23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Mortgage

I am experiencing an issue with Loan Servicing company Seterus , Inc with respect to them receiving and applying my monthly mortgage payments. They have willfully limited my options with paying my monthly mortgage. This has now caused my payments to fall behind the due dates. On XX/XX/XXXX I attempted to make a payment through their on line payment service for {$2300.00} which would have satisfied my XX/XX/XXXX due date and make the loan current. The transaction confirmation # for the payment was # XXXX. Seterus Inc did not accept the payment. On XX/XX/XXXX I sent by overnight mail at my expense a second payment for {$2300.00} which would have satisfied my XX/XX/XXXX due date. Seterus once again did not accept the check which has now caused my mortgage to be late by 45 days. Seterus evidently now has given me 1 option to pay my mortgage which is by cashier check which is causing undue aggravation and hardship. I request the ability to make payments online through the Seterus website or by personal check.
Product: Credit reporting, credit repair services, or other personal consumer reports

After conducting my annual credit report review, I have notice several items on my credit report that does not belong to me. I have filed a police report, submitted a letter of concern, proof of identity, and address to the companies in question. It has been over 45 days and I believe, that should had been enough time to investigate that these accounts was fraudulently established without my permission. These accounts was established without verifying identification. Which that alert was already established on my credit report before these accounts was open, requesting verification. I guess that system is flawed as well.
Product: Checking or savings account

I have been banking with Chime Bank XXXX XXXX XXXX XXXX, etc ) since XXXX, and have for the most part been relatively happy with my services. On Monday, XX/XX/XXXX, I received two emails notifying me that my checking, savings, and credit builder accounts had been closed, effective immediately. The reason behind closing my accounts was that my account " does not comply with internal policies and/or the member agreement ''. I tried calling numerous times with no success, as the recording said that since my account has been closed, I needed to email " XXXX '', or " XXXX ''. I emailed Chime support a few hours later requesting the reason why my account had been closed, and expressing that I needed access to the remaining funds immediately -- not tomorrow, not next week, not 30 days from now, but THAT DAY. I received a message back from a Chime employee named " XXXX '' who informed me that my account was not in compliance with my " Deposit Agreement '' and sent me a link to look over said agreement. Upon not finding anything out of compliance on my account, I emailed him back within 30 minutes of his email asking for further explanation. Since then I have received XXXX correspondence from Chime. I have tried calling again numerous times, finally got through to a live person for them to tell me I needed to email " XXXX '' in order to get an answer to my questions. Since then I have also involved a lawyer, as well as emailed them XXXX additional times to get answers, CC'ing my lawyer, the support email, as well as the review email addresses. My lawyer gave them 24 hrs to respond ( from XX/XX/XXXX @ XXXX ), with XXXX response. I have no idea how much money I actually have in my accounts -- I think I had about {$300.00} in my checking account and about {$300.00} in my savings account. I don't remember how much was in my credit builder account which was my main source of income. There was also an unrecognized charge on my credit builder account for {$200.00} which hadn't settled yet which I was planning on disputing. I have XXXX access to my accounts to even see what is still in there. Since they have not responded at all since the XXXX, I am forced to file a formal dispute. This inconvenience has resulted in me not being able to pay multiple bills, including my car payment and my car insurance, which will result in daily, weekly, and monthly late fees, as well as a negative impact on my credit report. I need this resolved immediately -- please, please help me! Please advise if any additional information is needed from me at this time.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My personal and business accounts were blocked by Navy Federal for XXXX  months. When I reached out to Navy Federal via phone, they expressed that my account was flagged " due to XXXX fraud ''. I have spent countless hours on the phone with Navy Federal, filled out an appeal and was given a 3 week response time ( it has been 2 months with no response ) and even resorted to connecting Myself, Navy Federal, XXXX XXXX XXXX XXXXXXXX XXXX on a recorded call to clarify and confirm that the alleged fraud accusations did not occur. Despite the appeal, several calls escalated to management and the hour long phone call with Navy Federal Management, XXXX XXXXXXXX XXXX XXXX  XXXX on the recorded phone call to further stress that no fraud ever took place and that the {$1000.00} attempted transfers from XXXX XXXX XXXX  XXXX account to my Navy Federal account was not fraudulent, the Navy Federal Reps continued to defame my character and falsely accuse me, XXXX XXXXXXXX XXXX XXXXXXXX Bank of fraud. Navy Federal would not allow me access to my funds during this time. Furthermore, I did in fact open a dispute against XXXX XXXX XXXX XXXX through Navy Federal prior to that event that was ignored and never resolved despite XXXX XXXX XXXX promise to me that they would return funds to the Navy Federal once they had initiated the claim against the XXXX XXXX XXXX XXXX  XXXX transfers. Lastly, Navy Federal rejected multiple direct deposits from hitting my account yet they are sending me demand letters to get my accounts in a positive standing.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : PLAZA SERVIC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear PLAZA SERVIC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX  XXXXXXXX XXXX XXXX that's I did not authorize on my credit report that is showing negative inquiries!
Product: Credit card or prepaid card

Background : My interest rate was 29.99 % on a credit card I hold with the Bank of Omaha and I have continuously paid my credit card balance in full but my troubles began on XX/XX/2023. Please see below for details. 

On XX/XX/2023, I had a previous balance of {$660.00} which I paid in full and a new Balance of {$3100.00}, with Balance subject to Interest Rate of {$2600.00} and interest of interest due. 
On XX/XX/2023, I had a previous balance of {$3100.00} of which I paid XXXX, and a new balance of {$3700.00} with Balance subject to Interest Rate of {$2500.00}, and interest of {$58.00}. 
On XX/XX/2023, I had a previous balance of XXXX of which I paid {$3700.00}. and had a new balance of {$1800.00} with Balance subject to Interest Rate of {$3600.00}, and interest of {$87.00}. 

Prior to the XX/XX/2023 statement I paid {$2100.00} against the amount of {$3100.00} which meant I had a remaining balance of {$990.00}. 
Interest on {$990.00} at 29.99 % according to my calculation should be {$24.00} but I was billed {$5800.00} which according to XXXX of Bank of Omaha is based on the Balance subject to Interest Rate of {$2500.00}. 
Prior to the XX/XX/2023 statement I paid {$3700.00} against the amount of {$3700.00} which meant I had a remaining balance of {$0.00}. 
Interest on {$0.00} at 29.99 % according to my calculation should be {$0.00}, but I was billed {$87.00}, which according to XXXX of Bank of Omaha is based on the Balance subject to Interest Rate of {$3600.00} I spoke with XXXX from the Bank of Omaha and she promised to remove the {$87.00} interest charge because they may have done so if I paid the next statement in full.

My concern is that the Bank of Omaha and others in the credit card industry are charging me and maybe tens of millions of others like myself interest on transactions for which we have been billed and at some exorbitant rates. 

I also told XXXX of Bank of Omaha that I will be recording my phone call with her because the bank is recording my phone call with her but she refused to speak with me if she was recorded. 

Where are we with the laws of this great land? Consumers are at the mercy of the corporate giants and it appears that we are helpless.
Product: Mortgage

My name is XXXX XXXX. I have been in the mortgage industry for 20+ years. I have held many positions throughout, including processing, doc preparation, funding, and underwriting. In XXXX, while as a processor, my husband and I purchased a home. I became a loan officer in XXXX on a mission to help renters become homeowners. In XXXX, we sold that house, using that equity to purchase the home we are currently in. In XXXX, when COVID was in it's early phases, Forbearances became the lifeline for many with much of the unknown upon us. 

There was a lot of conflicting information regarding what would happen if you had a forbearance or what it would do to one 's credit profile. With the world essentially shut down, I went ahead and opted for a forbearance in XXXX of XXXX utilizing a 7 month forbearance, which allowed me to go alongside clients and being able to explain how it works, navigating it, and being a resource for my clientele should they come to me for guidance. We signed documents that stated it would be paid back upon sale, or refinancing. 

We refinanced in XX/XX/XXXX, paying off our original mortgage with Flagstar, pulling some cash out and getting into a conventional mortgage. 

Fast forward to today. We are in process of selling our home. A exciting but also nerve wracking time. As we got closer to the closing date ( which is today ), we were told there was still money from that forbearance that was still due an payable. In digging around, it turns out Flagstar took what was the balance still due from the forbearance and held on to it. They had failed to record the deed of trust showing those funds were still due as originally agreed to in XX/XX/XXXX ( when forbearance docs were signed ). I ended up uncovering that the deed later was recorded 4 months after we refinanced back in XXXX. 

Now as we close today, thankfully we have the equity to pay it back and they were able to catch us when they did. I imagine there are a lot more people who utilized the forbearance option, to later sell their home, even though Flagstar didn't record the forbearance deeds in a timely manner, leaving many unpaid liens on the new owner 's property. 

I've attached a general timeline for reference. I do have copies of signed docs, copy of recorded deeds with info needed to corroborate the timeline. 




XX/XX/XXXX home is purchased. FHA Loan used. 
XX/XX/XXXX home is put on forbearance due to COVID restrictions XX/XX/XXXX - paperwork signed resolving forbearance, signed documents to put at the back of the loan XX/XX/XXXX mortgage payments begin XX/XX/XXXX payoff requested XX/XX/XXXX cash out refinance completed. FHA loan paid off. 
XX/XX/XXXX Full reconveyance received from Flagstar Bank XX/XX/XXXX XXXX XXXX is awarded HUD contract for managing partial claim forbearances for servicing and payoffs XX/XX/XXXX ISN records partial claim deed dated XX/XX/XXXX forbearance onto property, no copy received by us XX/XX/XXXX pre-escrow and sale begins. Old deed still required to be paid XX/XX/XXXX home sold. All loans paid off.
Product: Debt collection

My wife and I received a notice of debt from AssetCare LLC dated XX/XX/XXXX. I called them XX/XX/XXXX and informed them that the information provided didn't provide enough information for us to verify the debt was valid. I was told to email their company and did so on the XXXX. I followed up with another call on XX/XX/XXXX when I did not receive a response and was told that sometimes it takes a while. They still have not been able to provide that information. The initial paperwork also did not have all the legally required declarations about disputing the debt. They called me XXXX and I returned the call XXXX and told them that since the debt was over 6 years old and that they hadn't responded to my request for documentation that I would not accept any more communications from them and would be making a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX/XXXX/XXXX my credit was pulled by ally financial auto financing. I contacted ally financial on XXXX/XXXX/XXXX in regards to this inquiry representative was very unhelpful and advised me to dispute it thru my credit report this is a fraud inquiry and my authorization was not given to pull this report.
Product: Money transfer, virtual currency, or money service

{$500.00} was sent to the wrong person and it was not about to be refund or cancelled and the person the money was sent to didnt send it back
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XX/XX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XX/XX/XXXXwith ACCT # XX/XX/XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2023. I Submitted and Application At Dealership In XXXX XXXX  and then XXXX, Virginia, For the Same Vehicle. The Ohio Dealership Phone Number Was Not Working, and Nobody Inform Me About the Vehicle Application at there Dealership .When I Was Called About the Application for the Vehicle Submitted At the Dealership In XXXX XXXX Virginia XXXX Phone Was Working and, I Was Told A Different XXXX Score By XXXX XXXX XXXX  XXXX XXXX From My Membership With Experian Credit Report. My Experian Credit Report XXXX Is Higher From What the XXXXXXXX XXXX XXXX Told Me. I Very Concern About Security and Fairness and Civil Rights! Thank You!
Product: Credit reporting or other personal consumer reports

I didn't authorize these inquiries and I know that they are a result of identity theft. I am request that these inquiries be investigated and removed from my credit report as soon as possible. To support my identity theft dispute, I have placed the following documents inside my dispute : A copy of my driver 's license and my ssn card. And copy of my FTC Report XXXX ( XXXX ). Please confirm in writing that these unauthorized inquiries have been removed from my credit report. I also request that you provide me with a free copy of my updated credit report when the disputed items have been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists and also Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Product: Vehicle loan or lease

On XX/XX/22, I attempted to make my car payment via credit card as I have before. Without notice, warning, or consent, they removed my cc method of payment and stopped taking payments via credit card. They allege theres a law preventing paying debt with credit cards but I cant find it and again, was never notified. 
Now theyre threatening further action if the payment isnt made but they wont accept my readily available method of payment.
Product: Checking or savings account

I have not received my debit card although it has been more than the 7-10 business days allotted since the opening of my bank account with SoFi. I also received a message that my bank accounts ( BOTH CHECKING AND SAVINGS ) was frozen on XX/XX/XXXX and have been calling several phone numbers linked to SoFi. Anytime I am able to speak to an actual human, which is rare, they work for other parts of the company and state they have no ability to inform me as to why my account is frozen. They can only see that it is frozen. They always end up directing me to their Fraud Monitoring Team who has a voicemail machine acting as their liaison. Whenever I am transferred, or call their fraud team directly, their is an automated message saying that it is going to get a representative on the line for me immediately followed by, Im sorry all of our agents are busy right now, please leave a message. I have left multiple voicemails, everyday since as well as emails.
Product: Debt collection

JPMCB CARD is reporting inaccurate information on my credit reports because I have no knowledge of this account. I have contacted the collection agency and the credit bureaus. I am requesting that the item be removed immediately to correct my information. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.