23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This has been going on for quite some time and my home of 30 years was foreclosed in  XXXX .   There are so many layers to my problem I do n't know where to begin. Let me start. Around  XXXX  I was convinced to refinance my home. I did so and set up bi-weekly payments. The payments went to about  XXXX  companies ... finally they went  to Countrywide, then  to Bank of America. The payment were automatically withdrawn from my account. Then ... suddenly I received a notice from a debt collection agency ...  XXXX   XXXX   XXXX   XXXX . I did n't know why. My payments were automatically deducted from my account twice a month and from time to time i would add a little extra so I could pay off my mortgage sooner. Well ...  XXXX  took the money from my account ... they just did n't credit the mortgage. There were many phone calls back and forth and eventually  XXXX  convinced me to refinance my mortgage AGAIN. .The problem continued. A rep from   XXXX   told me there were always problems with computers when the companies chang ed ( news t o me ) then I was also informed they were a division of  XXXX ! Eventually  XXXX  changed their name to  XXXX . There is way too much paperwork to cover here but the bottom line is after spending thousands and thousands of dollars on NOTHING I eventually lost my home of 30 years to foreclosure. This did n't ' have to happen. I paid for my home many times over just trying to deal with the debt collection agency. It seems that Bank of America simply robo-signed my mortgage to  XXXX  without reading it. If they had they would see that I had a stellar on time record of payments and a wonderful credit rating. Not any more. Due to this fiasco I lost my home, almost all of my savings  ( inc luding my retirement account ). my good credit, and it is now almost impossible for me to find employment because I am labeled as a deadbeat. I contacted a lawyer who recommended I file for bankru ptcy. ( This h as caused even more problems )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported our account 30 days late when we have never been 30 days late. 
We refinanced our mortgage with XXXX XXXX and closed on XX/XX/2018. They reported our account 30 days late on XX/XX/2018. 

XXXX XXXX acknowledged that this was an internal error and stated they would remove the 30 day late payment from my credit reports. The 30 day late is still showing on XXXX and Equifax which is preventing me from refinancing my mortgage.
Product: Consumer Loan

The BANK HAD SOMEONE TO TAKE MY CAR WITHOUT ME KNOWING THAT I WAS UP ARE IN LINE FOR A REPO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Product: Debt collection

NORTH SHORE AGENCY ( NSA ) alleges that I owe money for a magazine ( XXXX ) that I did not order or request. I DID NOT RENEW the magazine subscription and DID NOT RECEIVE the magazazine as claimed by NSA NSA has threatened my credit rating and turn this FRAUDULENT bill. NSA has a history with the FTC for engaging in this form of fraudulent behavior, in fact, NSA has been been the target for numerous FTC complaints and actions in the past.
Product: Credit card or prepaid card

My credit Card was charged off for 2-3yrs. The pandemic started and I lost my job and have been unable to make any payments. I received my stimulus and tax refund for my kids to get us out of XXXX  onto my XXXX card and transferred it to my NFCU checking and then into savings. {$4600.00}. I finally found a home For me and my XXXX and when I went in the account to transfer the money out my savings to pay my deposit and 1st mo Rent I noticed they took {$4000.00} and left me with {$600.00} which I can not pay any of my priority bills with therefore leaving me and my kids XXXX  yet again. I reached out an the counselor in that XXXX asked me to send him proof that this was my tax refund/stimulus and hell reverse the payment. I sent it that same Day and I have yet to receive my money. The govt gave this stimulus money for pandemic relief. NFCU offers pandemic relief for their customers. How can you offer pandemic relief but be the cause of financial Hardship?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received credit alerts from XXXX and XXXX with the following message : " A New Tradeline Has Been Opened ''. I opened the alert which shows an account opened with CapitalOne that I do not recognize. The proof is attached. I called CapitalOne but they said they couldn't find any such report. They asked me to report this to the credit bureau.
Product: Credit reporting or other personal consumer reports

These accounts dose not meet the XXXX XXXX Compliance for reporting. 

Experian report number XXXX -XXXX XXXX XXXX  account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX  account XXXX .... 
XXXX XXXX XXXX  account XXXX .... 
-XXXX  XXXX acct XXXX -XXXX  XXXX acct XXXX XXXX XXXX account XXXX .... 
XXXX account XXXX XXXX. 
XXXX XXXX XXXX account XXXX .... 
XXXX XXXX XXXX account XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX  Accounts 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 has violated my rights. 

15 U.S.C. 1681 Section 602 A. State I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Regarding the bofa/edd prepaid card Emergency cash transfer, is false. They dont let u take out cash with out a carc mad They told they cant do the emergency cash transfer until 11 days have passed since i ordered an .. makes no sense, after 11 days inwont need the cash transfer. I'll have the card by then. 
Also no security for your account. Some one keeps reporting my card lost or stolen n bofa continues to allow it.
Product: Vehicle loan or lease

This goes hand-in-hand with my previous complaints filed with your company regarding pentagon federal credit union . they sent me repossession letter dated XX/XX/2023 Giving me 21 days from the date of that later to pay the past due balance, where they were going to repossess my car. However, I did not receive that letter until XX/XX/2023, which would be shown on the certified mail return receipt requested form that I signed at the post office on XX/XX/XXXX. I have been trying to contact them daily since receiving that letter. The contact name provided on that letter was XXXX XXXX. I have left multiple voicemails for him dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all have been answered, and all have been not returned. I even emailed them asking what theyd suggest I do. As of yet, I have received no return phone calls and no emails addressing my question and it is now the XXXX day from the date of their letter even though Ive only known of it for four days. Pentagon is more interested in destroying their customers credit and treating them like XXXX than actually working with them and doing the right thing so just updating your phone number so they can access their account. If you could address this, tell me what I need to do in order to start the process as I have received no return phone calls and no emails addressing my questions and it is now the XXXX day from the date of their letter even though Ive only known of it for four days. Pentagon is more interested in destroying their customers credit and treating them like XXXX than actually working with them and doing the right thing such as updating a phone number so the customer can access their account. If you could address this, tell me what I need to do in order to serve process on them or file a complaint - because Ive asked them for that information also and they wont respond. Ive asked them for mediation or arbitration. Ive as for their registered agent information. Ive asked for their legal team to contact me. They refuse to provide me any info or give me any access to my account- its not right what they are doing. I need help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX, account number XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 states. A consumer reporting agency can not furnish a account without my written Instructions.
Product: Student loan

I was denied discharge after submitting overwhelming and proved evidence of misconduct by the school in question and even received a federal discharge for the same reason I sent all the accurate information they ask for and was still denied and was not even giving a reason for why I was denied after paying those loans for over XXXX  years I have paid them XXXX times over and should have been giving a discharge I proved my case.
Product: Credit reporting or other personal consumer reports

Greetings sir/madam, Once again XXXX of your credit agencies, XXXX, keeps allowing third party debt collectors to furnish false and inaccurate reports to my consumer file without verifying if they have proper WRITTEN CONSENT FROM THE CONSUMER PER 15 USC 1681b `` PERMISSIBLE PURPOSES '' ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

~ ( 2 ) Disclosure to Consumer. 
( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. XXXX -- - ( Key ) XXXX XXXX " XXXX XXXX XXXX XXXX has furnished a false report to my consumer file, knowing I never given them written consent to furnish anything on my report. 
( f ) Certain use or obtaining of information prohibited. A person shall not use or obtain a consumer report for any purpose unless ( XXXX ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; All of a sudden XX/XX/XXXX A random collection for {$400.00} has been added and I have never signed any agreement with this company nor given them written consent. 
They have harassed me, emailing me etc. I have no ties nor contract with XXXX XXXX XXXX. It's time to start holding these agencies responsible because by LAW in order for information to be accurate it must BE IN WRITING IN THEIR DATA! Sick of these corporations fooling consumers like people doesn't know the law!
Product: Mortgage

Freedom Mortgage I called Freedom Mortgage on XX/XX/XXXX regarding why my mortgage increased because it doubled from last year. I'm not happy and I don't want my credit affected. I Spoke with XXXX and XXXX they request an investigation on why my mortgage increase from {$890.00} to {$1700.00} they said because my taxes has increased in the year XXXX. I told them that was insane how can it increase so much and cause a escrow shortage in the amount of XXXX They both saw mistakes that Freedom Mortgage paid township taxes and I don't live in a township and they paid some other taxes twice. I was told by XXXX ( male ) that someone should get back to me on XX/XX/XXXX. I called on XX/XX/XXXX spoke with XXXX id # XXXX supervisor he gave me the run around and said I'm responsible and I have to pay the monthly mortgage in the {$17000.00} due to their mistake by overpaying and mismanaging the mortgage payments I paid faithfully on time. Freedom Mortgage mismanaged my monthly mortgage payment in which they overpaid and cause my escrow account shortage in the amount of {$6800.00}. They overpaid and they paid Township Taxes twice which I'm confused, because I do not live in a township. Freedom Mortgage over paid in the of $ XXXXin taxes in XXXX and now trying to squeeze me for their mistake. Please see attachments ( letter & escrow disclosure statement ) I sent email message on XX/XX/XXXX and another message on XX/XX/XXXX through Freedom Mortgage Message Center no response. I called XX/XX/XXXX Spoke with XXXX id # XXXX she said she see a note that we should be getting a completion notice by the XX/XX/XXXX that it was sent to a Department that handles issues. As of today we have not received a update or response from Freedom Mortgage. I ask her is there anyone I can email my concerns like a manager she said no Freedom Mortgage Message Center is the only way. I just don't understand how can Freedom Mortgage overpay on taxes and try to scam/squeeze for their mistake they need to fix, recalculate and rectify this terrible mistake. I did call my Local Tax and County Taxes and they said there is no way my taxes would have increased that much. I Thank you kindly CFPB on reviewing my complaint.
Product: Credit reporting or other personal consumer reports

My credit report contains errors related to 15 USC 16c-2. The unauthorized inquiries are having a negative impact on my credit. Please remove them at once. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit management is reporting this account with a {$920.00} balance and it has been paid.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is XXXX XXXX XXXX  and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Unauthorized charges were made to my checking account by 4 vendors at XXXX XXXX in XXXX on XX/XX/23 and XX/XX/23 : XX/XX/23 XXXX. {$1300.00} XX/XX/23. XXXX. {$3100.00} XX/XX/23. XXXX XXXX XXXX. {$700.00} XX/XX/23. XXXX XXXX XXXX. {$700.00} XX/XX/23. XXXX XXXX. {$1400.00} XX/XX/23. XXXX XXXX {$26.00} XX/XX/23. XXXX XXXX. {$400.00} XX/XX/23. XXXX XXXX. {$1500.00}
Product: Credit card

XXXX XXXX CLOSED ALL MY CARDS WITHOUT EXPLANATION OR VALID REASON. THEY ALSO STATE HERE ( ON CFPB WEBSITE ) THEY DO NOT RECOGNIZE ME AS A CUSTOMER. I CAN PROVIDE MY SOCIAL SECURITY NUMBER AND OTHER REQUIRED DOCUMENTATION TO PROVE THAT I AM STILL A CUSTOMER OF THIS BANK. 
I WOULD LIKE TO KNOW WHY THEY LIE TO ME AND I ALSO WOULD LIKE TO KNOW WHY MY CARDS HAVE BEEN CLOSED. 
I AM CONFIDENT THAT XXXX  XXXX BANK HAVE BUILT A BUSINESS MODEL IN ORDER TO MAXIMIZE PROFITS AND KEEP CUSTOMERS POOR AND BROKE.
Product: Credit reporting, credit repair services, or other personal consumer reports

A negative collections flag appeared XXXX XXXX on my account from XXXX XXXX group. I happened to be getting married, so I was not paying attention to my phone at the time. Once we got back around XX/XX/XXXX, we found that my account was still flagged and had lowered my score 121 points. On XXXX XXXX I called XXXX using my free credit service with Experian to see what was going on. They recommended calling XXXX XXXX XXXX. I called XXXX XXXX XXXX  that same day and gave them my information to find out what kind of collections I owed. They could not find my name in their database and told me to submit a dispute. I submitted a dispute to Experian XXXX XX/XX/2019. I didn't hear back about the results until XXXX XX/XX/2019. Experian said the collections was legitimate even though I knew it wasn't from a basic call. I am now trying to submit a complaint in order to get this dispute resolved. I also checked XXXX and found the same collections had made its way there and I just submitted a dispute with them XXXX XX/XX/2019. I've had to do this before and know that it will take 30   days, and then require another complaint to CFPB. If there was anyway that I could take care of both credit agencies without having to wait so long that would be a lifesaver since we've been trying to find a place to move.
Product: Mortgage

i was offered a Loan Modification after the covid forbearance period was over. the mortgage servicer took over a month to mail me the paperwork they needed me to sign. i had to call them two more time and ask them to send it to me again. after receiving the documents, i signed them and mailed them back the next day. because of the month delay, the time period given to submit the documents was now severly shortened to 12 days ( including weekends ). the mortgage company sent the documents via USPS and advised me to send the documents back via USPS. now i have been advised that the documents have not arrived and their modification offer has expired. meanwhile i have made the payments that the mortgage servicer has asked me to pay including the new modified mortgage amount. every time i call to speak to the person who is assigned to my loan, He/she is never available and i am passed along to someone who does not know anything about my account and they provide poor and incorrect information. i just want to have this situation resolved. i am dealing with SP servicing mortgage. Their communication is extremely poor and the fact that they rely on the postal service to get important documents to their customer during the holiday season is a poor choice of business practices.
Product: Money transfer, virtual currency, or money service

Robinh

ood disabled buying for me and would not give an explanation. I did not violate any terms.

Their action violates their user agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA, XXXX Subject : Dispute of Charged-Off Account Due to Data Breach Dear Equifax, I am writing to formally dispute the charged-off account associated with my name, as my personal information was compromised in a data breach and may have been used fraudulently. I believe this unauthorized use of my information resulted in the account being opened or misused without my knowledge or consent. 

The account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Due to the exposure of my sensitive information in a data breach, I request that this account be thoroughly investigated and permanently removed from my records. Additionally, I ask that this account be deleted from my credit report with all relevant credit bureaus, as it does not reflect my legitimate financial activity. 

Please provide written confirmation of the outcome of your investigation. If necessary, I am happy to provide supporting documentation related to the data breach and its impact on my personal information. I appreciate your prompt attention to this matter and look forward to your response.

Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

Sincerely, XXXX XXXX
Product: Credit reporting

Reporting a collection from a third party collection agency XXXX. They were unable to validate the debt within 30 days, still reporting. I disputed with the credit bureaus asking them to VALIDATE not verify with a XXXX digit code, they refused and did a XXXX digit code verify and did not VALIDATE still reporting negetive. 
Received court documents on a judgement that 's not mine that was reported by a third party not the court. All credit bureaus except for equifax removed after validate the judgment was not mine and received the court notice stating the same
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 2 hard inquiries from XXXX XXXX XXXX, which I did not authorized. These 2 inquires appear only on my Equifax report. The first occurredXX/XX/XXXXXX/XX/XXXX and the 2nd occurred more recently XX/XX/XXXX. As you may or may not be aware, Equifax has had a recent information data breach. So contacting them and attempting to remove anything is futile. I thought this had been handled last year after I had requested a 90 day freeze for every 3 months last year. Unfortunately, this appears to be a pattern of bad behavior on Equifax. I am trying to restore my credit and this type of behavior and malignant pattern is affecting it greatly causing my credit score to drop significantly.