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

Step 1 : What is this complaint about? A derogatory mark ( late payment ) was placed on my credit report. I was not responsible for the payment per court order after my recent divorce. This late payment ha

s harmed me and is a deformation of my credit character. It needs to be immediately remove d. My credit score dropped 83 points after this derogatory mark was placed on my report. It has impacted my financial future by causing me to be denied a loan on an investment property. Step 2 : What type of problem are you having? The derogatory late payment mark needs to be removed from my credit report. It has impacted my score significantly and I am not and was never responsible for the payment on the house that was awarded to ex-wife after court order. ( See divorce decree ) Step 3 : What happened? I was recently divorced. The court order in the divorce decree
awarded my ex-wife the house and stated that my ex-wife and ONLY she would be responsible for the payments and any fees incurred concerning the awarded house. The court order also stated that all payments must remain current by ex-wife as they had been previously when I paid the mortgage for the previous two and a half years. 

Step 4 : What company is this complaint about? M & T Bank Step 5 : Who are the people involved? The employee or supervisor in charge of submitting the late payment in which I was not and is not responsible for. I have called M & T Bank several times and sent in a letter, and the late payment is still listed on my credit report. It is the only payment that shows late on my report in which by court order I was not and I am not responsible for the late payment. This late payment needs to be removed from all three credit bureaus immediately. I would not like to be denied another loan in the future for something I was not responsible for per the court order. Had I been ordered by the court the responsibility of the payment I would have made them on time as agreed as I have done with all of my financial obligations.
Product: Payday loan, title loan, or personal loan

All I want to do is login to a account on a app that I all ready have ... this is doing to much
Product: Credit reporting

TransUnion deleted all inquiries and also added them back on which is against FCRA. I would like them all removed for good. With no addition later
Product: Debt collection

Last week I received a phone call from my parents who live 500 miles away. They indicated they received a letter from XXXX XXXX XXXX. The letter was dated XX/XX/XXXX and it indicated a owed a debt from XX/XX/XXXX, which was a result of a parking ticket. The letter indicates I have 30 days to respond prior to taking action. 

My issue is that the debt is too old to be collected as California statute of limitations on debt is 4 years and 4 years had passed prior to the date the Notice was sent to my parents house. The debt is so old that it creates prejudice in my defense of the debt, since I don't even remember where and what I was doing on XX/XX/XXXX, I don't own the car in dispute, and there is no way I can recollect enough detail to provide an adequate defense. Finally, the letter was sent to the wrong address. If my parents had not called me, i would have no idea this was happening. Notwithstanding my parents notifying me, sending the letter to the wrong address has significantly shortened the time of which I can respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm relocating to XXXX XXXX and looking to purchase in a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw a XXXX XXXX XXXX on my credit that is not mine. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. This item needs to be deleted from my credit report.
Product: Credit reporting

I have contacted all XXXX credit reporting companies regarding incorrect info on my credit report regarding a public record. XXXX deleted the incorrect info however Transunion and XXXX will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks.
Product: Vehicle loan or lease

I had a severe XXXX XXXX during my XXXX and fell behind due to complications. I was offered 2 month extensions ( 6 of them ) from XXXX to maybe XXXX. 

When the pandemic hit, I lost my business and employment. They offered me 2 extensions however there is still a pandemic and the entire economy is struggling. 

They have offered me a hardship modification which includes the SAME RATE, SAME PAYMENT and increasing my balance from XXXX to about XXXX additing 2 additional years to the maturity date saying I used all my extensions. 

I made a payment on XX/XX/XXXX as I confirmed with 11 employees that as long as it is made in the last day of the month they do not report late. They reported me late and dropped my score XXXX points which affected my ability to obtain financing for my business and recover from additional hardship. 

I spoke to XXXX, compliance Specialist who told me our business hours are XXXX Central time. So you made your payment after our business hours. " IF YOU GO TO XXXX 'S AFTER BUSINESS HOURS THEY ARE CLOSED. '' I ASKED WHERE YOU OPENED ON SUNDAY AT XXXX CENTRAL? HE SAID NO WE DON'T HAVE EMPLOYEES HERE '' NOT A GREAT WAY TO PUT THINGS! I have been told 11 times as long as the pay is done before next day we will not report it. And it was!
Product: Mortgage

So my sister passed away XX/XX/2020. She left no will husband or kids. I'm her last living relative. While she was alive the home loan was on forbearance. Forbearance ended now the mortgage is about 4 months behind. When I first as like to wells Fargo they told me to fax documents and such. They'd would make me successor of interest. Then I would get calls asking what I wanted to do with the house. Keep up with payments or sell. I want to sell. Well now it turns out I can't be the successor of interest cause supposedly I didn't send proper documentation. Wow seriously?! It's almost going to be a year and nothing gkt done!
Product: Money transfer, virtual currency, or money service

Ive had multiple issues with Zelle and my financial institution when it comes to Zelle handling my disputes. The issues have been consistently left unresolved. Each and every claim has been left unresolved. I was repeatedly told that recovering lost funds was out of reach. Because of Zelle, repeated offenders have been taking advantage of consumers. Zelles lack of accountability is highly concerning, especially with millions of people using Zelle
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I visited the New Jersey Lottery District Office at XXXX XXXX XXXX XXXX XXXX.I met with Deputy Director of Security, Audit and Licensing XXXX XXXX to discuss a review of case # XXXX aXX/XX/XXXX registered claim. XXXX XXXX informed me that after the New Jersey Lottery makes a payment any concerns involving law enforcement of crimes targeting a lottery winner are not theirs and to obtain an attorney. My XXXX XXXX  dollar cash payment was deposited in a Capital One 360 Checking account before being transferred to XXXX XXXX XXXX  because of account balance errors with pending or posted transactions. The XXXX XXXX XXXX account it was transferred to has a XXXX records request case number XXXX and Consumer Financial Protection Bureau request case number:XXXX. The Office of the Comptroller of Currency complaint case number:XXXX response suggested if I wish to pursue the issue to retain an attorney. However on XX/XX/XXXX a representation request to XXXX and XXXX my family attorney was declined. So I am undertaking account record recovery.
Product: Mortgage

I notified my prior mortgage servicer I would be submitting a request for borrower-initiated termination of conventional mortgage insurance based on current value of my property. I requested the forms and instructions for submitting the request, which were provided in advance ; however, about 30 days prior to the two-year seasoning of the mortgage loan I was notified that servicing of my mortgage loan was being transferred to Newrez. I contacted Newrez immediately after the mortgage loan was transferred to inquire about their forms and instructions for submitting the same request. Newrez has stated several reasons for not providing the forms in both email correspondence and phone conversations : 1 ) I need to wait up to 60 days after the mortgage loan was transferred, 2 ) they have to establish a PMI account first, and 3 ) they can not provide forms or instructions in advance of the two-year seasoning of the mortgage loan. None of these are valid. My right to initiate termination of mortgage insurance is a XXXX XXXX servicing guideline and the mortgage servicer has no right to impose policies which impede my request. The information provided by Newrez is misleading and predatory. While they attempt to delay termination of mortgage insurance, the consumer is required to continue paying the mortgage insurance they had a right to terminate. We are also in a market of declining home prices, so there is the potential that delaying my request for termination of mortgage insurance could result in a lower home value that would no longer qualify for termination of mortgage insurance. The transfer of my mortgage servicing to Newrez was strategic and intentional. The effort to complicate termination of mortgage insurance only benefits the mortgage servicer and mortgage industry participants.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I repeatedly requested XXXX delete this information as it did not originate from me! 
Requests were sent to XXXX, Equifax XXXX XXXX without response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had problems with the credit reporting agency removed the items off my report and allow a company to put it back on XXXX i was a victim of identity theft and i have sent them so many documents proving all this over and over the company is XXXX and they sold the account to a collection agency and the information is not mine they took it off twice and it is back again also XXXX XXXX same issue they dont have my social in there system only my name. XXXX is on all three report im so tired of waiting on them to put it back in despute over and over this is not fair and they are not doing things according to the fair credit act. And XXXX has inquiries on my report from identity theft and they date back 2/3 year i have sent all documents in I want them removed. This is too much stress to much.
Product: Mortgage

in XX/XX/XXXX 2016 I applied for a refinance of my va loan and was told by XXXX XXXX a licensed lending officer with loan depot nmls # XXXX that I could refinance to a conventional loan and after six months I could go back and refinance to a va loan. once six months had pass I contacted XXXX XXXX to start the process back to refinance my home through the veterans administration and was told I needed to wait until my credit card debt came down so I could get a better rate. shortly after the conversation with XXXX XXXX I spoke with other leading companies in the mortgage refinance industry and was told that my loan officer ( XXXX XXXX ) had lied to me and in the state of texas once you had converted from a va loan and taken cash out you could not go back and refinance through va. as a XXXX veteran I can now no longer use the benefits that I made many sacrifices to earn. ie ... no access to va irrrl program ... no funding fee for XXXX veterans ... .financining up to 100 % ... .va loans are assumable ... .interest rates are typically.25-.75 less. I feel like this guy should have known better. I am currently paying a higher interest rate than what my va benefits would have provided
Product: Credit reporting, credit repair services, or other personal consumer reports

There are nine inquiries on my Equifax report that are not mine..my personal information has been compromise.. below are the inquiries that do not belong to me..XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I have recieved many many many robo calls from various numbers - threatening action, and that a complaint has been filed against me, a claim has been opened, contact your attorney, etc ... on my cell, home, and parents number. Never anything in writing, nothing on my credit report, never giving a company name. All calls are either fully recorded messages or what seem to be partially recorded. 
Today I recieved a call that went to the main switchboard of my work - the call/message was relayed to me by the person answering the phone at the front desk! This is a new job that I have only been at for 8 months and the only place my main work number has been updated associated to me is my online XXXX XXXX  profile, and my online XXXX XXXX profile. To me this means these sites were either hacked, or personal information is being shared/sold to unscrupulous companies. 
Even unfounded these types of calls impact my reputation at my place of employment given the harsh language and threating messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy ot my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a lew accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

My Car got totaled out XX/XX/2023 and thru insurance of the other party. they pay XXXX plus at the value of the car at that time... i had another XXXX years to pay off the XXXX that i still old... .by them accepting the pay off at the time of the totaled car ... the interest on the car should have been adjusted right ... so they accept the payment at the time... the whole debt should have been pay in full... i would like this removed and my credit adjusted because they are saying i owe them money... when in fact if they accepted the payment the insurance compay offered... they should have cleared the debt ... .please look into the bad practice by this company...
Product: Mortgage

PHH Mortgage company has stopped accepting my monthly loan payment. In XXXX XXXX, PHH mitakenly claimed that I did not have home insurance on the property. I provided proof that I did have insurance. However, this mistake by PHH triggered problems with the mortgage, putting my payments in arrears. I continued to make my payments but these were always considered in arrears because of the escrow account set up by PHH. Six months ago PHH stopped accepting my monthly payments and now PHH has sent my loan to a law office to begin foreclosure proceedings. 

All I want is a detailed review of my loan to determine why PHH took out lender 's insurance on the property given that I also had insurance. Also, PHH has created an escrow for property taxes, even though I have never been late with property tax payments to the City.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX report, there were the following inquiries that I did not authorize flagship credit aceptan, and XXXX XXXX XXXX XXXX. This showed it was done on XX/XX/2023. 
On my XXXX report, I show the following inquiries ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX again, and XXXX XXXX  on XX/XX/2023. I did not authorize these. On my XXXX report, I show the following inquires were done on XX/XX/2023 that I did not authorize : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX.
Product: Money transfer, virtual currency, or money service

We visited one of the Bank of America locations on XX/XX/XXXX to make a wire transfer to my mother-in-law, who lives in XXXX. We provided the bank with the name and account number for the transfer. The banker completed the wire ; however, we received a letter from Bank of America on XX/XX/XXXX stating that they declined our transfer of {$1000.00} on XX/XX/XXXX, and that the funds had been frozen ( TRN XXXX Reference XXXX ). 

The letter also stated that, to unfreeze the funds, we were asked to contact OFAC 's Licensing Division to obtain a " License to Release Blocked Funds. '' We applied to OFAC 's Licensing Division on XX/XX/XXXX. We received a letter from the Department of the Treasury on XX/XX/XXXX, stating that we should contact the U.S. financial institution holding the blocked funds ( Case No. XXXX ). 

After receiving the OFAC letter, I called Bank of America customer service to request the release of the funds. I was told that they had not received the letter and that I needed to wait at least six more weeks for them to process the refund. I waited more than six weeks, but the funds have still not been released. 

I visited the local branch three times to ask one of the bankers, named XXXX XXXX, to help me. I shared all the documents, including the OFAC fund release letter. However, she was also unable to resolve the issue. I do not know what else I can do to have the funds refunded.
Product: Mortgage

On XX/XX/XXXX I made an error and sent my mortgage payment to my credit card, they are both Chase bank products. It created a large credit on my credit card. On XXXX XXXX I realized what I had done and called the Credit Card division and asked if they could transfer the credit to my Mortgage account ( I can see both accounts on one page on the web site, so I am assuming they have the same information ) I was told that they could do this and that it would take 7-10 day, after two weeks when it did not happen I called them again and this time I spoke to XXXX ( she would not give me a last name ) she said she could see the first call and could also see that nothing was done, and she did not know why, she said she would submit a complaint and the transfer should be done in the next 7-10 days, again it did not happen, now I have a late fee and past due notices on my mortgage. I have sent several secure messages to the bank and asked if it was faster to send me the credit, to please do that so I could pay the mortgage, that has not been done. 
I called again and spoke to a supervisor named XXXX from credit card side, also on the line was a rep. from the mortgage side. They said it was being taken care of and that my late fee would be credited back. She said 72 hours. Now today more than 72 hours after that I get a message that they can't do it and will not credt the late fee. I need a way to get to the money so I can pay the mortgage. What should my next steep be?
Product: Debt collection

I was sold to Portfolio Recovery Associates , LLC by XXXX XXXX XXXX. I did speak with the company briefly to try and figure out how to handle the debt. We came to an agreement, but the company is not holding up their end of the bargain. They have given me a ultimatum of paying the whole debt with a lesser amount. I couldn't afford it. So we come up with an agreement of XXXX a month which was okay the first year. Lately they have tried numerous times to withdraw money late in the mornings ex : around XXXX and XXXX way after office hours. I have complained several times and talked to several management people about it. Was told they would check it out and get back to me. This has not been done at all. What has been done is they decided to change the rate other than what we agreed upon. I feel this is not fair to me at all. They are trying to railroad me. I do have proof of someone from the company pulling money off my card that I used for payment late hours of the night. When the office is closed. I also received a message stating that I have not made payments since 2023. This is true.Due to feeling like I was being robbed and treated unfairly. I also have proof of them pulling money in wee hours of the night.. Please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my Lease with Acura Financial. In fact I overpaid and was issued a refund by because I over paid. At that point I believed I was done with the lease. I was subsequently billed for excise tax a month after I traded in my car. I was not aware of this bill. I did not find out about it until I received an alert from XXXX  Honda refuses to remove the late credit report mark. I paid off my lease. I had a XXXX balance after they refunded my over payment. I never received the subsequent bill. XXXX XXXX  told me to keep my plates because all the offices were closed due to the Pandemic. I want them to remove the late payment from my report.