23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I began applying for a loan modification with my mortgagor, Select Portfolio Servicing on XXXX/XXXX/2015. I began submitting the documents they requested. I have submitted a hard ship letter, bank statements, lease agreements for the subject property, lease agreements for other properties I own. Each time I submit a requested document, I get a letter stating that they have received the info they requested and once they receive a complete application along with third party approvals they will send it to underwriting. Once I receive these notices I call, then they request some other document. This process has been going on since XXXX 2015 and now the want something more bank statement detailing the rents I am receiving. I had explained in the hardship letter that I was having trouble collecting rents consistently. They want copies of canceled checks when most of my tenants pay with cash or money orders. I do not take checks because the bounce then the bank charges me a fee plus take the money from my account. They seem as though they do not want to modify my loan. I wonder if they ever give loan modifications to their customers.
Product: Credit card or prepaid card

I have a BJ 's Master Card issued by Commenity Bank. 8 weeks ago, I was unable to access sign on to my account. I could not call to get thru called XXXX along with any other numbers I had. 4 days later with issue still persisting, on the web sign on page message came up that they were upgrading their website. Finally after day five got customer service and next day was able to sign on. Two days later, I could not get on and nobody helped other than stating they were aware and have patience. Two weeks later and same issue. Now around 8 weeks and still no access to my on line account.

1. Not easy getting thru to customer support and have called regularly 2. Nobody resolves issue and can not sign on to view account, check balance, make payments and review charges.

3. Eight weeks now and frustrated.

4. Trying signing on and verified user ID, changed password, tried their links confirmed my email and cell and NOTHING 5.Site states they want to text or email me to confirm my idenity BUT they can not since no text/email on file. Please, I need help to be sure my data is not compromised. Thanks
Product: Debt collection

i am receiving non stop calls from this agency starting from early XXXX to late XXXX, during which time if i attempt to say hello no one says anything they stay silent until i hang up and they just repeat the action by calling again constantly, i have tried to reach out to the company directly to express the issue but the calls continue
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to TransUnionXXXX, and XXXX inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.
Product: Mortgage

Late last year Freedom Mortgage purchased my loan from XXXX. The loan is a 30 year fixed VA loan. Initially there was no issue with the account. Then in XXXX I got a paper statement that included someone else 's name instead of my spouse. I have no idea who the person is, its just some random person. I contacted Freedom Mortgage and they claimed it " was a typo ''. That is ridicules on its face since no one is typing anything into these statements. I told them that wasn't an acceptable answer because the presence of the name mean that somewhere in their computer system this oper person had been attached to my account. They brushed off my concerns repeating over and over that it was a typo. A representative promised to look into and call me back. They never did. 

Today I received my Form 1098 and my XXXX bill and low and behold, the name is still on there. Now I have a fraudulent IRS form. 

I called Freedom again today. They blew me off again. They have promised to send me a new form but in the mean time they have locked my access to my account over their web site. I have no way of knowing if they are going to submit a corrected from to the IRS so I have to worry about my tax return being flagged for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial letter sent to all 3 Credit Bureaus ( TransUnion, XXXX  and XXXX ) on XX/XX/2020 to dispute a reporting collection with XXXX XXXX ( account number XXXX ) via certified U.S. Mail. Results returned as " Updated. '' A letter requesting the Method of Verification of the debt was sent to all 3 Credit Bureaus ( TransUnion, XXXX  and XXXX ) on XX/XX/2020 advising under FCRA 611 ( a ) requesting the description of the procedure used by the corresponding agencies to provide all information to the creditor associated ( XXXX XXXX ) with the original dispute submitted on XX/XX/2020. The bureaus returned a copy of my credit report stating that the item was " Updated. '' A follow up letter requiring the Method of Verification was submitted to all 3 Credit Bureaus ( TransUnion, XXXX  and XXXX ) via certified U.S. Mail on XX/XX/2020 advising under FCRA 611 ( a ) ( 2 ) ( b ) to provide all relevant information requested under the original request. The same results were returned as " XXXX '' on the credit report, but no method of verification ( i.e. copy of a signed contract to validate the debt was provided to me ). On XX/XX/2020 an additional letter was submitted via certified U.S. Mail under FCRA Section 609 ( a ) ( 1 ) ( A ) to provide verifiable proof of the debt. If unable to provide verifiable proof, they are required under FCRA to remove the account. To date, no verifiable proof has been provided to me and the account continues to remain on my credit report.
Product: Mortgage

In XXXX I had lost income and was 5months behind in mortgage. I worked very hard in catching these payments up with 2 left to pay XXXX took it apom themselves to pay my taxes and got insurance for my home and without my knowledge. I had insurance on my home and have til XXXX XXXX to pay my taxes which I have done for XXXX now. I called to straighten out this disaster in finding out my mortgage jumped from XXXX to XXXX monthly. 
I am so upset and now XXXX behind and late fees keep accumulating. I ca n't get any help for a loan because they have posted this to my credit report. I 've asked to add balance to end of loan so I can get things back on track. What can I do???
Product: Consumer Loan

I do not have an account with Monterey Financial Services and therefore do not know why they are emailing as if I do. I got one bill from Monterey Financial Services and then XXXX XXXX transferred the bill back to their office and started sending me separate billing while they said they would credit my account and fix the amount owed since they never finished the work nor gave me financial credit in nearly a year. During this time I would receive a statements from XXXX XXXX thinking they will fix the tub which is not functional as the video on tv and internet said it would be. They advised that I was not to pay Monterey Financial Services and that I will be billed in house due to their error of not finishing the work and billing was incorrect. It is impossible for me to be in collections with Monterey Financial Services when I do not have any affiliation with Monterey Financial Services due to being billed for my account that is still in limbo for nearly a year. Also the work on this account was never completed and after more than XXXX calls and emails, faxes and certified letters no one from XXXX XXXX has decided to contact me to resolve the matter of the tub not working as it should and as of today 's date after sending a certified letter they have chosen not to respond. The tub which XXXX installed leaks and also now has disgusting drainage flies after the installation of the tub. As of today 's date no one came to fix anything and the tub does not get hot so in order to use the tub it 's cold water. They advised on numerous occasions what they would fix it and its been nearly a year and no one has ever showed up to do anything. I have no affiliation to pay for an account that was transferred back to XXXX from day one when I first got a bill from Monterey Finance I immediately called and was taken off the call list and billing list as a client and advised by Monterey Financial Services staff that XXXX has the account back. I never heard back from Monterey Financial Services office now after all of these months no calls, no statements were sent not even a letter only an email from XXXX XXXX XXXX advising me of arrangement to pay or obligation when there is none. No one can pay XXXX companies at the same time. No one can pay for services not completed, no one can pay one company for a few months then the other company for another then jump back to the finance company this makes absolutely no sense and is poor business practice. I will repeat I do not have an account with Monterey Financial Services and my account is with XXXX XXXX as billed I am still waiting for the work to be completed so I can use the tub and also for someone to get these drainage flies out of here from the sewerage line that was incorrectly installed. I have waited nearly a year for someone to show up I have emailed, called send certified letters and not one letter in return.
Product: Credit card or prepaid card

I noticed of Cards opened through XXXX 's ( XXXX  ), Norstrom ( XX/XX/ ), and Tagert ( XX/XX/XXXX XXXX 
The only charge I was sent a receipt for was Nordstrom with a charge of {$240.00} They were all used to make purchases in the XXXX area. 
Norstrom- XXXX XXXX OH Target- XXXX XXXX XXXX XXXX XXXX The individual has all of my personal information including my ss number, phone, address, email, and phone number. 
I have contacted all three and had the account closed.
Product: Checking or savings account

I am providing by request from navy federal. On the XX/XX/XXXX the transactions that need to be addressed. I did this in XX/XX/XXXX XX/XX/XXXX and 2 times this year. I cant see credits from navy federal anywhere on here. The only deposits made to bring account positive were my deposits. They paid Bill 's when I asked them not too. And they tried each bill 2xs with fees and no refunds. By doing this they made a horrible situation worse. And took account to XXXX dollars. There were no credits for the fraud or checking account checks due to them. My mom XXXX XXXX XXXX was a joint owner on this account. I have provided death certificate twice. This fraud attacked her and I. Since she was a joint owner this account should have been taken to XXXX balance and taken off all reports. Please look at uploaded material and notes I've made for you.
Product: Debt collection

I received a collection notice from CheckCare, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX. The correspondence and bill was sent to XXXX XXXX. This is my last name but incorrect first name. There is no one named XXXX XXXX in my family. The bill was for a returned check for a medical bill to XXXX in the amount of {$36.00} dated XX/XX/XXXX, Check number XXXX. I responded via certified mail to the letter and stated that there was no one by that name at this address and further that we had never been treated or incurred expenses by XXXX. The form stated we had 30 days to respond and to request documentation of the claim. I made this request but no data was ever provided. I received a second notice in XX/XX/XXXX and sent another certified letter informing them I was not the party responsible for this bill and to stop harassing me. I received my 3rd notice today. Please advise if you can provide assistance.
Product: Debt collection

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) XXXX  XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX ; XXXX XXXX; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX  XXXX, MI XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today is XXXX This was my 4 attempt to open a bank account.Still cant open a bank account even though CHEXSYSTEMS SAYS THAT I AM CLEARXXXX XXXX XXXX Since XXXX  I have not been able to open a bank account anywhere, everytime i walk into a bank and try to open an account the teller tells me that they can not open one because there is a freeze on my chex system account. Each time i have called chex systems to ask why they are reporting this, they deny that they are reporting any ADVERSE ACTION '', 3rd party freeze on my account. According to the FCRA consumers can dispute incorrect or incomplete information and request an investigation but when i order my Chex Systems report there's is nothing on the report stating that the account is frozen or that there is a 3rd party freeze. The rule is that, " YOU MAY SUMBMIT A DISPUTE REGARDING INFO CONTAINED IN YOUR PERSONAL CHEXSYSTEMS CONSUMER DISCLOSURE REPORT. But if the information is hidden from the consumer and only shared with banks then I AM PREVENTE FROM DISPUTING IT. The negative reporting is something that Chex Systems is only sharing with the banks not the consumer. It purposely hidden so that the consumer is not able to see it or dispute it. Yet each time the consumer tries to open a bank account the false reporting is issued to the bank. I have called Chex Systems and spoke directly with the managers and they deny that there is a adverse statement on my account regarding a freeze so i have not been able to get this resolved and it has been going on for 13 years. I would like to have this investigated because of the length of time it has been going on.

There is false credit reporting and i am unable to open a bank account like a normal citizen.I am getting the same response from every bank that i go to. when i lived in CALIFORNIA i was denied BECAUSE OF THIS STATEMENT ( aDVERSE ACTION ACCOUNT FREEZE ) and now i live in Iowa and i have been trying to open a bank account here and i am still getting the same response. Here are the banks that have denied me this year : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am tired of being embarrassed and turned down! This has been to get resolved now! I want an outside investigation done. You can contact all these banks and they will all tell you that they are getting the same message when they run a chexsystems report on XXXX XXXX. If Chex Systems is reporting that there is a 3rd party freeze on my account then they should be able to reveal where they are getting this information from and who the 3rd party is. 
XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. account name : XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

When moving from XXXX to New Mexico in a Permanent Change of Station ( PCS ) move for the XXXX XXXX XXXX, I took out a mortgage with XXXX, who eventually transferred my loan to XXXX XXXX XXXX, serviced by Mr. Cooper. I was having financial difficulties due to the cost of living during the pandemic ( and taking out loans during that time ) and due to the cost to move from overseas that was not reimbursed by the XXXX XXXX. I had already began talking to the financial advisor at my local XXXXXXXX XXXX XXXXXXXX XXXX XXXX in order to get into a better financial situation. When looking at the Mr. Cooper website, I saw that they had a relief plan specifically for hardships incurred due to the XXXX XXXX. I applied for the " Mortgage Assistance '' program and immediately saw that my account reflected the change. According to the Mr. Cooper Website page for XXXX XXXX, the program allows you to not make payments on your mortgage for 3 months with no penalties. A month later, I started getting phone calls and letters from XXXX XXXX XXXX XXXX stating that I was behind on my payments. Upon telling them on the phone that I had signed up for the pandemic relief program, their staff told me that the program did not exist any more and got really frustrated with me and threatened me with foreclosure stating that I still had to make payments. As soon as I submitted the application, and to this day, the total due is marked through on their website with {$0.00} due. However, the amount that is marked through keeps increasing and I keep getting phone calls. I am currently enrolled in a financial hardship program with In-Charge Debt Solutions for unrelated debt, because I am trying to get into a better financial situation. I have already spent the money that was supposed to go towards this mortgage on food, gas and other bills. I have already filed a complain with the XXXX, but I found this website and didn't know if it would be better to file here. XXXX complaint case # XXXX
Product: Checking or savings account

My Social security income is sent via Direct express every XXXX of the month. I tried to withdraw funds on XX/XX/XXXX XXXX but the ATM showed " Invalid card " I tried to call Direct express multiple times at different times but unable to speak to anyone. I also emailed but no reply. I verified with social security, and they confirmed funds were sent to Direct express on XXXX XXXX. My Debit card all of the sudden is not working/invalid. I am desperate for help because my wife, XXXX, also lost her XXXX funds last month XX/XX/year> ( complaint to CFPB filed today ). We have not found resolution yet for my wife 's case and now, I can not draw my own funds. I am old man XXXX XXXX XXXX, and I need the funds very badly or I will be evicted. I also need money to buy some XXXX not covered by insurance. 
I don't know how else to reach out to Direct express to talk to someone for assistance. We are calling multiple times, not sleeping just to call but no one answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 with my written instructions.
Product: Debt collection

original complaint XXXX # XXXX have tried to contact with XXXX XXXX XXXX XXXX constant stall tactics. Now Portfolio Recovery Associates is suing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I faxed a letter to American Honda Finance after a conference call with their service representative, and a representative from XXXX XXXX of XXXX XXXX. The letter and call were designed to explain to American Honda Finance that during the process of paying off my loan with them, the dealership ( XXXX XXXX of XXXX XXXX ) made a mistake and misapplied the payoff payment to another customer 's account. This was not my error. 

*I purchased a new car in XXXX and during the same month, paid off Honda . The misapplication of the payment erroneously triggered a late payment for me, reporting for XX/XX/2020. 

After initiating disputes regarding this matter, the credit reporting agency, XXXX, has inserted a late payment for XX/XX/2020, even though the the loan was paid and closed before XX/XX/2020. 

XXXX  has inaccurately reported the payment history on this account. It reports late payments, with a date of first delinquency of XX/XX/2020 after the account was closed. Again, requests to have this properly investigated have failed. How can my account report late payments before the date of first delinquency of XX/XX/2020? 

I have a right to have the information updated or corrected to reflect complete and accurate information. Otherwise, the account must be deleted. Neither CRA XXXX or XXXX has complied with the law. They have not properly investigated my disputes. 

Here are the violations I am asking to be investigated against XXXX and XXXX : 1. Failure to provide me with the information used to determine the result of their investigation. They have provided me with any documents from the furnisher ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )
Product: Checking or savings account

A checking account was opened under my name, social security number, birthday, and address. 
This is the XXXX time in XXXX weeks. 
M & T Bank XXXX XXXX