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

On XX/XX/XXXX I took out a loan with XXXX XXXX for {$1000.00}. I was expecting to receive some money from another source to pay the loan off my the time it was due on XX/XX/XXXX. That fell through and I ended up having to renew the loan instead. I went to the office to inform them of this they said no problem, just make payments. I asked if I needed any additional paperwork. I was told just make a payment, after receiving a letter from them by mail telling me how much. Well, I have made my payments every month for 7 months. I have been late a couple of times, but I was told to just come to them in person, before the due date to arrange a late payment, which I did each time. I was never given any additional paperwork, except payment statements, by mail. They would just put what day I was going to pay in the computer. I have paid a total of {$1300.00}. I have a XXXX XXXX XXXX. I have tried several times to get other companies to pay off the loan, so that I can get out of this mess, but they all told me that my car is only worth $ XXXX {$900.00}. Therefore they could not help me. I just continued to make my payments and I am current on the account, but they still say I owe them {$930.00}. I will have paid them over {$2000.00} for a {$1000.00} loan. I never signed anything agreeing to pay that much for the loan, I just defaulted into monthly payment, due to not being able to pay it back all at once. On XX/XX/XXXX, I called the office to speak to somebody about a settlement. I basically got the run-a-round and was told that I would be contacted later, but later never came. I understand that when you borrow money, you have to pay it back, but they are really taking advantage of people and bleeding them dry. Something has to done about this. This has put me in worse shape than I was in the beginning. The monthly payments range from $ XXXX $ XXXX/month and the day it's due changes. I feel that I have paid enough and the loan should be consider Paid-In-Full and I should get my title back. I will NEVER do business with them again!!!
Product: Mortgage

Shellpoint Mortgage Servicing is mailing my monthly statements to another address. I have contacted them twice and was told the mailing address in their system is correct, but the 3rd party vendor they use to send the billing statements obtains mailing addresses from the USPS and the error is in their database and Shellpoint is unable to correct this. This is unacceptable, it is not my fault USPS has a different address for me, and I have not been provided information on how to fix this other than to contact the USPS. This is a violation of TILA, and Shellpoint is knowingly allowing a 3rd party billing statement vendor to override what they tell them my mailing address is and allowing the vendor to send my personal private information to another address I have never lived at. They have no manual override process to stop this. This is now a violation of TILA as I am not receiving my monthly statements as requested, and GLBA as my Personal Identifiable Information it knowingly being sent to an address Shellpoint KNOWS is not my address in spite of asking them to correct this. I am demanding my billing address be updated in whatever database their 3rd party vendor is using, a list and copy of all documents not sent to my XXXX address and a year of credit protection to ensure my personal information is not used. I am seeking {$400.00} for each statement not mailed to my XXXX address for knowingly and willfully violating my rights under TILA
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I submitted a complaint to the CFPB against Account XXXX XXXX for an inaccurate, erroneous and unverifiable entry that was placed on my account. XXXX XXXX XXXX responded by stating that they were informing me that they were instructing the bureaus to DELETE THE ENTRY!! ( See attached ). To date, Equifax has not done so. Equifax needs to delete this entry and provide me a copy of my updated credit report that reflects the deletion.
Product: Debt collection

I checked my online credit report today and discovered that my credit rating had dropped from very good to fair due to a bad debt of {$1600.00} that had gone to collections. I remember receiving a debt collection notice in the mail less than a month ago, but I had disregarded it after XXXX the agency name and only coming up with fraud messages. At that time, when I had tried to call the number in the mail, I was not able to reach anybody or even a machine. My credit report says that the original creditor is a company called XXXX XXXX, but I have never heard of that company before. I have never taken out that loan. I really need help because none of these companies are responding or even available for questioning.
Product: Debt collection

I received a settlement offer from Credit Control LLC for an unpaid debt that I owed to the XXXX XXXX for a XXXX XXXX XXXX account. The total amount owed was {$2100.00}. The settlement amount offer was a XXXX time payment of {$740.00}. I paid the settlement amount in one payment. Once paid, Credit Control first argued with me and stated that they do not send letters stating that the settlement amount had been paid to the consumer, only to their client. After receiving an email regarding an account that wasn't even mine and four phone calls to a supervisor with Credit Control named XXXX XXXX I was finally emailed a letter stating that I had made the final payment. I was then contacted by XXXX that there had been an update to the account on my credit report. Upon receiving the update I was made aware that the company stated that I still owed the remaining balance on the account, even though they offered me a settlement, I paid it and was told that the account was resolved and closed.
Product: Debt collection

This company do not have the account any more. Do n't no why they keep calling and bulling me, my family members and friends. Maybe its because I solved a case for them. They should give me award instead of trying to bull me. Maybe its because there clients daughter works for them. These company need to have the same practice for all clients. If they are employees there family and friends get there accounts cleared or so I heard. ( Allegedly )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I tried contacting the TransUnion Credit Bureau and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

Withdraw issue, bank website doesn't load I opened two XXXXAxos Bank joint accounts, one in XX/XX/XXXX with an approximate balance of {$350000.00} and other in XX/XX/XXXX with an approximate balance of {$260000.00} from the very beginning I have had problems with downloading information regarding my account. The account information is in the process of downloading, but never does. 

I have complained about it many, many times with phone calls and also emails. 
The interest was high at the time and so I put up with it. 

Now I have requested to closed my account with wire transfers for both accounts, because I have not been able to transfer funds from for either account, move money as the bank calls it, because of the downloading issue. So what I'm doing now is starting the transfers from my other accounts. For instance, a checking account from my reliable bank. The transfers are initiated from my reliable account, from Axos bank to my checking account. That is the only option I have. 

I have submitted a " wire transfer request form '' for both accounts on XX/XX/XXXX. First they were telling me I didn't enter all the information needed, which I did. Everytime I would call them they would come up with another reason they couldn't process the transfers. The last reason was that the Wire Transfer system was down. I have called them everyday since XX/XX/XXXX and more excuses. 

I finally ask them to send me a check closing the accounts. They said it would be 3 to 4 weeks to do that, which seems like a very long time. In the meantime I submit my transfers from my checking account, then transfer the money into other savings, CD, or MM funds. 

I am positive I will never get the funds from AxosXXXX and at the rate I am processing the external transfer from my checking account it will take me three months to get the money out of AxosXXXX. 
I am XXXX XXXX XXXX, I have worked in XXXX XXXX XXXX XXXX XXXX and this type of service is horrible and I'm sure illegal. 

To find out what they are doing and why it's just impossible for them to not want to release my funds?
Product: Mortgage

I called Ditech about 1 month ago. 

I told them that I wanted to drop my Private Mortgage Insurance ( PMI ). 

They wanted me to Write Them A Letter. 

They will not talk to me about this on the Phone. 

They finally gave me an email address that I could send them an email. 

I emailed them my information and told them I wanted to drop the PMI. ( you can do this after you have had the loan for 2 years ). I have had the loan for 3 years. 

They denied my cancellation due to the fact that I did not send them a Authorization For Appraisal. 

It has taken 2 weeks for me to be denied be cause I did not send them a Aurthorization For Appraisal. ( I had no idea that I needed a Authorization For Appraisal Form and no idea of where to get one ). 

My complaint is this : We live in the 21st century. Every other department that Ditech XXXX has, you can talk to a representative. 
However, to drop your PMI, you have to use Stone Age communication. They do not freely give out an email address to the PMI department. You have to threaten to contact the Insurance commision or the Federal Trade Commission to get an Email Address. They should be made to have a phone number for the PMI department and personnel experience with PMI answering that Phone Number. 

I have sent the Authorization For Appraisal Form to them by Fax and mailed a letter to an address in South Dakota that they gave me and I did get an email address from a lady at Ditech, but I am not sure if the email address is actually to the PMI department. 

This is unfair to the consumer : If you want to pay them money, they will gladly give you a hotline to call, but, when they legally have to allow you to drop PMI after 2 years if you owe less than 80 percent of the loan. They will Not talk to you on the phone. They make it very difficult to communicate with them about removing PMI from your Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect information being reported about my student loans since the beginning of XXXX. XX/XX/XXXX I had gotten an alert about changes on my report. I was appalled by the blatant lies and incorrect remarks I seen by an XXXX  associate. I immediately filed a dispute, and even with undeniable evidence against them, they refuse to admit their fault and remove this account, They have it listed as a WRITE-OFF when I clearly consolidated my loans and they were paid in full. The account in question is PAID IN FULL and is within 6 months of being 7 years old, and they refuse to remove it and this is a violation of my personal information because ( 1 ) the information in INCORRECT ( 2 ) I have paid this account in full and ( 3 ) I have to fight enough because of XXXX  exposing my data in a data breach and I am now a victim of identity theft because of them. This account should be removed!
Product: Money transfer, virtual currency, or money service

XXXX withdrawal cash and company is telling me they disabled my withdrawal due to security reason because I cant withdraw to the original funding account because its closed and will need to withdrawal to my other bank account thats already linked to sofi investing.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX FIFTH THIRD XX/XX/XXXX COAF XX/XX/XXXX CAPITAL XXXX AUTO FINANCE XX/XX/XXXX CAPITAL XXXX AUTO FINANCE XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> Cash app abruptly closed my account stating " gambling '' as the reason. Which is completely false and inaccurate as I've never gambled with this account. Called twice to get clarification as to how I was in violation and neither of the representatives told me what the gamble violation was, also both were rude and hung up on before I could finish talking. I'm not in violation of any policy as the last transaction I made was a repayment to cash app borrow on XX/XX/XXXX and prior to that a cash birthday gift to my brother on the on the XX/XX/XXXX. This is ridiculous and I need a copy of the specific transaction violation ( s ) that occured which caused them to abruptly close my account. If Cash App can't provide the exact detailed transaction violation committed, then my account closure was unfounded and needs to be reinstated immediately. Also I've spoken with others who has experienced unsubstantiated Cash App account closeures! My next course is legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This phone number as well as sister numbers as XXXX and XXXX that are continuously calling me. I have told them to stop and not to call me I have tried blocking them but they are still calling me. They are saying they are a business called Credence Resource management. I've razed reviews and everyone is identifying them as scammers. I have told them repeatedly that I know they are scammers and that they need to stop harassing me. I have informed the federal trade commission and filed a complaint with them as well.
Product: Debt collection

Bank of America had a few issues with me in the past and they also took sides of another business/ car company over me and Im the one paying. I owe XXXX and I was trying to pay it but the lady at the bank refuse to give me an account because of it she said. But when I spoke to a rep they told me that I can have a account and it sucks because I was creating 2 accounts, paying my debt off and this the treatment I received. Then th auto loan price was over priced and yet Im still in debt and I didnt even get to even my product. The delearship refuse to fixed the car I complained multiples times about and I informed the bank about the issue and nothing was done.
Product: Mortgage

JP Morgan Chase is not crediting my 2 years of principal payments or trial payments to a new loan modification offer, after I became unemployed for 6 months. I made all my deferment payments and all my trial payments and am now gainfully employed again. So they are in my opinion, stealing all the principal payments I made prior to becoming unemployed and unable to make my normal payments, as well as, in my opinion, stealing my trial payments. None of them were applied/credited to the new principal balance offered in my new loan modification documents. The principal balance was completely misrepresented at a loss for me of approximately $ XXXX principal dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second attempt to have the problem resolved. I requested to have Accounts verified that are being reported on my CR. I still have not received any correspondence into the investigation of these accounts.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Mortgage

Everyone is saying that you will not tolerated XXXX XXXX XXXX/ Ocwen Loan Servicing LLC . To continual harassing the consumers but Im not be treated with the respect, dignity, and fairness that I deserve. I would like to send you proof that OCWEN is still up to their old tricks. AHMSI mortgage payment was not behind, but the mortgage company force place insurance. The new insurance company sends the information to the mortgage company. I change insurance company. I fine an insurance that would insurance my home for half the amount of my old insurance. 
I do not have an escrow account with my AHMSI mortgage company. I pay my own Taxs and Insurance and I do it on time. But my AHMSI has opened an escrow without notified me until after paying a cancel insurance policy. The old company did not cancel I wrote a letter telling them to cancel and phone call ; I end up getting the insurance commission involved. This has been going on for over nine ( 9 ) years at this time. 
Through bankruptcy chapter XXXX I received this mortgage contact, and I am not pleased with what Ocwen Loan Servicing LLC presented to me. The payments began onXX/XX/XXXX how I can make a payment on XX/XX/XXXX when I just received the contact from you to review XX/XX/XXXX Ocwen Loan has changed the contact and I decided to consult an Attorney for a second opinion, and I found out that : Interest rate is the only thing that looks appropriate in this document 19 years payment vs. 30 years is not good for me and this also changes my contact. 
I did not want it but they gave me a BALLOON PAYMENT, now its a balloon Interest Bearing Principal Balance that group interest this also change my contact. 
Interest, Escrow, and Monthly payments all adjust when everything I had before was fixed. 
I need someone to look into this matter as I do not accept this mortgage modification that was presented to me. I have been advised not to sign anything and if needed, to take further action to expose this fraudulent mortgage business practice. I look forward to your prompt reply. 
The mortgage insurance has pay off the mortgage you can check MERS website and it look like it was done before the foreclosure procedure was done. 
MERS MIN : XXXX Note Date : XX/XX/XXXX MIN Status : Inactive Servicer : Ocwen Loan Servicing, LLC Phone : ( XXXX ) XXXX, XXXX XXXX XXXX, FL.
Product: Credit card or prepaid card

I have received a Visa credit card from BBVA Compass bank and for every purchase, the account gets flagged for fraud, making it a huge inconvenience to try and get through to their fraud monitoring to unlock the account to verify that I had in fact made these purchases. On top of that, now, when I call in, I feel like my privacy has been violated. I am not calling to report fraud on the account. Instead of confirming that I had been the person making the purchases, BBVA is asking for very specific details about the transactions -- what I purchased at the retailers -- which I feel is a gross violation of my privacy.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX account number. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
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 federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.