23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For over seven years I have had been requesting why the mortgage servicing company would show a past due on my monthly statement. Each time I would get a form letter stating that I would get a response within XXXX days - NEVER got any additional response. It was easier to change the servicing companies - XXXX, XXXX, XXXX XXXX XXXX, XXXX and Ocwen in XXXX years. During that period the servicing companies made payments for insurance and taxes before the due date ( my on time payments were returned as the bill had already been paid ) - I DID NOT ESCROW, I paid myself. I believe that there actions were in an attempt to build a reason to foreclose. In XX/XX/XXXX XXXX XXXX ( law firm in XXXX ) got involved. I provided copies of my requests for a detailed statement with explanation of what I owed. FINNALLY - a letter from XXXX of XXXX/XXXX/XXXX provided a statement.. I provided copies of the cleared checks and copies of the checks returned by the servicing company accounting for all the months on the statement up to the time ( XXXX/XXXX/XXXX when I stopped making payments as they were just returned. I also included proof of payments for insurance and taxes ( with letter from Tax commissioner when my payment was received after the mortgage company had paid, although I PAID ON TIME ). I Itemized what was due ( taxes and monthly interest payments since they began to return my checks ) and offered to pay in full {$34000.00} the total amount due through XX/XX/XXXX. I have NOT received a response. There efforts are to get the court to put my loan in default and foreclose. During the last months I have receive a stack of documents the lawyer has sent to the court. I have responded to the court each time providing the background as I am now doing. 
I believe the actions not taken to resolve and taken in a effort to foreclose is a crime against a senior.
Product: Debt collection

I have been contacted, and the company XXXX XXXX XXXX working for XXXX XXXX XXXX XXXX XXXX who somehow acquired the account from Tempoe has sent me 2 letters in the past month on XX/XX/XXXX and on XX/XX/XXXX about a debt that I do not owe. I also have received several phone calls in months past about the debt. I submitted a police report to the company last week XX/XX/XXXX proving to them that the fraudulent bill was a matter of identity theft. I continue to be harassed by companies that the original debtor has employed to try to continue to collect on this debt. I filed a police report on XX/XX/XXXX and reported the same information to all 3 credit bureaus in XX/XX/XXXX.
Product: Debt collection

I received letter last week from XXXX a law firm which states they do n't have any attorney personally evaluating my account however Midland Credit Management is stating I had a credit card with XXXX Bank in the amount of {$830.00} in which a bill was going to an address where I never lived in XXXX XXXX. They asked me a few questions and unfortunately I did give my social number however my wife noticed there were charges in XXXX on the credit card and they had a DOB which was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on my credit report XXXX fraudulent hard inquiries in my name from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent accounts in the sum of {$4200.00} open XX/XX/XXXX. XXXX  XXXX have XXXX fraudulent accounts in the sum of {$1400.00} open XXXX/XXXXXXXX XXXX XXXX XXXX  have XXXX fraudulent account in the sum of {$830.00} open XX/XX/XXXXXXXX XXXX have XXXX fraudulent account in the sum of {$300.00} open XX/XX/XXXX. I have written and called experian, XXXX, XXXX about XXXX XXXX
Product: Debt collection

As of XX/XX/XXXX I have sent all 3 credit bureaus letters requesting proper validation and verification of what appears on my credit report. Bank of America continues to show this as a revolving account, but I do NOT have this account. It was supposedly opened on XX/XX/XXXX. I want this bank to show proper validation per guidelines that this account belongs to me.
Product: Credit card or prepaid card

I have XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX and XXXX XXXX. I had my XXXX XXXX VISA for over 10 years, and I paid the balance off earlier this year. I had XXXX recently and I have had a difficult recovery. Apparently, the annual fee was charged in XXXX, and I missed the statement email saying that. On Saturday, XX/XX/XXXX, I got an email saying that Chase closed my card because of this. I immediately called, explained my situation and that I could send them proof from my doctor and said Id be happy to pay the annual fee but asked if they could please reopen the account. I was told no because Im now considered a risk to the bank. Seriously? A risk to the bank? How? I spoke with three levels of Supervisors who all told me the same thing. Im so upset. I cant believe they wouldnt understand a serious medical issue after all of my years with them and that I was obviously a good customer because I had a {$19000.00} credit line on this card.
Product: Credit card or prepaid card

I was issued a Bank of America XXXX prepaid card. I was unable to use the card within the first 6 months of issue due to COVID. The card expired. The company has kept the {$100.00} and closed the account even though by law I should have been given 5 years.
Product: Credit card

The XXXX month I paid my BOA credit card statment XXXX cents short. The 2nd month came with that amount due plus a : '' minimum interest charge '' fee of {$1.00}. I called, was told as a long time customer they would waive it, so paid my balance minus the {$1.00}. the 3rd month - the charge remain plus incurred another " minimum interest charge '' of {$1.00}, called and was told the {$3.00} would be removed, so paid the balance minus the {$3.00} ; 4th month, got a credit of {$3.00} but got another {$1.00} " minimum interest charge. '' This time I was told even though BOA was giving me credit, I had to pay the {$1.00}, because the credit would n't go into effect until after my balance w/the fee was paid. I would then receive a credit, which would then be applied to my future balance. Why? ca n't BOA, when they say they 're going to remove their charge, remove it at that time like they do other vendor charges that are being credited back? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting three of my student loans late on all three of the Major Credit reporting companies. The Cares Act of 2020 has placed all Student Loans in Forbearance. Navient Refuses to rectify the situation my student loans should not be reporting late.

Navient has a history of not following proper procedures and has also been sued numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Debt collection

XXXX XXXX XXXX, P.A Attorneys and Counselors at Law continued to contact me after I have already notified them that I do not owe the ANY alleged debts and I have sent them a Notarized Cease and Desist repeatedly. 

Date : XX/XX/2021 Amount : {$34000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

I applied online for a credit card through three different banks. I was approved on all three. When I received the card from XXXX ( onemain financial ) I decided against activating it due to the interest and fees. 

However, despite my card never being activated they opened the account and charged me an annual fee. They now are reporting it as 90 days past due on my credit and have significantly impacted my credit score. 

I attempted to locate a phone number to no avail. Their website is extremely limited on ways to contact them. I finally was able to get a real phone number and then their system did not allow me to speak to anyone unless I had my full card # - the very card I did not have after shredding it!! Through my credit report I located a number that got me to their collections department. 

I asked them to remove the charge as the card is not active, I no longer even have it physically. The representative said they can not even though she sees my card has not ever activated. I asked to speak to a manager and she refused to let me speak to anyone. 

I receive texts ever since I called them and Ive replied to texts and emails stating that I do not owe them an annual fee on a credit card I have never used or activated. Nothing has been done.
Product: Credit reporting or other personal consumer reports

I write to dispute data by TD Bank USA Target credit account due to missing, incomplete, inaccurate, conflicting and Facially False Data from my recent paper credit reports. I need the exact date of first delinquency supported by monthly statements from XXXX to XXXX. The required exact date of first delinquency is not prominently displayed on my credit reports. Thus constitutes a {$1000.00} willfully violation of the FCRA. I need the exact date of first delinquency on my credit reports. My account must be permanently listed as disputed and it was required to have been permanently disputed when I closed my account in XXXX and TD bank USA failed to promptly or immediately report the account as closed by consumer mandating another willful FCRA violation for {$2000.00} effectively extinguishing the claims if TD bank. Missing data also needs to be inserted. Based on statutory damages and missing credit data it appears that usurious interest has been charged which extinguishes any disputed purported debt. No debt us owed and the account is permanently disputed. If the account remains it must be listed as disputed, closed with the exact date of first delinquency.
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing to appeal the permanent limitation placed on my PayPal account, which I believe to have been a mistake. I would like to respectfully request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to state that I have not violated any PayPal policies. I have always complied with the terms and conditions of your service, and have never engaged in any fraudulent or suspicious activities. I have been a loyal and responsible user of your platform for a long time, and it is therefore deeply concerning and distressing to me that my account has been limited. 

I strongly believe that this limitation was a mistake, and that there has been some misunderstanding or error in the assessment of my account. I am therefore eager for you to re-investigate my case thoroughly and to consider any evidence or information that I can provide to support my appeal. 

In light of the above, I would like to request that you restore my account and lift the limitation that has been placed on it. This would enable me to resume using PayPal for my transactions and to continue benefiting from the many features and advantages that your service provides. 

I appreciate your attention to this matter and would be grateful for any updates or information you can provide me regarding the status of my appeal. If you require any further information or clarification from me, please do not hesitate to contact me at the email address associated with my PayPal account : XXXX. 

Thank you for your consideration. 

Sincerely, [ XXXX XXXX XXXX
Product: Checking or savings account

I have overdraft protection and Welsfargo still charges me {$35.00} overdraft fee
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police 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 gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Student loan

The student loans I acquire was with XXXX University which is currently under investigation for illegal student loan practices and funding for students. I have tried many times to get my students loans forgiven because of this and has been not successful. In my attempts to contact the student loan company I have been on hold for hours or the phone would disconnect. Sometime I keep getting switch between operators until the phone would just hang up suddenly. This is very unfair and unprofessional when I'm only trying to info on resolving my student loans and to see if they are eligible to be remove as debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX XXXX  # XXXX $ XXXX ...
Product: Credit reporting or other personal consumer reports

15 u.s. code 1681 ( i ) - re inserted an item and never notified me within the timeframe. penalty {$1000.00} per item. XXXX XXXX
Product: Mortgage

I received a letter from Wells Fargo Home Morgtgage a couple of weeks ago indicating that their escrow ananlysis indicated an upcoming escrow shortage of {$490.00}. I agreed with this analysis and immediately called Wells Fargo Home Mortgage to advise them that I would be mailing them a check for {$490.00} to cover the escrow shortage. I subsequently made my monthly mortgage payment ( which includes escrow ) by the XX/XX/2018 due date. The separate check for {$490.00} was received by Wells Fargo and was reflected as having been cashed by Wells Fargo according to my bank.

Today I received a statement for the XX/XX/XXXX payment from Well Fargo. It omits the fact that I paid the escrow shortage of {$490.00} and my subsequent XX/XX/XXXX payment ( and every payment thereafter ) is higher than it should be. I immediately called the Customer Service Department at Well Fargo and they could not confirm receipt of the check for the {$490.00}. I advised them that I can see through my banks online banking features that the check was cashed by Wells Fargo. I was told they would look into where the {$490.00} went.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted XXXX  to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.
Product: Student loan

I have had nothing but problems after getting my student loan through Navient Solutions. They have done nothing but mislead me and borderline lie about the options available to me for my student loans. The only reason I had gotten a loan through them in the first place was because, being a first time college student, I could not get a loan for my education without a cosigner and they accepted my mother as a cosigner right away. They told me that they had income based payment plans for after I graduated, forbearance requests, etc. THAT WAS A LIE. Every time I have called to discuss my payment options they told me the only thing they could do was put me on an automated payment schedule. I have repeatedly told them that my problem was NOT paying on time, but that at my current job I could not afford my monthly payments. They refused to even talk about an income based option or ANY other option I have available besides setting me on automatic payments. It was either I pay the full amount, my co-signer pays the full amount, or I default on the loan. The person then had the audacity to ask me if my co-signer had any assets they would give up to pay MY loan! They also would not give me any significant information without my cosigner on the phone even though it was primarily my loan. I have call logs where they have called me 12 times a day starting XXXX even after I have called to talk with them. After going back to school they promised that my payments would go down to the {$25.00} a month as said in my contract. I even called them ahead of starting classes with my program information to make sure that my payments would in fact go down to that amount and they said absolutely. Now they are saying my program does n't qualify! I would have waited or found another program if they were honest with me from the beginning. The company has mislead me and took advantage of my mother and I knowing I was the first child in my family to go to college and take out a student loan. I warn everyone I know that 's going away to school or with kids going to school to stay as far away from Navient as possible!
Product: Checking or savings account

Dear sir or madam, I am attempting to close my BBVA checking and savings accounts since they were migrated from Simple, and now evidently they're a part of XXXX. 

I attempted to close my account via their XXXX on Monday, XX/XX/2021, and when the associate answered the phone they told me their systems were down, and they couldn't access my account. 

Today, I looked at my latest statement ( dated XX/XX/XXXX ) which clearly states they are available by phone 24/7 ( see attachment 1 ) An audio recording states that due to COVID they are not open 24/7. COVID has been ongoing for over a year. Why haven't they updated their standard forms? 

I then tried to close my account online, by signing up for online access, and even though I entered all of my information correctly ( see attachment 2 ), I received an error ( see attachment 3 ). 

I would like to close my checking account, which has a XXXX balance, and my savings account, which as of my statement, has a balance of {$50.00}. I would like this issue rectified immediately. 

I didn't ask for my accounts to be migrated from Simple to BBVA, and soon-to-be XXXX. 

BBVA clearly has technology problems. Not only that, they have stated misleading and incorrect statements on customers monthly statements. Clearly they are putting profits ahead of customer service. This is unacceptable. 

I request your office 's help in remedying this issue. 

Regards, XXXX XXXX