23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

HAF program sent a total of 3 payment to my former servicer. Security national mortgage company received a payment in XXXX, another in XXXX and last one in XXXX. loan was sold and transferred XXXX  XXXX and after 90 days they have yet to send payments over to new servicer or send back to original sender. 
I have been contacting their subservicer for over 3 months and they refuse to assist me. I understand it is not cenlars fault, it is Security national mortgage company their name is on my documents. At this point they keep violating my rights as a consumer. The server refuses to return or forward payments over to my new and current servicer. I have spent too many hours on the phone and no one wants to help. Security national forced me to put my loan on a forbearance because they are not forwarding payments received in a timely manner from HAF program.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found these late payments on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Student loan

Fedloan refuses to tell me how many payments I have made that would count towards my Public Service Loan Forgiveness ( PSLF ) program. I received a letter in XXXX of 2018 letting me know that my employer qualified for the PSLF program and that they would contact me within 6 weeks regarding how many qualifying payments I have made. It's been a year and they still haven't completed their " audit ''. Every few months I call and they give me the same answer : " It hasn't been completed ''. I've been patient and understanding but I refuse to wait any longer. I suspect that they are attempting to find a way to discredit many of my payments that I have made over the past 6 years. I am losing sleep over this and want a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am the natural person, consumer, and original creditor. I entered into a consumer credit transaction with XXXX on XX/XX/2021. They are committing fraud because they got paid with the finance charge and mislead me to believe i still needed to pay monthly payments to them. Everything was paid for when the application was done. The alleged debt is dealing with medical information. According to the law noone is suppose to report medical bills to a consumer report. Thats fraud. then they sent my information over to a ic systems collection agency and consumer reporting agencies. That is an infringment of my privacy because i never gave XXXX the written consent to give my information to no other company. Credit reporting is fraud everything starts with the consumer. Nothing can be furnished unless the consumer gives the consent because the money is mine. Im extending them credit therefore they have to do as i say.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XXXX XXXX, XXXX I received a CFPB settlement check from E-Backgroundchecks.com dated XXXX/XXXX/XXXX, Check Number XXXX, Invoice Number XXXX in the amount of {$910.00} that would void if not ashed within 180 days of the original issue date. I called E-Backgroundscheck.com on Monday, XXXX XXXX, XXXX at XXXX CDT and spoke to XXXX XXXX who told me that they re unable to reissue a new check because the check was not cashed within 180 days. This check did not show up in my mailbox for nearly two years and I am requesting that a check be reissued since I was wrongly discriminated against on an employment application as a result of information that was wrongly provided by E-Backgroundchecks.com to a potential employer. I am requesting your help in getting this check reissued. I am also providing a copy of the check and cover letter that was mailed to me as supporting documentation. 
Thank you for your assistance XXXX XXXX XXXX
Product: Debt collection

we rented a house from this company, and he did not fix anything we went to court court ordered us to pay him XXXX dollars and move and we did. He owns a low-income apartment complex we never lived in after we paid him and the case was over he took our information and placed an amount on our credit report as if we lived in that complex we never lived there.
Product: Checking or savings account

1. Open account with comerica in XXXX. Called rep said had no record of account have to go to bank. 
2. Open account at XXXX bank with teller XXXX. Checking and saving XXXX dollars was placed in each account 3. Recieve a debit card went to use it saying that cant access checking or saving. 

4. Call rep on phone comerica saying that i have to go into bank 5. Went into the Comerica. Say that comerica had no knowledge of the account and can not prove my identity- provide license and w2 form and valid license - asked rep to close account. Provided a number 6. Talk to fraud rep. I asked to closed account and wanted money back. No longer need the account. He shared we just trying to protect you. He said i could get XXXX dollars return to me.that i would be c 7. The rep called. Said i could not get XXXX back. They could only pay 20. Ask me to come in the bank to get check or send by mail. I told rep by mail. 


8 rep falsely wrote that comerica closed account be cause of fraud. Account was closed by me. 

Now all account are closing. I wanted it corrected immediatey.
Product: Mortgage

This is my second complaint against Wells Fargo. My first complaint number is XXXX. I have tried to negotiate with Wells Fargo and they refuse to work with me. I am sick and tired of the their lies and their manipulation of the system. My complaint is that I can not get a straight answer from them. Was Wells Fargo the lender/investor of my loan or was the FHA the lender/investor? This information is crucial because if Wells Fargo lied to me in order to steal my home for profit or gain, they are in violation of consumer protection laws. I had FHA insurance which I paid for. Could the FHA be the investor and also force me to pay them for mortgage insurance? That 's what Wells Fargo is telling me. XXXX XXXX, XXXX, XXXX XXXX sent the OCC a letter stating Wells Fargo was both the server and the investor but in XXXX of XXXX, XXXX XXXX told me, over the phone, that XXXX was wrong and the FHA owned my loan. ( I 'm sure it was recorded ) I wish I did n't have to deal with them. Wells Fargo chose to acquire my loan from XXXX XXXX XXXX , XXXX . I never asked to deal with them, they chose me. I purchased my home in XXXX of XXXX and XXXX of XXXX, my job claimed they did n't have the money to honor our contract and needed to negotiate a new deal. The body agreed to it so they could save jobs. I lost approximately {$400.00} a month from my income. I tried my best to stay afloat but I started to go under water very quickly. Every bill I had started to suffer. I contacted Wells Fargo to see if I could change my payment arraignments and send them partial payments for a while and they said no. They said the loan was not theirs and they could not alter the loan. They were ONLY the servicer of the loan and the FHA was the investor. I did n't want a modification at that time because I knew I would get my income back soon and I could get back on track. Well, I lost that battle XXXX XXXX, XXXX. Wells Fargo foreclosed on me. What made it worst was that they tried to push it through the courts expeditiously. Lucky for me the Magistrate said no. He knew there were programs to help me regain control of my finances. Although I took advantage of these programs, mortgage modification, Save the dream program, Hamp program, etc ...., Wells Fargo has come up with excuses to why they could n't help me. They even went as far to say that I did n't want the modification. I want to know if Wells Fargo would be considered the lender of my loan since they took over the loan. Also, does that make them the investor too or is that something totally different? Wells Fargo claims the FHA is/was the investor which is why I 'm writing this complaint. All I want is a straight answer. They already manipulated the courts, foreclosed, then bought the house at the Sheriffs sale. I just want my home back. If I have to sue Wells Fargo for that to happen, than so be it.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX Balance : {$630.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX ( XXXX ) is  allowing merchants ( with DEFECTIVE SERVICES, DEFECTIVE PRODUCTS, AND MISLEADING ADVERTISEMENT ) defraud cardholders. On XX/XX/2019 (  SATURDAY ), I made a payment to hold a quote from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$990.00}. I have since CANCELLED, ( First Cancellation of Tentative policy XXXX, effective date XX/XX/2019-tuesday, was XX/XX/2019-saturday and I received a refund of {$320.00} to different form of payment for a prior payment of {$320.00} made on XX/XX/2019-tuesday )  occurred on XX/XX/2019, I re-cancelled the tentative policy due to suspicious unauthorized activity on MY XXXX. XXXX made a partial refund in the amount of {$670.00} of {$990.00}, and they are refusing to issue the remaining {$320.00}. On XX/XX/2019 ( MONDAY ), XXXX XXXX XXXX XXXX fraudulently charged me {$180.00} ( begging for money upfront before any services ) for XXXX XXXX XXXX, denied me access to XXXX, and unnecessarily exposed me to XXXXs ( not sure my last XXXX XXXX ), and then rendered DEFECTIVE SERVICES. I have requested a REFUND FOR {$180.00}. On XX/XX/XXXX ( WEDNESDAY ), XXXX Weight loss clinic defrauded me out of {$140.00} ( {$99.00}, {$50.00} ) for an 8-week WEIGHT LOSS PROGRAM, they cajoled me to their office ( begging for money upfront ) and then denied me the appetite suppressant, refused me the 8 week XXXX INJECTIONS, tried to force A HIGH-FAT PIG DIET ON ME, and ill-advised I exercise no more than 30 minute daily for 4 days. On XX/XX/XXXX ( SATURDAY ), XXXX allowed AN UNAUTHORIZED PAYMENT IN THE AMOUNT OF {$2100.00} WITHOUT MY PERMISSION OR KNOWLEDGE. The attempted theft resulted in them trying to steal {$2100.00} from my other bank account. The payment transaction REJECTED and I was assessed a {$37.00} return XXXX FEE. On XX/XX/XXXX XXXX XXXX stole {$15.00} from my VISA PREPAID DEBIT CARD FOR A TRANSACTIONS I DID NOT GRANT THEM PERMISSION TO CHARGE TO THAT FORM OFPAYMENT. XXXX XXXX refuses to refund a purchase made inadvertently resulting from an IPHONE technical difficulty issue, refund amounts to {$1.00}. XXXX STORE OWES ME {$3200.00} for a defective XXXX product DROP OFF, they have refused to issue the REFUND DESPITE BEING WITHIN POLICY AND TERMS OF XXXX   REFUND/REPLACEMENT POLICY THROUG XXXX. All transactions eligible for CHARGEBACK have been requested, and XXXX XXXX refuses to adhere to Regulation Z, Truth in lending, and the Fair Credit Billing Act of 1975. XXXX XXXX is  acting as if THE FEDERAL GOVERNMENT CAN'T TOUCH OR REGULATE THEIR FRAUDULENT ACTIVITY, AND I REQUIRE ASSISTANCE FROM THE FEDERAL GOVERNMENT BECAUSE THE PROVISIONAL CREDITS ISSUED ONTO MY XXXX   ARE NOT BEING MADE AVAILABLE FUNDS FOR MY USAGE WHILE THEY CONDUCT THEIR REDUNDANT XXXX INVESTIGATIONS. MOST IMPORTANT THEY HAVE TO START THE CHARGEBACKS. XXXX OWES ME A TOTAL OF $ {$3900.00}. Sincerely and Respectfully, XXXX XXXX MD, Phone : XXXX, Email : XXXX.
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 USC 1681. 
XXXX XXXX XXXX XXXXXXXX, XXXX 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 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.
Product: Credit card

On XX/XX/year>, fraud was committed against my account. Four seperate charges in the amounts of XXXX, XXXX, XXXX, and XXXX were charged on my account between XXXX and aproximately XXXX from a purported vendor that I never purchased from before. I reported the fraud and confirmed it the following day. My previous card was canceled and a new card issued. In XXXX I received notice mail that the purported vendor sent " proof '' of the transactions and that the " goods '' were " delivered '' and that all the charges were to be added back to my account, despite the fact that I never received notice by mail of this purported " proof ''. When I reviewed the " proof '' which was a " invoice '' it was clearly fraud. The each seperate invoice indicated that the transactions occurred from seperate IP addresses located in XXXX, XXXX, XXXX, and XXXX. Further, I am the only one with access to the card, the invoice used an email address that I never used, the invoices contained no itemization of the alleged purchased items, and the invoices contained no tracking number. The only information related to myself was my name and address. I have called the bank several times disputing these charges and explaining that their investigation could not logically conclude that this was not fraud based on the information provided by the purported merchant. The bank suggested I call the merchant, which is an insane request given that they committed fraud against me, but I was willing to do so while on the phone with the bank, but to no surprise the alleged merchant did not pick up, and when you XXXX the merchant, nothing comes up. I also indicated to the bank that their investigation was cnegligent given that the " proof '' submitted by the vendor established fraud rather than dispelled it. I refuse to pay this amount and interest in aproximately {$10.00} has been levied on my account. Worst of all do to this amount being reflected as credit usage, my credit score went down XXXX points. XXXX has been outstanding since XXXX and on the most recent call with the bank, they claimed that they had up to 180 days to resolve this matter and was also very rude. I was looking at the market to buy real estate or a vehicle and I will have actual damages if I am stuck with a higher interest rate due to my credit score being lower. I have expressed this to bank representatives, but they clearly do not care. I need help resolving this matter as soon as possible.
Product: Credit card or prepaid card

I signed up for a balance transfer and it took place as usual. I was charged the 5 % transfer fee, which I knew about, and each month was charged a monthly interest fee at my special rate of 2.99 %. I made the minimum payment each month before the due date. 
Last week I paid the balance, months prior to the end of the special rate. After the payment was processed I received another interest charge that was 4 times that of my monthly interest charge. When I called to ask what the charge was for I was told that it was because I was making partial payments. The representative first told me that the minimum payment was not really the minimum payment and that it was a partial payment. When I asked her to clarify she said that I was assessed the interest because I didnt pay enough, and then said that I did pay the minimum payment that was required but that didnt count the interest. She did not sound confident in her answers and when I asked to file a complaint she said she would transfer me and I was hung up on. 
I checked the statement and it said that the interest was due on a portion of my remaining balance and not the entire remaining balance. Either way, the interest charged was not something that I have ever seen before and Ive been doing balance transfers for 22 years. My credit score is above 700 and I dont have any missed payments on my report. There is no logical explanation for the charges other than computer error or predatory lending.
Product: Credit card

I got this card to travel around XXXX. My card was used XXXX to get money from an ATM. XXXX transactions of XXXX with transaction fees for XXXX for each one and XXXX transactions of XXXX with transaction fees of XXXX for each one. At this point my credit card was already over the XXXX limit that I had so I do n't know why bank of America would even allow this. I called and made a complaint and they returned some of the money, but then I get a letter saying my claim was denied because the card was used to get money from the ATM, I called and told them that if it was denied why did they return most of the money back to my account and that I wanted them to return the rest because I was not going to pay for any transactions that I did not make so they reopened a claim and I recently got another letter saying the claim was denied. I already called bank of america and they just keep transferring me back and forth between departments and I get no help. A week later I call back and I finally get someone on the phone and she tells me she cant reopen the claim because it has already been denied twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

For at least 2 years ( likely a lot longer because I have turned to relying only on XXXX and XXXX ), I have unsuccessfully tried to get my Credit Report from EXPERIAN. It is impossible, and I believe it is impossible because their information about me is so totally inaccurate. 

For example, today I AGAIN tried to open an online account to be able to correct information on my report held by Experian. However, on the prompt from EXPERIAN for me to provide my BIRTH DATE and my SS #, an ERROR occurs. To be honest, it appears that data is SO WRONG in my Credit Report Data maintained by Experian, that THEY DO NOT RECOGNIZE MY BIRTHDATE AND SOCIAL SECURITY NUMBER so I am unable to open an online account relevant to verifying my Credit Data with Experian! 

This is Extremely distressing, since EXPERIAN is a Credit Reporting Bureau. 

It is time that EXPERIAN CORRECT the apparently BASIC information they have WRONG about me, Information like my Birthdate and Social Security Number! Thus, I can not even access the data they have about me to identify and correct the information they have wrong. This indicates MY DATA WITH EXPERIAN IS EXTREMELY COMPROMISED!! 

I am trying to access Experian to put a fraud flag on my Credit! Because of the issues above, I CAN NOT DO THIS! 

Note ; I have NO issues with XXXX and XXXX. 

Experian is UNTRUSTWORTHY and SHOULD NOT BE MANAGING MY CREDIT, IF THEY CAN NOT even AUTHORIZE MY BIRTHDATE AND SOCIAL SECURITY NUMBER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with DISCOVER FIN SVCS. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of XXXX XXXX XXXX Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX Balance : {$0.00}
Product: Debt collection

I contacted payliance dispute department about fraudulent checks that were written in my name to XXXX XXXX XXXX XXXX. I opened a case with XXXX police department regarding identity theft. I contacted the bank regarding the checks that were supposedly written. The bank stated, " that their was no existing account and the checks were fraud. '' The checks were not my correct name, not my signature and the ID used was reported stolen with XXXX police department way before checks were written. I've set several emails to payliance with the fraudulent case reported to the police department. I have called and left messages. The company does not return calls, gives the run around and does not respond to emails. I have requested that the debt be removed from my credit on numerous occasions and it still has not been resolved. 

-- -- -- -- Original message -- -- -- -- Date : XX/XX/23 XXXX XXXX  ( XXXX ) To : XXXX Subject : Attention dusputes department Here is the following here is the following " XXXX Police Department Case Summary '' report requested. 

After contacting XXXX XXXX for a second time after speaking to you. I was told by XXXX XXXX that due to the fallowing fact regarding the fake checks all charges should be immediately dropped and my credit should be restored. 1, The checks are fake and there is not actually account associated with them. 2, The name is not my actually name. 3 The signature does not even remotely resemble my signature. 4 The ID number is written on the check was reported stolen way before the check was ever written. 

You can also contact XXXX police to get that report. XXXX, XXXX XXXX has given me his contact information to pass on to you if you have any further questions regarding this case.