23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am filing my complaint against, PHH Mortgage Servuces who has aggressively sought out ways to force these fees on borrowers, by attempting to make borrowers amend their mortgage agreements in such a way as to enshrine fees each time the borrower is not offered methods outlined in original note but rather forcing browser to elects to pay in specificed method beneficial to PHH further the borrowers original note agreement for the duration of the mortgage agreement is being drastically affected. PHH is wrongfully denying hardship assistance and modification programs in an attempt to wrongfully foreclose on properties and further failing to update records, supply requested documents and accounts of transactions history and charging inflated fee, rate to accounts this company has multiple class actions lawsuits filed against them and engage in attempting to have the customer meet standards they are illegally inforcing and not in compliance with original terms of loan further i am denied after signing my legal government name which PHH is unwilling to acknowledge, the name used at time of initial loan application
Product: Credit card

My Total Visa credit card is lost/stolen and theres over {$300.00} in fraudulent transactions and charges. I have never used my Total Visa credit card. My Total Visa credit card account number is : XXXX. The Fair Credit Billing Act ( FCBA ) under federal law limits my liability for fraudulent credit card charges to {$50.00}.
Product: Student loan

I had a forbearance for years due to not working and being a single mom and they put me in collection because I ran out of times for forbearance. Then I got a job and they told me I had to pay XXXX a month and I told them there was no way I could afford that. They told me there was no way to lower that amount that 's all they could offer me. So again I did n't pay so I was affected with my credit then I finally kept calling and researching trying to pay something and they said I might qualify for a lower payment but they are n't sure so I had to fill out all this paperwork to see if I could get my payment down to XXXX dollars a month which is where I am now except it 's only good for six months then it will go back to XXXX a month which I ca n't afford to pay so I will be back to square XXXX. My loans were {$9000.00} when I graduated in 1999 now they are XXXX. Everytime I pay my payments every month which I have been on time every month it does n't even make a dent in the balance. This is for business school at XXXX college where I graduated
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below CAPITAL ONE BANK USA XXXX XXXXXXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax and my car loan company XXXX will not work with me to add XXXX back on my credit report. I disputed the late payment from XXXX we have been going back and forward about this dispute for over XXXX months and neither company is willing to do their job. I paid XXXX a month from XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

Several months ago, I was deluged with phone calls from a company called Convergent as seen on my caller ID. They called both my land line and cell phone. On some occasions, the number had no identifier or was caller unknown. I did not answer these calls but went to a website that identified Convergent as as debt collection agency. I knew I had no outstanding debts that had been turned over to a collection agency and have excellent credit. I put a credit freeze on my accounts after the XXXX  debacle a year ago. On the website it showed a place where you could enter a phone number so as not to receive any further phone calls so I entered both my numbers. The site said I would receive further notifications by mail. On Friday, XX/XX/2018, I received an invoice from Convergent representing XXXX XXXX XXXX XXXX XXXX for {$74000.00} in unpaid loans. I believe this is a scam as I have no unpaid college loans. Online resources stated that XXXX XXXX XXXX XXXX XXXX has had several class action lawsuits for falsely billing people.
Product: Prepaid card

I purchased a card from XXXX, it was a NetSpend prepaid card I loaded the card at XXXX for {$40.00} on the same day, I got home called to activate the card and it wouldn't allow me to activate it it said to call customer service, I called customer service sat on hold for XXXX hours to be told I can't activate the card due to them not allowing me to have account with them, even though I have had a regular card through them for years now with no problems from my end nor there's, they told me they couldn't activate it due to problem an they would be sending me my {$40.00} to my address an almost a month has went by no sign of my {$40.00} in the mail I have called several times keep getting the run around, I really needed this XXXX dollars I know it's only XXXX dollars but I'm on a fixed income I need everything I have, please help me
Product: Student loan

On XXXX occasions I have paid my past due balances in chunks to fit with current pay structures. Typically XXXXXXXX XXXX worth of loan payments sit past due as I continue to catch up, however I am very diligent in making sure they do not cross the XXXX XXXX delinquency mark as that is when it gets reported. Discover has never had a problem with me handling it this way, as it prevents me from surprise overdrafts and allows me to pay when I get paid. In the XXXX of XXXX, XXXX XXXX of payments were made, the later XXXX  on the XXXX I believe. On the recorded phone call which I made the payment over, you can clearly hear the operator state that the payment would process and my account would not be over the XXXX XXXX delinquency. I verified this verbally again with the operator and was assured that having made these payments my credit was not being affected. About XXXX XXXX after the payment was made they reported it Delinquent and hit my XXXX XXXX for over XXXX points. XXXX to be exact. It took me a XXXX or XXXX to notice and once I did I immediately reached out to rectify/clarify the situation. All past due payments were either made or scheduled. They have an open investigation into the situation currently ongoing, however I wanted to make sure I filed here as well because I have heard from others that Discover can be hard to work with. Any help restoring this would be greatly appreciated. 

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

In accordance with the Fair credit Reporting act 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 166b A creditor may not treat a payment on a credit card card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. The attached documentation further explains my claim.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all XXXX data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Product: Debt collection

I'm getting about a half dozen phone calls and voicemails a day trying to collect debt owed on a " costco XXXX  by citi '' card. 

I don't have such a card. If I try to call back the number to tell them to stop contacting me, it goes to an automated system that asks me for card digits or social security number of the cardholder. I am not able to provide any of this information, as I am not a cardholder! 

Make the calls stop.
Product: Vehicle loan or lease

My loan is showing that I have not paid it since XXXX and that is I correct.
Product: Vehicle loan or lease

GM has filed a 30 past due notice to my report of an invoice of a end of lease charge that they say has yet to be generated by them. They admit that this is a mistake but has not made any attempt to correct this " error '' which by YOUR definition is a crime. This is false information put on my credit which by YOUR definition is illegal.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Experian regarding a repossession account reported on my credit file. As part of my dispute, I specifically requested evidence of compliance showing that the repossession was conducted lawfully and that the reporting is accurate per the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX Experian responded by merely stating that the account was verified without providing any supporting documentation or proof of compliance. Under the FCRA, Experian is required to conduct a reasonable investigation and must provide documentation substantiating the validity of the disputed item. Their failure to provide this documentation suggests either an inadequate investigation or noncompliance with federal regulations. 

I am requesting the CFPBs assistance in compelling Experian to : XXXX. Provide documented proof that the repossession was conducted in compliance with applicable laws. 
XXXX. Remove the repossession from my credit report if they can not provide such proof. 
XXXX. Ensure Experian adheres to proper dispute investigation procedures under the FCRA. 

I have attached copies of my original dispute letter, Experians response, and any supporting documents for reference.
Product: Debt collection

My mortgage from XXXX XXXX was " sold '' to this debt collector. I had received a bunch of harassing calls and letters for payment even though I was set up for EFT. I made a payment over the phone with a representative and paid exactly what was asked. I received a letter saying I shorted by XXXX cents and now they are forcing me to set up an escrow account. They are not abiding by the original terms of the loan either ; they are forcing me to obtain condo insurance when my master plans covers this. When I call the agents are rude or sound drunk and high. They are a predatory lending company and trying to take my property away from me as they are ruthless. This company is not accredited by better business bureau. They should be shuttered once and for all.
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit reporting or other personal consumer reports

Shellpoint Mortgage has verified as accurate information they submitted to CRAs from XX/XX/XXXX until XX/XX/XXXX. In mid XXXX XXXX 14 months after this account was transferred, they CHANGED information to corroborate with XXXX XXXX.
Product: Mortgage

DOVENMUEHLE MORTGAGE is reporting a 30 day late to all credit bureaus for the month of XX/XX/2020 and XX/XX/2020. From XX/XX/2020 through XX/XX/2020 I was hospitalized with no pay due to hospitalization ... During my hospitalization I had minimum access to my banking and paying bills ... thus my auto pay to Dovenmuehle was returned by my bank. After contacting Dovenmuehle and requesting correction of this derogatory from my credit history THEY DECLINED stating late fee removal was a one time curtesy and that they were NOT willing to remove lates reported to CRAs and COVID19 release and order to banks NOT to report lates did NOT apply to them and that they are not participating in this consumer relieve program .... How is it that it is an ORDER for all lenders and my bank Dovenmuehle can chose to opt out and report derogatory to all clients for missing their mortgage payments during national pandemic and national crises!!!
Product: Checking or savings account

I have personal checking Acct ( ACCOUNT XXXX ) and DBA Business checking Acct ( ACCOUNT XXXX ) at CAPITAL ONE BANK. 
Account 1 had a balance of {$8300.00} Account 2 had a balance of {$5600.00} Total available at the Bank was {$14000.00}. ( Attachment 1 ) The Bank froze my accounts, denying my all scheduled payments- and claimed my Accounts were under investigation ( BY THE BANK. ) ( Attachment 2 ) They weren't forthcoming with any information even after in person visits or through phone conversations. Since XXXX XXXX. However, I could still review my accounts online. 
Suddenly, my online balance, went to {$0.00} and showed withdrawal. ( Attachment 3 ) Again I visited a Branch in person to find out where my money was, who did the withdrawal. The Bank provided numerous and different places my balance money was sent to. the bank claimed my money was sent to Secret Service, FBI, IRS and finally SBA. No agency had a report of the money. 
On XXXX I received a Letter dated XXXX that the Bank CLOSED my account and WOULD BE SENDING CASHIER 'S CHECK. ( Attachment 4 ) As of XXXX NO CASHIER '' S CHECK has arrived. I have contacted Bank on several occasions and again been told- " It was sent to SBA '' however, SBA hasn't received any CHECKS from the Bank . 
CAPITAL ONE BANK HAS BASICALLY STOLEN MY MONEY! I tried filing a Police Report for my money but XXXX County Sheriff Office refuses to write it up. 
RESOLUTION BE PROVIDED MY {$14000.00}. STOP THE ABUSE/THEFT FROM THIS BANK.
Product: Bank account or service

I am a XXXX year old XXXX ( XXXX ) trying to assist my XXXX year old mother who is currently XXXX. She wishes to transfer money from her Wells Fargo High Yield Savings Account to her Wells Fargo Checking Account, both individual registration. The Bank has been unwilling to accept any form of documentation ( including notarized forms ) to complete transactions except POA with supporting incapacity certifications. We found out ( from non bank sources ) that she could complete daily telephone transfers of up to {$20000.00} and so she decided to begin that process on XX/XX/XXXX with her first completed transfer. Two days later she completed another {$20000.00} transfer. On XX/XX/XXXX she attempted to complete another {$20000.00} transfer and was told transfer is limited to {$10000.00}. After a lengthy discussion a supervisor is requested and after hearing our request, reviews accounts and explains that the initial banker said it could n't be done because the system creates a flag due to different beneficiaries and that he, as a " Leader '' is the level that overrides it. Completed the transaction and gave us the confirmation number and instructions that next time we call, immediately ask for a " Leader '' as that 's where it has to go anyway. Today we call XXXX and ask for a Leader and the woman states that " we do n't have leaders, we have managers and supervisors ''. I reference the previous day 's conversation and confirmation number and ask for a leader/mgr. Man comes on and repeats the no leaders line. We go round and round regarding the transfer request and finally we ask for his supervisor. Man comes on and when questioned as to position states he is the " remediation department ''. The next 45 minutes is spent going around and around with this man, between him saying he ca n't speak with me, to my mother on the phone making a request to him that he seemingly ignores and talks around, until she 's shaking so bad that I feel if I do n't take the phone back she 'll have a XXXX. I keep pleading with the man to simply refer to yesterday 's confirmation number and the notes that the Leader put in the file. Why I do n't know, but he obviously refused to refer to the notes and just kept putting us on hold, only to return and repeat the same {$10000.00} limit story. At one point, he even asked my mother " who are you paying a commission to? ". Frustrated, I finally asked for his mgr/supervisor. He stated that he did n't have one. I said I 'd speak to the person he reported to - his boss. He placed me on hold for at least 5 minutes and came back on explaining that he was looking for a way to do the transfer. I reminded him that I asked for his manager but he again stated that he did n't have one. Even though my mom was not on the phone most of the time, listening to the conversation and the absolutely absurdity of Wells Fargo 's customer service, it was visibly upsetting her and I finally reached the point where I told them I 'd just call the state regulators and hung up. And here we are. I do have some names and specific dates and times of the recorded phone calls if needed. Thanks.
Product: Checking or savings account

On XX/XX/2023 Marcus by Goldman Sachs contacted me via email to inform me to contact them by phone. I called them on their phone number ( XXXX ) and answered all security questions successfully. They said that they need a phone number to provide a security code and I gave them the phone number on file which I was also using to call them. They said they were unable to send it to that phone number and would not give a reason. Despite this, the app sends a OTP pin to my phone number no problem and lets me sign in with it. Anyways, they said the only thing that would let them disclose why they had told me to call them was an notarized affidavit of identity sent to me by mail. Fast forward 5 days and I still have not received the letter, so I call them again. They said it takes up to 10 days and to call them back. I asked if there was an online form I could print out instead of being sent it and they said no, despite one being available on XXXX when you search " Marcus Affidavit of Identity Form '' on their website, marcus.com. Now, 10 days after the initial phone call I am given the same routine on the phone. They tried to put in a new request for the form, but I informed them that I had called 10 days ago and the request for the form was already put in. They found the request and said it was still processing. I was told that they were escalating the issue and I should hear back from them. I have missed rent and credit card payments as a result of not being able to withdraw my own FDIC insured funds from the bank. They even accepted the direct deposit to the account from my work and won't let me access it.
Product: Payday loan, title loan, or personal loan

Just because I got myself in a mountain of debt, that is no reason for a company to take advantage of me. The company already had me into it for a large loan, then it approved another loan on top of that. They charged me interest like they are loan sharks.  XXXX  loan states that I still owe them  XXXX  I know that I have borrowed no more than  XXXX  from them. Another  XXXX  at the same company states that I owe them  XXXX  I know that I have borrowed no more than  XXXX  from them. I set up a direct pay from my bank to pay them every month from my checking account, and they still charge me a late fee every month even though I never miss payments. I am being taken for a ride.
Product: Credit reporting or other personal consumer reports

This my refilling of my complaint to EQUIFAX for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken even if I sent out so many dispute and explanation letters regarding these accounts. I have filed an FTC report which I included here with report number XXXX.
Product: Debt collection

I have been ( robo ) called everyday by " Convergent Outsourcing '' who ( once I identify myself ) stated they were representing XXXX and trying to collect on a past due bill. I explained that when I closed my account, I was told everything was in order. They insisted I owed ( roughly ) {$190.00}. I asked that they email me an invoice or provide some sort of verification. They refused. They have called me several times everyday since, and today called my ex-wife and left a message stating they were trying to collect a debt.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  XXXX Date XX/XX/XXXX XXXX  XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness.

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