX XXXX, and the incorrect names and/ or pronunciations of my name such as ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX should be immediately removed. The correct address that should be reporting on my credit file is : XXXX XXXX XXXX, XXXX, CA XXXX and the addresses incorrectly reporting of : XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX should be removed from my credit file immediately.
Product: Debt collection

I was approached about XXXX XXXX ago about this debt and I was afraid because they threatened legal action if I didnt pay them. I paiid them about XXXX a monthand then I told them I would call you all and I COULD not pay them that kind of money so I have been paying them XXXX per month for about 9 months now and I really dont have the finances to pay them anything. WhenI ask for a balance, they never fully give me how much I paid and what is left. Thats why I decided to finally contact you. I have never had a formal address from them and only know who they are from my bank statement. I want ot know if they are legit
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit repair agency is reporting my XXXX account XXXX XXXX XXXX as still open with a balance. 
This account has been fully completely paid. 
I have proof as well
Product: Prepaid card

From on or around XX/XX/XXXX I had money that was suppose to be relief to me taken from me up until the middle of XXXX from a prepaid Bank of America card. I dont understand how Bank of America let someone who is not me take XXXX dollars over a period of almost 2 years. How is that even possible? Do they not ask for a picture id I just dont understand. Ive filed a claim to get my money back but there taking there sweet time when it should be a no brainer. 2 YEARS SOMEONE WAS TAKING MONEY THAT WAS MINE & THAT I DESPERATELY NEEDED. The proof is everywhere. I never authorized any transaction. You mean to tell me the Bank of America let someone fraudulently complete XXXX Transactions of money that was suppose to be mine. HOW? Do they not ask them to come in? yet everytime I call just to check the status of the claim I filed I always have to come in to prove my indentey what a JOKE!! can someone please help me ASAP Im currently in a serious financial hardship on verge of starvation and homelessness. 
XXXX XXXX
Product: Mortgage

I have contacted the lender many times asking if they would remove the PMI from my mortgage payments without a positive resolution. The PMI makes my mortgage higher than i can afford and it should have been gone a long time ago.
Product: Mortgage

I was a HELOC Bank of the West customer, but at some point in XX/XX/XXXX, my account was moved to BMO. As I had received a call from Bank of the West regarding the move, I recall reaching out to BMO in XX/XX/XXXX to get online account access and trying to set up autopay. They were updated regarding my mailing address and to date, I have never received ANY mail from them. All my payments have been via the online portal. Bank of the West would always keep me updated regarding payment changes due to my variable interest rate/s, but NOTHING from BMO. 

Last week, I had multiple alerts from XXXX XXXX and other credit monitoring applications. The notification/s stated " delinquent account alert. '' I was finally able to locate a note that it was from BMO. I logged into my BMO account and it looked like I owed a balance of {$1100.00} for XX/XX/XXXX, which had already been paid on XX/XX/XXXX and was reflected on my online payment history ( I attached payment history ). I had also made a payment on XX/XX/XXXX. Whatever the case may be, I made the additional payment for {$1100.00} XX/XX/XXXX. There was no note online regarding anything beyond that, such as the account being delinquent. If I did not have Life Lock etc., I would still have no clue that I even had a delinquent account. 

After lengthy telephone calls last week with BMO, it was discovered that BMO never had updated my proper mailing address given to them XX/XX/XXXX. I was also informed that the collections department was calling an incorrect number, but she did not even know why they were calling to begin with. The number they were calling has been a dedicated fax line for my work since XXXX. As the customer service supervisor could not clarify what was happening, she gave me an email address, XXXX. 

Despite the communication mystery being solved and BMO confirming that they understood that I never received ANY calls or letters regarding any of this, they did not resolve the credit reporting or offer any sort of resolution or clarification. Again, I have attached my BMO online account payment history, which is all that I have had for reference, as again, I never received mail or a telephone call. 

If BMO never sent me mail or called and my online account shows everything is paid, there is something not right happening to me. 

In an email response, dated XX/XX/XXXX, BMO finally sent me a statement via email ( XX/XX/XXXX ), but no clarification regarding variable rate or my delinquent payment status, as again, payments were all timely made according to my online account payment history ( attached ). They only discussed an XX/XX/XXXX NSF issue, which had nothing to do with the present situation. 

Again, my payment history all seemed to be spot on. BMO bank is adjusting interest rates and taking advantage of clients, with no communication. After all, without the assistance of organizations such as yours, we are helpless. My credit is destroyed, as they never communicated with me.

Again, if they never updated my mailing address, were calling a wrong number and my BMO online account shows payments all made, there is something not right happening to me. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX SELF-REPORTED XXXX Balance : {$17.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX