23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I got a mortgage with XXXX XXXX for my home in XXXX XXXX, Kansas. According to the contract I would be paying 5.125 % interest the first year, 6.125 % the second year, and 7.125 after the third year. I was told that my loan would be transferred to another subsidiary company, so I had to pay the first two monthly payments to XXXXXXXX XXXX and then they would send me instructions for the next payments. After three payments, it was still not clear where I should send the payments, I did not know my balance, I had no way to access any online portal with information about my account, I did not get receipts or statements about my payments. My loan was transferred to GenWay Home Mortgage and I contacted the company on many occasions by phone and email. The answers I received were not satisfactory. The statements they sent were wrong. I have been requesting information and receipts for my payments for several months and so far there are no responses. They sent a link where I could register and check my account but it never worked. I was already registered and couldn't reset my password and I couldn't create a new account. I have contacted several representatives who were meant to solve my issues, but nothing has been accomplished so far. I attach the contract and some of the different emails sent back and forth I have done six payments so far and I am up to date. I am paying blindly, no statements, no balances.
Product: Checking or savings account

Chase bank took the contents of my safe deposit box and sent them to Texas. I did not receive notification, they did not ask permission and would not explain their position nor reason just ... it's our policy!
Product: Mortgage

i have two properties in XXXX Ca which i refinanced in XX/XX/XXXX and when i signed all of my Docs all of my docs shows XXXX XXXX California and for some reason Loan care decide to sent all of my mail AGAIN to in address in XXXX keep in mind i already filed a complaint against Loan care in XX/XX/XXXX which got started in XX/XX/XXXX Case number XXXX and here i am again having the same issue. 

Account # XXXX {$2300.00} Account # XXXX {$1800.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XX/XX/year>, XXXX CO XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX BANK XXXX XXXX XXXX BANK XXXX, XXXX XXXX CON XXXX
Product: Debt collection

I had a credit card with chase bank and I went delinquent on the debt in XXXX cause I lost everything, which was my business and alot of my properties, my job in construction. this all happened when the economy went downhill. I was served with a judgement on this case but I was served with 2 judgements but on 2 different times, once in XXXX and once in XXXX. I have 2 judgements reporting on this case and the amount has increased by $ XXXX. I believe this debt was cancelled in XXXX by chase bank but last year in XXXX it was sold to a different collection agency by the name of XXXX XXXX XXXX XXXX and they revived this judgement and now want to collect $ XXXX, when the original debt was $ XXXX. How is that possible? Can someone look into this because this doesnt make sense.
Product: Checking or savings account

The years I had wells fargo they would always authorize any transactions while my card was locked. their excuse was that It was allowed at the banks discretion. But when I had money but was short even a couple of cents for s transaction with an unlocked card they would not authorize the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may be concerned : Upon reviewing my credit report I noticed that the three XXXX  XXXX XXXX account # XXXX has many discrepancies from the date in which the account was opened Transunion is reporting the open date of XX/XX/XXXX and XXXX is reporting XXXX.The next issue if the closed date Transunion is reporting the account closed on XX/XX/XXXX however XXXX is reporting that this account is still ( OPEN ) .The account rating in inaccurate Transunion is reporting the account is closed and XXXX is reporting the account is paid.The creditor type is not correct Transunion is reporting this account as Educational and XXXX   Is reporting this account as Miscellaneous. The last payment date Transunion reported XX/XX/XXXX and XXXX reported XX/XX/XXXX. In addition, if there is a loan that is being reported the term date has to be listed and Transunion reported 120 term and XXXX reported no terms at all. 

In additon, XXXX  is reporting that i have a third XXXX XXXX XXXX account # XXXX in the amount of {$6000.00} it is stating that the open date is XX/XX/XXXX and the closed date is XX/XX/XXXX as well and neither of the other credit reporting agencies is reporting a third loan If this is the same account that is reported by the same creditor in XXXX & XXXX how are these dates different? Due to the apparent neglect in ensuring everything on my credit report is accurate and consistent and up to date as required by the FCRA please " DELETE '' these items IMMEDIATELY. Also another thing that was observed was the fact that if the account is stating that it is closed why is there a payment reported in XXXX? 

Please review the attached information of the three accounts in which I am referring to. 


Thank you for assisting me in this matter XXXX XXXX
Product: Checking or savings account

XX/XX/2019 i had 4 fraudulent transactions on my debit card from XXXX gas station in XXXX XXXX. 
1 for XXXX 1 for XXXX 1 for XXXX 1 for XXXX I called the bank as soon as i was made aware of the transactions that all happened around midnigjt while i was home asleep with my atm card in my wallet. I advised them that i believed there may have been a skimmer or something because i HAD gotten gas at that station on XX/XX/XXXX in the amount of XXXX. They temporarily credited my account on XX/XX/XXXX for the full amount and opened a claim. On XX/XX/XXXX my account was overdrawn because they reversed the credits and claim that the i investigation found no fraud and they were legitimate transactions because of the location although i had told them the transaction from that location 4 days prior was authorized but not the 4 equaling {$410.00}. I called to appeal the decision and they opened a appeal case but said i may not win and may not get my money back. I tried to get this process expedited considering my account is in the negative and i have bills on autopay set to come out and children to feed. 
I dont think that the investigation was fair and even other reps on the phone said they see this all the time with gas stations and its always fraud so im not sure why i as a customer am being held accountable for stolen money. The appeal is in process and will take 3-10 business days.
Product: Credit reporting

I received ticket in Indiana for failure to obey traffic signal. On XXXX the speed limit was XXXX but slowed down when was close to red light when my front steer tires hit the white line the light turned yellow .there was an officer sitting in red light to my left. He should know that I could not have stopped that quick even if I were goin XXXX the weight of a tractor trailer would not be able stop so sudden without loosing the load on flatbed trailer. I was goin show for court but it 's very hard. For driver to make court when you travel so many states.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I updated my online account with my current banking information and set up auto pay to deduct my minimum payment on the due date. The company removed my auto pay, failed to deduct my minimum payment and reported the account 30 days late on my credit reports. The company ( XXXX ) never contacted me to notify me of the removal of my auto pay or to inform me that the account payment was never received. On XX/XX/XXXX, I spoke with a rep named XXXX and she confirmed that the banking account number was accurate and could not provide an explanation of why my auto pay was removed and I was never contacted. I am in the process of trying to secure a XXXX XXXX  and the recent 30 day mark on my credit report could potentially cause me to be homeless. I would like XXXX to reverse the 30 day mark from all major credit bureaus and compensate me for the undue hardship caused by their unfair practices.
Product: Credit card or prepaid card

On XX/XX/2021, I submitted a negotiable instrument to Capital One for payment in full. They credited my account for a different amount than what was instructed on the negotiable instrument. The instrument was deposited.
Product: Checking or savings account

Good morning, I have banked with Chime for a few months, and during that time there have been a number of issues, including platform outages. However, this complaint is specific to a check I tried to deposit last week that was rejected. My check aligned with their published terms for remote deposit ( 3rd party check for less than {$2000.00} daily limit less than {$10000.00} monthly limit, account in good standing etc ) yet was still rejected by Chime. It was from my benefits provider as a reimbursement for child care ( WageWorks ). I attempted to deposit the account with clear images on XX/XX/XXXX and received an email from Chime ( that went into my junk ) on XX/XX/XXXX that indicated, " We are not able to clear this check. '' The check was clearly made out to me -- my name has not changed, and neither has my address ( both which match my Chime account ). I signed the back. It was not expired. My account was in good standing. And I've remotely deposited XXXX checks before. In summary, there was no reason I can possibly imagine for denial. Subsequently, I reached out to XXXX, who confirmed there should be no issues with the check. 

That same day XXXX XX/XX/XXXX ) I messaged Chime ( in their app ) for help and/or clarification as customer service was closed. Their customer service inquiry indicated they would get back to me within 24 - 48 hours. That was 5 days ago and it has been radio silence ever since. 

Thankfully, I've been able to make ends meet without the availability of these funds, but I've opened a new bank account and am waiting the hold time to access funds I've moved over. Not only did Chime break their published mobile check deposit terms, but they were completely unresponsive to my inquiry afterward. If others are reading this, beware, this is NOT an institution I would recommend!
Product: Checking or savings account

On Tuesday, XX/XX/2021 our account was frozen we could no longer access any of our money in both XXXX XXXX and personal checking account. We have contacted SunTrust multiple times for answers they have not given us any. We have been told that there is no timeframe on when we will receive our money. We have not been given a reason why our account is frozen and in the process of being closed. And theres no way to access our money. We owe no debts to anyone so it is not a debt problem. We have had no fraudulent activity on our account. We run a XXXX XXXX and have no access to any money because it is all held within SunTrust. We were given no notice that our account was going to be frozen and then after will be put in the process of closing. On Monday, XX/XX/2021 our account was working and we were using it as normal. No notice was given but then the next day on Tuesday, XX/XX/2021 everything was unusable including debit cards and any access to account online. once again this was without any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to the credit reporting agency to dispute the following account: XXXX XXXX XXXX XXXX or XXXX XXXX. This public record does not belong to me. It was my understanding that the credit bureaus are required to check items with the credit grantor reporting the information, and remove any information the credit grantor cannot verify. It was my further understanding that the credit report bureaus must complete investigations within thirty days of receiving a letter. My credit report continues to have inaccurate items on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : XXXX XXXX loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer XXXX transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with XXXX and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX  XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN. 

Payments were made to XXXX for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX. 

All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate. 

I have done all that XXXX has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her XXXX XXXX as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS. 

Please help us, XXXX XXXX
Product: Debt collection

I have received a bill that was created on XX/XX/2021 from portfolio recovery associates for charge off balance : XXXX and a balance of XXXX stating that an account was created with my personal information without my permission and a debt that was not validated by me the original creditor and consumer. It was stated that this information was sent to the litigation department in their company and any information obtained to about me to collect debt will be used for that purpose. 

I will be mailing a letter to dispute this debt and to demand this company to remove this collection from off all three credit bureaus. Also to cease and desist all communication with me written and orally and sending a affidavit of truth. 

This company violated list of all the violations under FDCPA with a monetary of {$1000.00} 15 usc 1692c ( a ) 15 usc 1692d ( 1 ) 15 usc 1692e ( 10 ) 15 usc 1692f ( 1 ) and Identity Thief collection my personal info without consent and account made without my knowledge.
Product: Credit reporting or other personal consumer reports

I have paid XXXX XXXX XXXX XXXXXXXX balance in full and its still showing on my account as a upaid balance Im asking bureaus to please remove and correct this balance to paid in full
Product: Mortgage

In XXXX of XXXX I asked freedom mrtgage to remove the PMI from my mortgage since the value to loan percentage was below 80 % They relate dit would drop off automatically when the 80 % number was reached. 
In XXXX of XXXX I spoke with the company again about an insurance issue they had inflamed and asked again about having the PMI removed. They related that I was well within the safe area to have the PMI removed and they would send me a letter to start the process. 
XXXX I spoke with them again about the PMI to be informed that they had sent me a denial letter due to payment history. ( i have been on time or early in my payment since the loan was purchased ) I did not receive any correspondence from the company aside from my monthly bill and marketing to refinance through them incurring additional closing costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking to remove the incorrect names and addresses on my credit report. First, I don't know how the information was provided because I dont have accounts of anything on my report I have NEVER lived at the addresses provided on the reports. Please be advised I have sent 5 letters at 5 different times asking to send a revised reports with the correct information on it. 
I have sent letters to XXXX, XXXX, and Transunion on XXXX Please address the the bureaus any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} Please help me and advise how to proceed.
Product: Mortgage

I have an escrow account that is set up to pay my property taxes. Property taxes in Wisconsin can be paid in two installments, with the first installment due on XX/XX/XXXX of each year and the second installment due on XX/XX/XXXX. 

I contacted my lender by email on XX/XX/XXXX. Since my loan had recently closed on XX/XX/XXXX, I wanted to be certain that the first installment of property taxes would be paid. The representative assured me that property taxes are paid by the due date. 

I contacted my lender again through their messaging system on XX/XX/XXXX since I could see in my escrow history online that the property tax amount had not been disbursed from my escrow account. I also contacted my lender by phone on XX/XX/XXXX. Both times I was advised to send an email to a " delinquent tax '' email address. I emailed on XX/XX/XXXX. 

Today is XX/XX/XXXX. I have not received a response from the " delinquent tax '' email address, nor have I seen the property taxes disbursed from my escrow account and I can see on the county 's property tax website that the taxes have not been paid. The property taxes were due 4 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the er on XX/XX/XXXX for a minor XXXX. Long story short, the hospital used wrong equipment on me and tried to treat but was not able to. on the admission forms I did not provide my social security number, but did go thru my health insurance anthem XXXX XXXX. My suspicion is that XXXX gave the hospital my social security number without my authorization or knowledge, only to find out later it was reported to my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Talked with a Chase representative in XXXX of 2017 about the mark " Bankruptcy Dismissed '' that is continuing to be reported on my XXXX Credit Report after 10 years. The Chase rep. assured me at that time the matter would be investigated and removed. In XXXX of 2017 I received a latter from Chase dated XXXX XXXX, 2017 stating " We asked the four major credit reporting agencies ( XXXX, XXXX, XXXX and XXXX ) to remove the reference to Chapter XXXX bankruptcy on your credit profile. '' However, XXXX has failed to comply. I have certainly spoken with both a XXXX Rep. and Chase rep. on XX/20/2017 about this matter. Chase instructed me to take this matter up with XXXX and XXXX has instructed me to take this up with Chase.
Product: Mortgage

Attempted to reach out XXXX XXXX Bank of America Mortgage lender on Wednesday XX/XX/XXXX for an update on a pending loan and received no response. Previously emailed her on XX/XX/XXXX responding to her email that she only sent because I reached out to Bank of America and they contacted her but refused to speak on the phone with me. Contacted MrsXXXX XXXX supervisor XXXX XXXX XXXX on XX/XX/XXXX via email and no response. Have tried calling XXXX XXXX XXXX multiple times before emailing and no call back either. The issue I am contacting about is that an appraisal has been on hold for the last 3 months and they have not been able to do it causing a delay on my living situation.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, EXPERIAN, AND XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A friend paid money to my old account by acciendent and cash app os refusing to return it to her or five it to me.
Product: Debt collection

I have disputed my debt on 3 occasions, only to get the same response from Experian on XX/XX/XXXX, XX/XX/XXXXreporting number, and onXX/XX/XXXX. Experian disputes that my debt is not paid, not only is this incorrect, but has been on my credit report displaying inaccurate information. I have proof of written document signed by United States Attorney which includes his contact information. I also reported dispute process to XXXX on XX/XX/XXXX and have similar results with this company as well.
Product: Money transfer, virtual currency, or money service

I thought utilizing ace check cashing service would have directly with avoided the exact dilemma that ace is imposing on me and my credit now. Apparently paying a huge check cashing fee, ( I only got approx 80 $ ) as well as other membership fees are all for nothing - because now ace is telling me a check they confirmed and cashed for me as well as charged me for, was not good? And now I owe ace the original check cashing fee, ( 12-15 $ ) the amount of the check, ( approx100 $ ) another fee as well ( XXXX $ ) and a returned fee. ( XXXX $ ) All this totals up to many more dollars than I ever even received from ace after I used their services approx three months ago. Now two months ago they claim I owe them many more dollars than they ever gave me after using their services, and finally a month ago they stick it on and attempt to ruion my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022 and XXXX XXXX. The complaint I'm referring to includes complaint number XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. In that complaint pursuant to 15 USC 1681i ( 7 ), I demanded EQUIFAX send me my REINVESTIGATION results in 15 days of the late payments that I have disputed that they claimed were verified. I asked for the description of the procedures included in 15 USC 1681i ( 6 ) ( B ) ( iii ) that EQUIFAX have taken to receive those results. It has been way pass 15 days and I have not received any " REINVESTIGATION '' results. I have also asked for the written instructions I gave EQUIFAX, pursuant to 15 USC 1681b ( a ) ( 2 ), to furnish this information on my consumer report. Without my written instructions, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. I have not receive those written instructions either.