23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Not a valid debt, written to this company twice and no response within 60 days and then sent a certified letter to all three bureaus and still not removed from credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I presently have four student loan accounts with XXXX. All four of these accounts were originally opened with XXXX XXXX under the title of 'XXXX XXXX XXXX XXXX '. Thereafter, the accounts were assigned to XXXX without notice. All four of these accounts are now incorrectly reporting missed or late payments in XX/XX/XXXX and XX/XX/XXXX ( totaling 8 missed/late payments reported ) despite my diligent efforts to have XXXX correct these errors. On two occasions through Equifax and on one occasion directly with XXXX by mail, I have asked XXXX to correct these reporting errors that are clearly contrary to the terms of our Promissory Note.

Pursuant to the Promissory Notes of these loans ( see attached ), repayment of these loans was to commence after the 'Interim Period ' described in the Note in Section B ( 1 ) ( a ) as " ... approximately six months after the date the student borrower graduates. '' Additionally, according to Section D ( Terms of Repayment ), XXXX was required to send me a statement setting forth the repayment schedule on or before the date of repayment. ( See Section D ( 4 ) ). To date, no such repayment schedule has been received electronically or by mail. 

Further, I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX, New Jersey in XXXX of XXXX. Accordingly, as the 'School Period ' of the 'Interim Period ' had ended at that time, the 'Separation Period ' had thereafter begun. ( See Section B ( 1 ) ). The Separation Period should have lasted until XX/XX/XXXX under the terms of the Promissory Note described above. However, contrary to this agreement, without notice, XXXX began attempting to collect on full monthly payments in XXXX of XXXX. When I discovered that XXXX reported late payments to the Credit Bureaus in XX/XX/XXXX of that year, I immediately took action on my account and began repayment while also attempting to dispute the subject of this present Complaint directly with XXXX 

To date, XXXX has been unwilling to correct the clerical error that led to my account coming due before the agreed upon period and that ultimately led to the missed payments. XXXX XXXX failure to correct this error is also a violation of Section R of our Promissory Note ( Correction of Clerical Errors ). In closing, XXXX has acted in bad faith at every stage of repayment and the language of our agreement clearly shows that the 8 missed or late payments reflected on my Credit Reports should be removed immediately.
Product: Mortgage

JPMorgan Chase Bank, foreclosed on me with out bring me in the foreclosure case, even after I asked them to bring me in. I 'm the owner of record of the property & the person on the note.
Product: Debt collection

I had a loan for a XXXX XXXX at XXXX XXXX I lost my job and fell behind. I got another job and they had already sold it to AD ASTRA RECOVERY. I paid them XXXX now Ad Astra refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong
Product: Mortgage

We purchased the home on XX/XX/XXXX at the original loan amount of {$90000.00} with the original loan company, GreenTree Financial. Our loan has switched hands 3 times and is now with Sheelpoint Mortage. We had been making on time payments for over 20 years but our balance today remains at {$120000.00}. I, as main income provider, in the past 3 years have had medical problems that has made me miss work a total of 1 year and then in XXXX of XXXX, I was downsize from my job and have been on unemployment. Shellpoint is going to foreclose on our home. I feel this loan is a PREDATORY LOAN because even when we were able and did keep our payments current it did not effect or decrease our loan at any time. Now that we have had income problems Shellpoint is willing to foreclose and take our home away from us and we feel with this loan we were never given the chance to make good on it. We are attaching the original GreenTree letter and the current foreclosure statement to show the loan amounts.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Mortgage

My mortgage servicer - Lakeview LLC said they made the payment from my escrow account of {$2500.00} for my 1st supplemental tax bill on XX/XX/2020. But that payment never made it to the county of XXXX XXXX. I got a delinquent tax bill from the county and I had to make the payment. However, when I speak to to Lakeview llc they said the county will apply the payment to the 2nd supplemental tax bill. I contacted the county and they said they never received the payment. I need the {$2500.00} back on my escrow or refunded to me.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FLAGSHIP CREDIT ACCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 18 months ago, through credit monitoring by my bank, I became aware of a credit card account in my name with Macy 's that I did not create. I called Macy 's credit card service at ph XXXX to notify this was not my account and there was possible fraud. The customer service representative used my social security number to check their system and assured me there was no account in my name so there was nothing he could do. I followed up by printing the Macy 's credit card account information the was on my credit monitoring site and mailed it to Macy 's ( XXXX XXXX XXXX XXXX XXXXXXXX SD XXXX ) and advised this was not my account and the account needs to be closed. I also included a photo copy of my drivers licence as further proof of my identity. 
I never heard back from Macy 's and since the card was not being used I put off addressing the erroneous account. Approximately 1 week ago, someone started using the card and my credit score dropped 4 points. I filed a dispute with XXXX ( report XXXX ) I received the dispute results and they say they are not going to remove the Macy 's card from my credit report. They state Macy 's affirms it is my account but since I do not know why they still believe this is my account I do not know how to refute the incorrect information. I have called XXXX at ph XXXX and XXXX - I can not get a live person on the phone to assist my denied dispute.
Product: Money transfer, virtual currency, or money service

I had approximately XXXX of a XXXX ( approximately {$6000.00} ) stored with BlockFi. They have refused to give me my money.
Product: Credit card or prepaid card

I applied for the XXXX XXXX American Express card on XX/XX/XXXX and was granted the card. I paid the {$120.00} " Annual Fee '' up front. I canceled the card today and was told I might not be able to get my unused portion of the annual fee ( which in this case would be about {$83.00}, 8 months unused out of 12 months paid in advance ). I explained to the clerk I was speaking with that this is illegal, that an unused portion of the annual fee must be refunded to me. In response the first clerk said " you are breaking up, ma'am. I can not understand you. '' I was left on hold for so long that I called back and spoke to a man, who said the same thing ( " You're breaking up, I can't hear you, hello? " ). But not before he took about 10 minutes to look up for me their correct mailing address for written correspondence ( it's not online ; I've been looking for days ; it just says, " Call us! '' and a phone number ; perhaps because their company does not want any letters to be able to be sent by consumers like me, to protect my rights under the 1994 Fair Credit and Reporting Act. It is American Express, Customer Service, XXXX XXXX XXXX, XXXX XXXX TX XXXX.
Product: Debt collection

I AM A VICTIM OF MY IDENTITY THEFT. XXXX MEDICAL BILL THAT I DO NOT OWN HAS BEEN DELETED, BY XXXX  XX/XX/XXXXAND XXXX PUT THE SAME ACCOUNT BACK ON THE MY CREDIT REPORT, I ALSO FILE A POLICE REPORT THAT WAS ATTACH TO ALL NEGATIVE REPORTS
Product: Bank account or service

I deposited what turned out to be a fraudulent check drawn on Wells Fargo by mobile deposit to my savings account at Wells Fargo on XXXX at XXXX XXXX Time for {$2400.00}. They gave me full availability of the {$2400.00} on XXXX at which time I withdrew {$2200.00} and the bank then returned the deposited check on XXXX creating an overdraft in my account of over {$2000.00}. Wells Fargo rep explained that they do not process mobile deposits until late the night one day after the deposit was made. This means they honored the withdrawal request before they processed the transaction. That gave me the false assurance that the deposited check was good. The cash is gone to the perpetrator and now they want me to cover the overdraft. The fact they wait a whole business day before processing these deposits is for their convenience and the consumer should not be held accountable for the consequences of this delay. Also UCC 4-301 ( b ) addresses the final payment of on-us checks deposited and states that the payor bank has until midnight of the next banking day to decide whether to honor the check. If they do n't act by midnight deadline, they lose the right to dishonor the check. 4-214 ( c ), 4-301 ( b ). The mobile deposit confirmation states " The following mobile deposit was made on XXXX at XXXX Time '' and her account statement shows the deposit under the posting date of XXXX. Therefore, applying UCC 4-214 ( c ), the deposited check drawn on Wells Fargo should have been returned and charged back under the posting date of XXXX. It was not. The chargeback is posted under processing date of XXXX.
Product: Credit reporting or other personal consumer reports

FOR THE PAST FEW YEARS NOW I HAVE BEEN NOTICING FRAUDLENT ACCOUNTS AND INQUIRES ON MY CREDIT. WHEN REPORTING THE FRAUDLENT ACCOUNTS ON FTC WEBSITE IT STATES THAT PER 605B THE ACCOUNTS AND INQUIRES NEED TO BE BLOCKED.
Product: Debt collection

Account was opened fraudulently under my name. I do not own this account or the debt.
Product: Debt collection

XXXX XXXX XXXX, I received communication from UPGRADE INC. via email. UPGRADE made deceptive material representations to try and induce me to enter into paying an alleged debt in the amount of {$660.00} reference to obtaining a good standing in credit worthiness and reputation. Furthermore, they stated the 7 year charge off would only be irreversible if I made a payment. They violated 15 usc 1692 ( e ) ( 10 ) - for the false representation deceptive means to collect or attempt to collect this fraudulent debt. UPGRADE violated 18 usc 894 with criminal acts of extortion and extorting me of my extension of credit and collecting a total of {$2400.00} from XX/XX/XXXX to XX/XX/XXXX. UPGRADE abusive acts took unreasonable advantage of my reliance upon them to provide a service to me in good faith on my behalf per 12 CFR 5531 ( d ) ( c ). instead I be came a victim with injuries of their fraud and unfairness. They furnished deceptive form and promissory notes and sold them to XXXX XXXX XXXX to attempt to collect on a fraudulent alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
DEPT OF ED/XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
DEPT OF ED/XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I received a payment refund into my PayPal account on XX/XX/XXXX, attempted to transfer the funds out of Paypal into my external/transactional bank account on XXXX, and received email notice from PayPal on XXXX that the transaction could not go through. On XX/XX/XXXX I messaged with PayPal online to inquire about the issue and the agent advised they would reinitiate the account transfer but I would need to confirm initial deposits in my external account. On XX/XX/XXXX I received notice that the transfers could not be processed. On XX/XX/XXXX I messaged online again requesting a check be sent because I am unable to process a transfer through the account o nline but was told they were unable to send a check. I asked to speak with a manager and they gave me the customer service line. The same day I called customer service and spoke with XXXX who gave me other instructions to withdraw funds from XXXX, however the instructions provided did not work either. I requested to file a dispute and was told they do not have a dispute process. I was told the issue is that I must provide my social security number online in order to set up the account securely, which I am unwilling to do. And because the other options provided did not work, and there are no alternate processes ( ie to send a check to the name and address on account file ), there is no way to withdraw my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at approximately XXXXXXXX XXXX I received a Credit Disclosure email from Lending Point LLC ( LendingPoint-NoReply XXXX ). The email included a report of credit score that was allegedly pulled from my credit report. I have not solicited business from the aforementioned company nor have I authorized them to pull my report. It concerns me because someone may have attempted a loan with my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX -JPMCB- Chase Bank XXXX XXXX XXXX XXXX They did not get my permission nor warned me about this being placed on my credit report. Did not authorize!
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. 

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: Mortgage

I am filing a formal complaint against my mortgage servicer, ServiceMac, for failing to process my Private Mortgage Insurance ( PMI ) removal request within their stated timeframes, despite my full compliance with their requirements and payment for a Broker Price Opinion ( BPO ). Their delays have resulted in unnecessary financial harm, including continued PMI payments and potential missed refinancing opportunities. 

Summary of Issue : After fulfilling all requirements outlined in ServiceMacs PMI Removal Request Form, I submitted my application. Below is a timeline of events demonstrating their failure to adhere to their stated processing timelines and their repeated lack of communication. 

Detailed Timeline of Events : XX/XX/XXXX : ServiceMac informed me via email that a valuation was required for PMI removal. They stated the only fee was {$190.00} for a BPO and that the review process would take up to XXXX business days following the inspection. 

XX/XX/XXXX : I paid the {$190.00} BPO fee, and ServiceMac confirmed my request, stating that an inspector would contact me within XXXX business days. 

XX/XX/XXXX : The BPO was conducted by XXXX XXXX with XXXX XXXX XXXX XXXX. Per ServiceMacs prior statements, this initiated the XXXX business day processing period. 

XX/XX/XXXX : After requesting an update, ServiceMac responded that they had not yet received the completed report from the investor and that processing could take XXXX to XXXX business days from the investors quality control review. 

XX/XX/XXXX - XX/XX/XXXX : I followed up with XXXX separate emails ( on XXXX, XXXX, and XX/XX/XXXX ), each requesting an update as the XXXX deadline had passed on XX/XX/XXXX. I received no response. 

Various phone calls : During multiple calls, I was reassured that a decision was forthcoming, but no action was taken. 

XX/XX/XXXX : After yet another phone call, a representative disclosed that due to high volumes, my request would take an additional XXXX business days, starting from XX/XX/XXXX. This contradicts their initial timeline and means I will be waiting nearly a month beyond their stated deadline.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX Balance = XXXX 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. 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 a 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. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.
Product: Money transfers

I exchanged XXXX for several Reloadit card codes at localbitcoins.com in order to exchange XXXX for XXXX. I made several transactions with one user there, each one was for a value of {$500.00} USD, each one i loaded into my " safe '' in my account at reloadit.com. The rules say i could load up to XXXX $ per day and $ 10k per account. After a couple weeks Reloadit locked my accounts with a total of {$3000.00} in them. I called and opened a case, and provided the documentation they asked for right away. 
I can write an entire complaint based on the incredibly atrocious customer service. There were lies, rudeness, deliberate disconnections ( hang-ups ), and smug behavior as they enjoyed hearing me getting angry and helpless. One supervisor even laughed at me when i asked for his employee number so i could make note of this and report it ( XXXX, employee # XXXX ) I wo n't go into the detail of the XXXX phones calls i made getting jerked around, and hours i spent on hold just to be asked a few questions to be put on hold again to be transferred to someone else ( cycle repeats ). 
They ignored the fact that i provided the correct documentation and asked for the store receipts of the purchases which they knew i could not produce because i told them i obtained these codes via XXXX. I do have documentation showing that i obtained these codes through the service at XXXX. i submitted screen shots of all the invoices/receipts from the transactions. They have ignored this evidence and then last i called they told me i have 2 hours to submit the receipts from the store or my case will be closed forever without possibility to reopen it again.. Now they WILL NOT EVEN LET ME SPEAK TO THAT DEPARTMENT. I ca n't speak to anyone who has the pwower to unlock my account and each person i speak to that would be able to transfer me has explicit instructions to not allow me to speak to them. 
I fell like i have been robbed and violated. I am not out of {$3000.00} and feel completely helpless. I would like to take full action against this company and i know there are others like me who this is happening to. The reason i knew to file this complaint is because i shared my story on the forum at XXXX and have learned that his has happened to many others. Blackhawk Network must be stopped and prosecuted for robbing the consumers. 
On a final note, my girlfriend has an account with {$1000.00} in it and every time she tries to withdraw the money she gets an error, this has been happening for several days and it 's beginning to appear as though her money is being robbed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting an increase in the balance owed to XXXX XXXX XXXX of {$260.00} which lowered my credit score. This is not correct. The original amount owed was {$16000.00} and the current amount owed is {$16000.00} No payments have been made 30 days or more late. Statements attached for review.