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

I have a loan with CHOICERECOV ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX, and CHOICERECOV ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Mortgage

The loans solution center for XXXX-XXXX  XXXX  warns callers that if they request forbearance it will have direct negative impact on their credit report. This warning goes against the specific wording of the cares act which states that requesting covid-19 for barents on your FHA or otherwise XXXX  protected loan will not negatively impact your credit report or history.

after 2.5 hours on the phone waiting on hold there was not a representative available at loan solution center or XXXX-XXXX  mortgage that was able to address this specific issue. 
This is a specific and direct attempt to bypass the cares act and avoid issuing GSE and FHA protected covid-19 forbearances.
Product: Mortgage

Upon examining the statements received each month from Ditech we noticed that the amount taken automatically from our account was more than the amount on the statements. We contacted Ditech and were told that it was authorized. We asked for the written and signed copies of said authorization and were told it would be mailed to us. On XX/XX/XXXX we called again, talked to XXXX XXXX who stated they can take more than the statement amount. We asked for the same documents as well as a pay off statement, loan origination documents, and a statement of all payments made to date. We received e-mailed documents of the insurance coverage and the amount paid to date. Today, XX/XX/XXXX we again called Ditech as they attempted to withdraw more than the statement amount twice ( Statement amount {$470.00} attempted to take {$580.00} ). XXXX took the call and stated that the extra amount was for insurance, which is listed as having already been paid. XXXX transferred us to Supervisor XXXX. Suddenly XXXX is stating that there is a fee for auto pay with is not listed anywhere on the statement nor on their website and that was the extra money withdrawn. 

Upon examining the statements received each month from Ditech we noticed that the amount taken automatically from our account was more than the amount on the statements. We contacted Ditech and were told that it was authorized. We asked for the written and signed copies of said authorization and were told it would be mailed to us. On XX/XX/XXXX we called again, talked to XXXX XXXX who stated they can take more than the statement amount. We asked for the same documents as well as a pay off statement, loan origination documents, and a statement of all payments made to date. We received e-mailed documents of the insurance coverage and the amount paid to date. Today, XX/XX/XXXX we again called Ditech as they attempted to withdraw more than the statement amount twice ( Statement amount {$470.00} attempted to take {$580.00} ). XXXX took the call and stated that the extra amount was for insurance, which is listed as having already been paid. XXXX transferred us to Supervisor XXXX. Suddenly XXXX is stating that there is a fee for auto pay with is not listed anywhere on the statement nor on their website and that was the extra money withdrawn. 

from bank statement : XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00} XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00} XX/XX/XXXX ELECTRONIC WITHDRAWAL / DITECH REG PAYMNTXXXX {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX  XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance Owed : {$33000.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX  XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX ; XXXX XXXX XXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX.
Product: Mortgage

I receive nearly every month letters from XXXX XXXX XXXX. These letters are intentionally designed to appear as though they are coming from my current lender and make it sound like I urgently need to contact them about my rate. There is no mention of who the letter is from anywhere in the main text of the letter. It is only at the bottom in the fine print that it is disclosed.

Fortunately for me I work for a financial institution and know where to look in the fine print to identify who the company is sending me this letter. Others have likely been fooled. This looks like a deceptive banking practice by a mortgage lender.
Product: Debt collection

I am divorced and my ex-husband is 100 % liable for medical bills when he does not have our children insured. During a period when he did not have them insured, XXXX of our children had to go to the ER several times. Because I was the parent that took our child to the ER, they named me the guarantor and billed me for the visits to the ER. I contacted the hospital and provided them with the divorce decree which clearly states my ex-husband 's liability. They said there was nothing they could do. Eventually, the debts went to collections and are now reflected on my credit report. In XX/XX/XXXX, the first two, in the amounts of {$720.00} and {$520.00}, were reflected as derogatory marks which have negatively impacted my credit score. The third debt in the amount of {$310.00} showed up on my credit report in XX/XX/XXXX which further reduced my credit score. I initially contacted Medical Data Systems Inc., the collection agency, in an attempt to resolve the issue. They informed me that there was nothing they could do. On XX/XX/XXXX, I sent letters of dispute with proof of my ex-husband 's liability to all three credit bureaus and to Medical Data Systems. I have not received any correspondence from XXXX or XXXX, but XXXX  sent me a report on XX/XX/XXXX, showing the debt and the derogatory marks unchanged. Medical Data Systems also responded with a letter stating that they intend to continue reporting my debts to the credit bureaus. With legal proof from a court of law and signed by a judge clearly defining the party responsible for these debts, it is inconceivable that I am still being held responsible and that the credit bureaus and Medical Data Systems Inc. do not recognize the law declared by a judge and are not willing to work with me.
Product: Credit card or prepaid card

Every time that I pay the statement balance I call them e they said that the next mont will be zero, but the next month come always come another bill and it has been 2 months already and I can't keep paying so much, I have no money for that. And now that I requested to cancel and close my account nobody answer on the chat neither on the phone. 

I would like to this issue to be solved and my account closed, please. 
Carecredit is a scam! It's ridiculous.
Product: Checking or savings account

Opened a 5/3 checking account online, in response to a hardcopy mailer ( attached ) promising {$300.00} bonus 10 business days after making qualified deposits. I made the deposits via direct deposit of my paycheck. Exactly as specified in the offer. 

No bonus was received as specified. I tried contacting 5/3 via their barely functional online Chat feature, with barely sensible responses. Finally gave up on that and called their Customer Svc # -- spent a half-hour with multiple representatives, plainly laying out the terms of 5/3 's mailer and how my actions met their terms. And getting, " I don't see that your account is eligible for any bonus. '' Finally the last rep said, " you'll need to go into a Branch to resolve this. '' There is nothing in the terms of this offer requiring me to go into a Branch to secure the promised Bonus. 

Side note : 5/3 's website is barely functional. There is no way to email this company. All they offer is online Chat, regardless of their Customer Svc hours. To get to Chat, they send you to an endless loop of " Login to Chat '' -> Login Again -> " Login to Chat '' ... Over and over. Almost like they don't want to let you log a service ticket / email. Horrible, horrible experience with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's derogatory reporting to my credit report from American Education Services ; which is causing me hardship.They have sold my credit information to various credit collecting agencies, and garnished my wages unlawfully. These agencies have violated me in so many ways. They are sending me letters, calling my personal phone number, and emailing me ; which is a violation of my privacy. I had zero knowledge of this company selling my information. We as consumers are violated every day with these company 's fraudulent practices. These debts are already paid through our Cesti que trust. The violation becomes over kill, and is a Tort issue, by reporting derogatory information. This is considered deformation. These corporations want to overly profit adding interest, putting our information on the stock market, and selling our information to other agencies. 

According to HJR 192 these debts are not ours, because they are already paid. I can send in any documentation as requested. This include emails, letters from numerous companies, and a call list.

" The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar ''.
Product: Credit reporting or other personal consumer reports

Recieved a notification that JPMCB Card Services ran my credit report and I have no idea why. I never applied for anything, I do not bank with JP Morgan or Chase, I did not authorize a credit check for anyone or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACTIVE FORBEARANCE EFFECTIVE XX/XX/XXXX THROUGH XX/XX/XXXX..

WHILE ON FORBEARANCE XXXX HAS NEGATIVELY REPORTED DELINQUENT STATUS ON ALL CREDIT REPORTS
Product: Student loan

Applied for an income based repayment plan to begin in  XXXX     2017. W ithout income taken into consideration my minimum monthly payment was {$700.00}. When I applied for an income based repayment plan, they quoted me at a monthly payment of {$300.00}. Not bad -- if I did n't have an already extremely tight budget, working as head of household, with a child, bearing full housing costs, etc. When I called hoping to lower that monthly minimum ( {$200.00} is my budget for my Navient loans, because I have other Perkins loans, etc ), they could not budge and insisted that I was already on the lowest possible repayment plan. They then asked me if I could change some things on my application like -- did I want ot say I was pregnant? Was I sure I did n't have any other dependents? Being honest, I said no. The customer service rep apologized for the bad news and said there was nothing else he could do to help me, and good luck. This has forced me into forbearance for 6 months -- even with a very decent job and good pay! I want to repay my student loans, but I need to work with a company that will work with me!
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
This account ( XXXX XXXX XXXX XXXX ) should not be furnished on my consumer report as it is in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I rescinded a my mortgage loan after the lender refused to remedy material disclosures ( the fees associated with my mortgage XXXX they above what the law allows, in the timeframe allowed to them by law. 
There were several Truth In Lending Act violations regarding the material disclosures associated with my mortgage.

These material disclosures were in sections A and B of both the Loan Estimate ( s ) and the Closing Disclosure ( s ).

The Truth In Lending Act requires a lender review and cure all tolerance violations within 60 days of consummation of the loan. Further, law requires the lender cure any Truth In Lending Act tolerance violations prior to the borrower bringing it to their attention. 
This lender 's first tolerance cure check, left uncashed, was issued 492 days after consummation of the transaction, as defined by signing of the binding agreement ( s ). 
This lender 's second tolerance cure check, left uncashed, was issued 787 days after the consummation of the transaction, as defined by signing of the binding agreement ( s ). 
I rescinded the loan after the lender 's first unlawful cure attempt and before their second unlawful cure attempt. 
There is no mortgage, yet this lender has filed for foreclosure on my home with the intent to sell it. The lender did not unwind the transaction, rather they hired a law firm to entice me into a settlement agreement. When that failed, they hired another law firm to foreclose on my home. 
Both law firms were advised of the rescission delivered to this lender in XX/XX/XXXX. 
It is unlawful to collect on a debt that doesn't exist. 
This is my 3rd complaint to the CFBP about this lender, in each phase of the progression of the issue. Once complaining about the origination the loan. The second complained about servicing of the loan. And finally this last complaint about collecting a debt that does not exist. I know the Truth In Lending Act very well. I know the Real Estate Settlement Procedures Act very well. I know the Truth In Lending Act and the Real Estate Settlement Procedures Integrated Disclosure ( TRID ) rules very well. And, while this transaction was originated in the Optional Compliance phase between the XXXX implementation and XXXX compliance dates, the material disclosures would have been out of compliance for both. 
This final straw of recording a default letter on my home, and attempting to move forward with a non-judicial foreclosure, is CFPB complaint worthy. I will have to take them to court for all of this and am nearly ready to file in Federal Court. 
It is a shame that, as a consumer, I have taken every step available within these agencies that have been set up to " Protect '' consumers. Both on the State Level as well as the National Level.

Next will be Federal Court and filing a complaint with my local Attorney General. 

To the Lender : You have been given EVERY opportunity to do the right thing. You have not acted in good faith and are the reason that portals like this one even exist. Please take a moment to reflect and make the lawful decision this time.
Product: Mortgage

Please acknowledge receipt of the endorsed, promissory notes ( bonds ), and provide written confirmation and accompanying documentation of the satisfied loans PROVIDE METHOD OF VERIFICATION of debt
Product: Debt collection

Simons agency has also called numerous times to collect I assume from XXXX. I will upload the same documents showing I was divorced from a previous wife XXXX XXXX XXXX in XX/XX/XXXX ( Remarried in XX/XX/XXXX to XXXX XXXX XXXX along with medicaid id etc. My medicaid should have paid this.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp XXXX Block , Inc ) due to inadequate customer an unfair practices, which viopate the Consumer Financial Protection Act ( CFPA ) specifically, Cashapp failed to take timely an effective measures to prevent and address fraud on there platform, leaving my account vulnerable an unprotected. Furthermore there dispute resolution requirements under the Electronic Funds Transfer Act ( EFTA ) Regulations E. These actions has costed significant inconvenience and financial loss, an I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : JPMCB CARD XXXX Balance : {$0.00} ; JPMCB CARD XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX  XXXX opened XXXX balance reported on XXXX  is {$900.00}. Account is already out of my XXXX and XXXX  credit report. Need my XXXX  to also reflect the same. 

Wakefield & Associates There is a duplicate on this account both of the accounts associated to this company has the exact amounts of {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, 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 as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I saw some false accounts on my credit report today and can't understand why they're there. I regularly review my report, but this time I noticed sudden inconsistencies. I attempted to refresh my browser, assuming it was a minor error, but the incorrect information stayed. Because of this, I am asking for a detailed examination of the documents I submitted to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

1-On XX/XX/XXXX i opened a bank account with Chase Bank 2-As i was managing my account on line a pop up appeared suggesting i apply for a credit card with chase.

3- The pop up made it clear that my application will not affect my credit score ( i am attaching their pages as it appears and as it prints out attachments A1 and A2 ). Which implicitly meant hard inquiry will not appear on my credit report ) 4- Immediately my XXXX monitor reported that i had made a hard inquiry and that my score dropped 4 points due to this inquiry.

5- I immediately sent chase and email explaining them the situation and asking them to remove the hard inquiry. they answered in 2 days saying they ca n't do it and i have to contact another department 6- I sent chase a letter on XX/XX/XXXX about the issue requesting them to delete that hard inquiry ( see attachment A3 ... ). they answered with a letter to send more information about the issue. 
7- I sent a letter to XXXX on XX/XX/XXXX ( A4.. ) of the incident and other incidents asking them to delete that hard inquiry especially that my written and or verbal consent is required as per the stipulations of the law.

8-Received letter from XXXX that though companies do not have my written or verbal consent they still can report a hard inquiry and i should object with your office. 
9- I sent chase second letter attachment A5 ) with more info.

10- Chase sent letter ( attachment A6 ) refusing to remove the inquiry.
Product: Mortgage

I was vulnerable during the housing crisis, Ocwen Loan Servicing LLC deceptively put me into a Shared Appreciation Mortgage that entitles them to 25 % of my property. This I feel was unfair and illegal. In addition to this I had a business partner who decided he did n't want to continue with his share of the property. I supplied Ocwen with a notoriety stamped Quick Claim Deed, and individually qualified for this scam Mortgage. Now five years later I 'm being held captive into this agreement. I 've recently asked why my former business partner name was staring to appear on certain documents they claim the he is still responsible for thus debt. How can he be held responsible when I individually qualified for this scam of a mortgage. I recently called and spoke with someone in XXXX and they sent me a letter asking for nearly {$800.00} to remove his name. I 've met the criteria already when I modified my loan. This type of stuff should n't be happening and the fact they wo n't let me out this Mortgage is scandalous.