23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX This is a complaint about the servicing of my home mortgage by XXXX XXXX XXXX ( XXXX ) and Specialized Loan Servicing LLC ( SLS ).

On XX/XX/XXXX I received a notice from SLS that XXXX  had transferred servicing of my home mortgage to SLS, and I also received from SLS a Notice of Default and Notice of Intent to Foreclose stating three delinquent payments since XX/XX/XXXX and late charges. Payment was demanded to be made by XX/XX/XXXX and I was threatened with acceleration, etc. if I did not pay the amounts stipulated.

I spoke with an SLS agent onXX/XX/XXXX to disclose to SLS all of the facts concerning my business dealings with XXXX, and asked SLS to verify the facts and to cure their misunderstanding that was created by the false information provided to SLS by XXXX. I followed up with a letter to SLS on XX/XX/XXXX.

I received an Escrow Closing Notice from XXXX  dated XX/XX/XXXX stating : As of XX/XX/XXXX, you will no longer have an escrow account because : you asked to close it. Since that closing date I have paid the real estate taxes and property insurance. Also, I have paid the monthly mortgage payment for principal and interest every month, in full, and on time. I have the bank record of payments as proof of all payments concerning my home. XXXX and SLS both have made an overpayment of real estate taxes that I reimbursed them for and they accepted.

I received a XX/XX/XXXX Statement Summary from XXXX. It included : Total Interest Paid in XX/XX/XXXX : {$2900.00} ; Real Estate Taxes Pain in XX/XX/XXXX : {$0.00} ; Beginning Escrow Balance : ( {$600.00} ) ; Ending Escrow Balance : {$2500.00} ; Ending Gross Unpaid Principal Balance : {$160000.00} ; At the time of transfer the Principal Balance was reduced to {$160000.00}. If the escrow account was closed in XX/XX/XXXX, why was there a balance of {$2500.00} in XX/XX/XXXX? Where did the funds originate? Was this yet another XXXX error and failure to refund all of my escrow money in XX/XX/XXXX?

For the past 9 months SLS has harassed and threatened me to foreclose on my property and has tried to extort a large sum of money that they tell me is for taxes and insurance payments. Although I keep telling SLS that I have paid the taxes and insurance in full, they continue to ignore the facts. For the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, SLS has refused to accept my monthly mortgage payments for principal and interest and has returned it to my bank account. The returned money is being held in a bank account pending disbursement instructions from SLS. SLS told me that they can not accept partial payments. Are these people insane?

I have sent to SLS three Request for Information and Notice of Error hoping that their research would cure their false claims. They have not and they still refuse to research the facts.

Let it be known, if SLS is not capable of doing the necessary work to cure their fraudulent claim against my home mortgage, and to stop harassing me, and to stop their criminal extortion efforts, I am ready to file a criminal suite against them.
Product: Prepaid card

I received the card as a birthday gift earlier this year. I went to register the card for online use at XXXX, entered in the card number and the 3 digit code on the back and keep receiving an error. I noticed when searching on XXXX that many people have issues with cards linked to XXXXXXXX and that the card being unusable is a common problem.
Product: Bank account or service

I 'm an XXXX. On or about XXXX XXXX, 2014, I received an email from a person who purported to be a woman in XXXX trying to collect monies due on a divorce settlement agreement entered here in Illinois, and asking my assistance for this purpose. I entered into a retainer agreement with her for this purpose, and she sent me a check for the retainer and put me in touch with her alleged ex-husband. The arrangement was that he was to send me checks for the settlement amounts, and I was to send them to my client through my business account at Chase ( where my client also had an account. ) The client gave me her bank info so I could wire transfer the check amounts to her account. The first XXXX checks went through uneventfully. The XXXX check ( well into the XXXX figures ) was paid as a wire transfer by my branch of Chase [ NOTE THE CHRONOLOGY HERE! ], but then the original check was refused for payment because some of the information on its face had been altered. When I was informed of this, I attempted to contact the client, with no success. I have tried a couple of time since then, but have still had no success. 
A few weeks later, Chase froze all of my accounts ( XXXX of them ), and they are still frozen. They have notified me that I am responsible for repaying them the XXXX-figure check. I could not possibly do so, even if I liquidated all my assets. Chase has essentially impounded roughly {$12000.00} of my funds. They continue to levy regular bank charges on both accounts, and to send me statements and other mailings. 
I retained an attorney for this matter last year, but he was conflicted out of the case when he became employed by a firm that represented Chase. His approach to the case was less than helpful to begin with -- it was his feeling that he had done an adequate job in that Chase had not actually filed suit against me for the XXXX-figure check, even if they had also not returned my funds. 
Although I am XXXX myself, I have no expertise in banking matters, and we all know what XXXX says about XXXX anyway. 
I have all of the documents that exist in this case, and have also sent copies of them to Chase, and will be glad to send them to you on request.
Product: Mortgage

XXXX XXXX XXXX. After having this high interest loan for XXXX years my life insurance canceled. A XXXX XXXX loan in which I still owe XXXX XXXX. A second mortgage
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 : It 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. Please send me that information or remove these accounts from my credit, the law is very clear about this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts account name and account number has violated my rights 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX,
Product: Credit card or prepaid card

Greetings! 

Step 1 : What is this complaint about?

Victoria 's Secret credit card. 

Step 2 : What type of problem are you having?

Charging me late fees and accumulates up to {$470.00} from initial store purchase of {$95.00} Step 3 : What happened? 
At the store a cashier offered a card with initial discount on first purchase ; Gave me receipt with note that I will receive the card 10 to 12 days. But never came and then the Comenity Bank starting to charge late fees. The card never came until XX/XX/2019, on my bill another purchase came out that I did not do. Hence my bill went up higher with increase late fees. I dispute the issue and they wanted me to send them my SNN and other proof of address by mail which I believe is a delaying strategy and I don't trust them because of what had happened. The account was closed and was transferred to a collection agency which calls me and bothering me ever since. I am willing to pay the principal amount owned but they want me to pay the late fees which I am not entitled to. 

Step 4 : What company is this complaint about? Victoria 's Secret  credit card and Comenity Bank.

Step 5 : Who are the people involved?

Only me and the credit card Company or the said Bank. I don't know who stole the card.
Product: Debt collection

My now ex-spouse and I got divorced during the divorce all the auto were to remain with her both truck and suv. She accepted full responsibility for these loan which she turned and filed in a chapter XXXX. The divorce Judge signed the agreement. The lender refused to delete the negative loan from my credit reports and I disputed showing all my legal paperwork and the CRA have yet to update. I have emailed and contacted the lender with no response. I am still being hurt from this past with her even though I have legal paperwork showing I am not to be held accountable for these loans! There are two different lenders involved.
Product: Debt collection

FICTITIOUS ACCOUNT OPEN UNDER MY PERSONAL INFORMATION WITH YOUR COMPANY ONE MAIN account # XXXX date open XX/XX/2022 I believe that I have been receiving communication from your company in relation to allege account. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and any other applicable Florida state laws ( FCCPA ), that all communication regarding this ALLEGE matter cease immediately. 

CEASE ALL REPORTING OR SHARING OF MY PERSONAL INFORMATION I HAVE Attach FTC REPORT, POLICE REPORT AND AFFIDAVIT OF FICTITIOUS ACCOUNT please remove and re-investagte
Product: Credit card or prepaid card

I am writing now in wish to receive your help. Presently I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX   and XXXX ) on XX/XX/2016 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Product: Mortgage

My XXXX  with XXXX was ending and I wanted to pay off the balance in full. I attempted to contact the company both via telephone and via the online message center in my account several times. I was told over the phone that XXXX would send me the pay off amount information but I never received a single document despite my repeated attempts. Concerned about missing a payment, I continued to send payments to XXXX in the interim because I did not want there to be an issue. XXXX sent the payments back to me and still did not send me any pay off information for my mortgage. 

XXXX then proceeded to accuse me of missing payments despite the fact that my payments had been sent in and subsequently returned, and they reported it to the credit bureaus. This is absolutely unfair because XXXX failed to provide me with the amount and payment information to pay off the loan which I requested several times. I wrote a letter to XXXX requesting that they please cancel the missed payment report sent to the credit bureaus considering this was XXXX 's fault and they refused stating they were not in the habit of doing that. As soon as I received the pay off information many weeks later, I proceeded to pay off the loan entirely. This is absolutely unfair. I had never missed a payment in the past and XXXX 's incompetence and significant delays have negatively impacted my credit score. I am currently renovating my home and late mortgage payments in the last 12-months kill my chances of getting a loan. I respectfully request that you please expedite this process as I am being punished for something I did not do. I can provide a copy of the letter we sent as well as screenshots of the messages I sent to XXXX requesting the pay off instructions.
Product: Credit reporting or other personal consumer reports

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also Bank of America detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: Payday loan, title loan, or personal loan

I took out a loan with Zoca Loans around 3 months ago. I've paid them roughly XXXX dollars on a XXXX dollar loan and they still want XXXX dollars to settle the rest of the loan. I live in Minnesota and don't know the state laws but it feels like a scam. Please help.
Product: Student loan

Applied for new loan XX/XX/XXXX with very new permanent address for borrower and cosigner. Had to send verification of address and identity. They rejected serveral documents that were on their list. Made a call to them on XX/XX/XXXX to resolve and felt like we were on the right track. Got another email saying action was still needed and called again Sunday XX/XX/XXXX. During that call I accepted my interest rate and accepted my loan. I was informed it was now up to the school for dispersion. Yesterday we received a call that action was needed. At this point we should n't need any action as you can not accept the loan unless all parts are there. Not the case. I had to upload another document and correct the address once again. If the address was different you think they would have mentioned or noticed. While every representative was polite and as helpful as they could be, I am very displeased with discover. It was a long and frustrating process that was unnecessary.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Equifax is in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). Per the GLBA, NPI XXXX XXXX violated ( GLBA ) and ( NPI ) by sharing my non-public Personal and Financial information to Equifax without being authorized by me by not signing a opt out disclosure and Equifax violated by sharing and selling my non-public Personal and Financial Information for marketing & monetary purposes, The Gramm-Leach-Bliley and Non-public Information ( NPI ) violation includes any information provided by an individual to obtain a financial product or service, such as name, address, income, Social Security number, or other application-related details. Financial institutions are required to provide an initial notice to customers at the establishment of the relationship and an annual notice thereafter. It has come to my attention that the charge-off on my credit report is inconsistent with the GLBA 's requirements, as I have not received the necessary notices and information regarding the handling of my NPI. Specifically, I have not been provided with an initial notice at the establishment of the customer relationship or an annual notice thereafter, as mandated by the GLBA Moreover, if my NPI has been shared with nonaffiliated third parties, I have not been given the requisite opt-out notice, a reasonable way to opt out, and a reasonable amount of time to exercise my right to opt out before any disclosure. This lack of compliance raises serious concerns about the handling of my financial information. I kindly request a thorough investigation into this matter, and I expect the immediate removal of the charge-off from my credit report if it is found to be in violation of the GLBA. Failure to do so may result in penalties outlined in the GLBA, including fines and potential legal action. I anticipate your prompt attention to this matter and a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA.I never seen a opt out disclosure from Equifax that gives them authority to use and share, sell non-public Personal and Financial Information for marketing and Financial purposes without having permissible purpose, BELOW IS THE SCREEN SHOT OF WHAT I RECEIVED, if you do have permissible purpose who authorized and granted you those rights.Accepting unauthorized Non-public personal financial Information is theft, And fall under AGGRAVATED IDENTITY THEFT.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to cancel an American Express card through their chat service. They requested me to call their services, in order to cancel the card, while I was outside the country and unable too. This action could have been easily done through the chat. The 30 day renovation was going to end the day after, on XX/XX/XXXX. Today in XX/XX/XXXX I called again and after being transferred to several service members and managers I was able to cancel the card. I asked for a refund on the annual fee and they were unable to help me with that as well. They continued to tell me that the only way to get the refund was during the 30 day renovation that had already passed, and I was unable to meet their deadline due to their chat inconvenience. Even after I informed them that it had been their mistake that I had not done this process during the 30 day renovation, they continued denying me the refund. I ended up wasting more than an hour, talking to the manager and got absolutely nowhere. I demand the annual fee to be refunded, because I attempted to cancel within the 30 days through an official channel provided by American Express and the same channel through which I cancelled it today.
Product: Debt collection

The STATES RECOVERY SYSTEM reported a debt collection on my credit report, while I have not owed any debt to the STATES RECOVERY SYSTEM. I have contacted the STATES RECOVERY SYSTEM and disputed this issue several times through XXXX this year, but the STATES RECOVERY SYSTEM never removed this debt collection from my credit report. 

At this point, I have to contact the CFPB and I really appreciate that the CFPB would help me out.
Product: Debt collection

In XX/XX/2020 my wages were garnished due to an old capital one account. The credit bureaus ( all three ) are still reporting this debt incorrectly and they WILL NOT update it. I am extremely frustrated. My number is XXXX and my email is XXXX.
Product: Credit card

On XX/XX/2023 I was charged {$120.00} from XXXX for a monthly subscription on my Ally credit card. I cancelled my monthly membership with XXXX  a full 10 days prior to XX/XX/XXXX. I was then charged another {$120.00} again in XX/XX/2023, XXXX months after cancelling my membership. I called around XXXX XXXX XXXX to dispute that charge and during my phone call, I was disconnected from the agent ( calls are recorded I was told so this would be reflected ) and I wasnt sure if my dispute ever went through. I was sent documents telling me to call Ally before XX/XX/2023 or my dispute would be decided without any additional input from myself so clearly it was logged by an Ally employee even though we were disconnected before finishing the original report. I called Ally on XX/XX/2023 and I was told my dispute had been closed and not in my favor. I was told I could request my case be reopened in writing within 14 days and I did just that - wrote Ally a letter explaining the dispute situation and why I felt it should be reopened. I then received a letter stating my dispute had been closed. I called today, XX/XX/2023 to inquire why my dispute was closed when it was obvious this was a fraudulent charge and I was told by a rude Ally employee that it had been over 60 days since my original dispute was opened so it was automatically denied. This isnt even the same reason given in the letter I received from Ally dated XX/XX/2023 - in that letter it states my documents do not support my dispute even though I have direct confirmation my cancellation was received from the company that charged me the {$120.00}. 

I have been screwed at every turn by this company - Ally first opened the dispute without getting all the information from me due to the call being dropped ; second Ally closed my dispute XXXX days prior to the stated date in their letter to me ; and third Ally automatically denied my request to have my dispute reopened due to some arbitrary statue of limitations. This is fraudulent business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification from the 3 credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. These accounts are harming my financial life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Im very familiar with the consumer laws and according to the 13:30 15 U.S.C 1681 ( d ) ( 2 ) ( a ) ( i ) rules of construction-Exclusions 28:30 15 U.S.C 6801- Protection of non-public personal information 31:00 15 U.S.C 6802- Obligations with respect to disclosures of personal information 43:00 15 U.S.C 1692, states that I have rights as a consumer.