23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good morning, my concern is with my mortgage balance with servicing company select portfolio. I for the last couple of months I have sent several requests to have them provide the mortgage pay history since loan origination of XXXX. The prompting is because I originally did a dispute with my credit report which reflects original principal balance of {$210000.00}. This is incorrect and hurting my credit score because it reflects my current balance {$210000.00} higher than original note. 
We purchased this home in XXXX -- there was two notes totaling purchase price of {$260000.00}. During the market crash we went through hardship and the servicer at the time XXXX XXXX XXXX gave us a loan medication that was set up to make us fail. We fought very hard to keep our house, we had interest only 1st and 2nd mortgage. After going to housing counselor XXXX XXXX XXXX XXXX forgave the second mortgage and modified the first. Shortly thereafter in XXXX the loan changed to XXXX XXXX XXXX and our loan amount was back up again and with lack of our knowledge and fear of losing our home we signed. Since XXXX we have not been late We are asking that Select Portfolio provide the payment history and how these payments have been applied. They can only provide payments dated back only to XX/XX/XXXX. We are missing payments from XX/XX/XXXX-XX/XX/XXXX. We need this investigation to make sure that our payments been applied correctly and balance is reflected. We have been taken advantage of all throughout this loan, not because of select portfolio but because of lack of knowledge. If they can not provide the history then how can the balance be reflected correctly. 

Please help us
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal info was used without my permission to open fraudulent accounts, unauthorized and unknown residenal addresses. 

XXXX XXXX XXXX XXXX XXXX : {$630.00} Date Open : XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX Equifax XXXX XXXX Funding Date Open : XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$630.00} XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$2800.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Credit card or prepaid card

In XX/XX/2017 I opened an account with XXXX XXXX and was awarded a credit limit of {$2000.00}. Since opening the account I have always paid on time and never went over my credit limit, until this summer when a contract I was working paid slow and I fell slightly behind on receiving income for 1.5 months. During that time I was only able to pay household bills and went slightly over 30 days on my Barclays card. Once my income resumed, I made a substantial payment of {$1800.00} to Barclays and paid off a few of my other cards to {$0.00} balance. Barclays accepted my payment, then without notification reduces my over credit to {$550.00} a difference of $ XXXX That not only reduced my over all credit balance but also increased my credit usage on my credit report. The balance owed was {$340.00} out of {$2000.00} ( 17.25 % usage ) to {$340.00} out of {$550.00} ( 62.73 % usage ).

I called Barclays for an explanation and they informed me they did a pull of my credit report ( not sure if that is legal ) and I was reporting over limit on another credit card NOT ASSOCIATED WITH THEM so they lowered their risk and reduced my credit limit by {$1400.00}. I did not apply for new credit and do not recall allowing them to pull my credit report whenever they want or deem appropriate.
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There is a fraudulent inquiry in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXXXXXX XXXX inquiry date XX/XX/23
Product: Debt collection

I have been trying to get this removed for a while now. I sent them a police report and they emailed me 2 weeks ago that it would be removed from my credit and it is still showing up.
Product: Debt or credit management

I paid them XXXX a month for 24 months give or take a few months
Product: Debt collection

I'll start by stating, I rarely use " XXXX '' alone on any of my credit cards or paperwork, I use my middle name or combination of my first and middle name initials. 

I have sent four letters to XXXX XXXX XXXX XXXX XXXX and one to Comenity Capital Bank regarding the collection of debt from Comenity Capital Bank. 

Received a call in spring of 2024 asking my name, I said yes, and then was attacked for not paying a credit card that was supposedly in my name. The address was XXXX, XXXX, which I have never resided. The caller was very aggressive at first until a woman took the call over and said they wouldn't call me anymore. 

Began getting collection letters from XXXX XXXX within a few months. I have written three letters to them disputing the collection for reasons listed below.

The fact that I have never lived anywhere but in Oklahoma. I have a very good credit score and pay my debts on time, should be proof enough that this is not me. 

Furthermore I have requested in each letter for the original credit application to prove that it is not me. They have yet to provide that information. 

With this on my credit report it has dropped my credit score. 
I also belive that they did a search for that name, found my social and stuck the debt to me. 

I have also reported it to XXXX XXXX, and all three credit bureaus. They continue to not look at the details and side with the collector.
Product: Credit card

I purchased an XXXX XXXX for my wife online at Best Buy on XX/XX/XXXX. I went to pick up the XXXX on XX/XX/XXXX at my local store. As part of the transaction, I traded in my wife 's old XXXX for {$230.00}. I delivered it to the store and it was accepted by the Best Buy staff after following specific instructions provided by Best Buy prior to exchanging the phone. 

The Purchase amount ( without the credit ) was {$1100.00}. The Purchase was made with my Best Buy Credit Card provided by Citi. I received my recent statement from Citi on XX/XX/XXXX charging me the full amount of {$1100.00} without the {$230.00} credit. 

I attempted to contact Best Buy Customer service and they advised that it will take up to 30 days to process my credit for redeeming my phone. I stated to the agent that my receipt very clearly states. " Once your trade-in is complete, it may take up to 7 days for your refund to be reflected on your payment method. '' When I quoted this back to the agent, he immediately hung up the phone. 

I want my {$230.00} credit applied to my Citi card. If it isn't credited promptly, I can only conclude that Citi is acting as a facilitator to Unfair, Deceptive, and Abusive Acts and practices. I followed direction provided by Best Buy and provided them with my item. I have receipt of this. Citi can't try to get out of this by putting the blame on Best Buy. If they attempt to, they open themselves up to larger problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP! Experian and XXXX is ruining my financial reputation.Experian and XXXX continues to be in cahoots together to bring harm to my reputation. Not only did XXXX sell my nonpublic information to Experian without my consent. Experian continues to report these errors on my consumer file without my consent. I have provide Experian with several correspondence they provide proof that this is an error. Experian act as if I am arm asking them is this an error. A consumer is the only one that can say what's on their file is an error which I have and provide proof. Experian has stated on their website that the third party vendor they use to verify Bankruptcy is XXXX. XXXX stated that they complain does not belong to them because they removed it. Please view attachment of once XXXX verify the accuracy of the XXXX XXXX CT GA XXXX and then after filing a FTC against them they since removed it. I have asked Experian to provide me with the name and the number of the person that they spoke with a XXXX and to no avail have they done so. Experian has a duty to report with fairness and accuracy. How has Experian been fair when they continually only speak with the furnisher. Also what furnishing of information is Experian using to verify the accuracy if the third party that they use no longer house the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account list below has violated my federally protected consumer rights to privacy and confidentialty under 15 USC 1681. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX Have 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 : 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 or any other advertise item of information, other than records of convictions of crimes of 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 of has a reasonable cause to believe that information is inaccurate.
Product: Credit card or prepaid card

I had a discover card in college. I lost it XX/XX/2015. I thought it was shut down, but there were more charges on it and it showed up on my credit report as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX, I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Debt collection

I am a victim of identity theft by a family member, who is now dead. I have written several letters to XXXX about this matter. They refuse to believe me. They hired a debt collector to come after me, and I sent THEM the information, and they sent a letter saying they did not know that I had disputed the debt, and they did not pursue me further. I wrote ANOTHER letter to XXXX with supporting documentation. I sold jewelry, and made an offer of settlement though I DO NOT owe them any money, but I just want this over. They did not respond to my offer, they just sent another letter, from XXXX XXXX of the Executive Response Unit, and she said they will no longer respond to me in any way, and they have hired ANOTHER debt collector to come after me -- Northland. I have not yet heard from them directly. I suppose that they will keep hiring collectors, or even sue me. This letter even referenced a second card number, that I never had. I am in poor health and the stress has caused several XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are showing XXXX  XXXX as 90 days delinquent in XX/XX/2020 and that is not correct. I was under the Forbearance program due to the Care 's Act. 

I have attached proof
Product: Money transfer, virtual currency, or money service

I dont know the specific dates for the past occurrences but its happened 4-5 times since XXXX where I am trading strike options on crypto.com, there is a glitch with their platform system. Most recently was yesterday XX/XX/year>. I was trying to sell my contracts while they were in the money but every time I went to close out my position, the system would not let me close out and my contracts dropped to XXXX and I lose all the money. The glitch locks the option contracts in a way where you can not sell them. Otherwise these trades would have been profitable and I would not lose any money at all. I am an experienced options trader and use this platform to earn extra cash but instead I lose it because of the issues with their apps XXXX and overall function failing to execute the simple of requests. They continue to keep saying they will help and fix the problem but its been happening since XXXX. I have talked to numerous specialists and the all failed to address the problem properly and as soon as I send them messages and evidence of this happening they completely close off the conversation and send me troubleshooting tips which do nothing to fix the problem. The continue to push things along as if they will do nothing to compensate me for system malfunction that is not my fault. I rely on everything functioning properly when trading and this is the only platform where I had something like this happen. My phone is brand new XXXX XXXX, up to date, the crypto.com app is up to date. And the weirdest thing is this Ive been trading their strike options with the take profit tool to minimize risk. Set a sell price and I should sell when the your sell price cross the threshold. Every trader uses tools like this to minimize risk. Ive been using the take profit tool on the crypto.com app. Used take profit this week on Monday, Tuesday, no issues. The tool was there appearing as a selection in the contract details as usual. Then yesterday, Wednesday XX/XX/year>, I was happy because I was about to see my trade hit its sell price for take profit of {$4.00} per contract. It hit the sell and fluctuated up and down around my sell price. I thought this is odd I have never had a trade NOT sell when it hits my target take profit using this take profit tool for crypto.com strike options. Try to turn off the take profit and it wouldnt turn off. Tryed close position big button. Nope contracts still not selling. Tryed turning my phone on and off nope didnt work. Tryed deleting their app and redownloading nope didnt work. All the while Im watching my contacts lose more and more value until finally the timer on the contracts are up and my contacts are worthless. This same senario has happened 4-5 times since XXXX when they released strike options on the crypto.com platform. Idk who else to get in touch with at this point besides you guys.
Product: Student loan

I am writing to the consumer financial protection bureau to remake a complaint concerning a matter which I previously made a complaint on in XXXX of 2015 ( complaint # XXXX ) on my private student loans. At that time I made the complaint that even though I was paying my bill, Navient was still harassing my aunt who is a cosigner on my loan and was suffering from XXXX, had a XXXX and had XXXX at XXXX XXXX and XXXX XXXX Hospital in XXXX XXXX, where she lives. She has now been diagnosed with a mass on her liver. When I complained to you and your organization, you got in touch with Navient and the harassing phone calls stopped to my aunt. I continued to make payments and arrangements as I will outline in the following but my major worry is that they have yet again started harassing my aunt. I would seriously request your help in making them refrain from harassing my aunt suffering from XXXX who is not responsible for the bill and only a cosigner. I would like her removed as I have been making the payments. 
As of right now, I had spoken with Navient and had been told if I submitted bank statements and pay stubs that I would be qualified for a program to reduce my interest rate to 1 % and my payments would be {$250.00} a month. I submitted the paperwork and they took a payment of {$250.00}. Navient left me a voicemail saying I was approved but they needed to speak to me. When I called back, they said I was not approved in complete contradiction to what I had been previously told and with the amounts of money taken out of my account. Of course no full names were given to me and they did not give me any other options. In the mean time they have taken XXXX more payments of {$250.00} out of my bank account. They have continued to call my Aunt who has been battling XXXX for years having XXXX, a XXXX and been through XXXX treatment and recently discovered a XXXX. My XXXX continually receives calls at home and at work, day and night. The last person I spoke to at Navient told me he needed to speak with my aunt to set up the program. When my aunt spoke to the man he was extremely rude and said " You can pay your bills but not us. '' That is completely wrong to say that to someone who has been paying medical bills on top of her own family matters and who is not responsible for this bill and is simply a cosigner. It can not be legal for Navient to take payments and then say I am no longer qualified for the program let alone verbally abuse my aunt on the phone. I am trying my best and have been making payments but Navient continues to break their word and not work with me and harass my aunt which I have previously put in a complaint about.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX nonstop administration insurance services notified me of a data breach and offered free credit monitoring. I placed a credit freeze on XXXX. I was not aware that I would need to place a credit freeze with Experian and XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX Illinois XXXX which is a debt collector sent me a notice of a debt owed to the state of Maryland XXXX. I have called the state of Maryland XXXX numerous times and have been unable to get information concerning this debt. I am disputing the debt with the state of Maryland because I have never taken a class there this is not my debt and I have no knowledge of the charge. On XX/XX/XXXX I sent a formal dispute back to XXXX XXXX XXXX debt collectors explaining to them that this was not my debt. I spoke with the XXXX Department of Education on XX/XX/XXXX and they re-searched and could not find anything concerning a debt for me with a national student loan information system and no account in my name nationally. I not received any information back from them as of todays date XX/XX/XXXX. I completed a dispute with XXXX on XX/XX/XXXX and received information that this was a department of Education issue. I spoke with a representative with CFPB on XX/XX/XXXX and explained the situation and was told that I needed to dispute all of this again and make a dispute separate to Experian onXXXX to XXXX XXXX and one concerning the collection agency of XXXX XXXX XXXX.
Product: Mortgage

I obtained a Mortgage through XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX a Mortgage was obtained through XXXX XXXX. The XXXX XXXX was used to refinance the XXXX XXXX. I have since paid the XXXX XXXX in full. According the XXXX Count Clerk of Court Official records a mortgage satisfaction from XXXX was never recorded. Bank of America is the current owner of XXXX XXXX. Title merger history for XXXX XXXX is as follows : 1. XXXX XXXX was bought by XXXX XXXX XXXX in XXXX. 
2. XXXX XXXX was bought by XXXX XXXX in XXXX. 
3. XXXX XXXX was bought by Bank of America in XXXX.
Product: Mortgage

I received a letter in XXXX 2020 about Covid Relief program through Bank of America. At that time, my renters were unable to pay their rent which covers my mortgage payment on my rental property. I was not given the correct information from Bank of America that this program would put my loan into forebarance. I recently tried to refinance my current home and was told I would not be able to for 12 months because of the BOA forebarance. I have tried to work with BOA to get that removed from my credit as I was not informed it was going to affect my credit. I did not need that program and now I am unable to refinance due to being mis-lead.
Product: Debt collection

I was under a payment plan for this debt beginning in XXXX / XX/XX/XXXX ; payments were taken directly from my checking account. In XX/XX/XXXX, I lost my job. I communicated this to XXXX ( the predecessor to XXXX ) monthly and advised that I was unable to make payments on this debt ( approximately $ XXXX ). I received no communications - phone, email, written, or court documents during the period from XX/XX/XXXX through today, XX/XX/XXXX. Today, I checked my bank account and it had been cleaned out - there was a debit in the amount of {$3600.00}, which was the balance remaining from my first paycheck in nearly a year. Upon reaching my bank- I assumed that there was fraud involved- they provided me with the number to contact XXXX. Apparently a writ of garnishment was filed recently with my bank, yet no service / notice / contact was made with me in advance. And, they refuse to " stop the garnishment '' despite the fact that I am now left penniless, without funds for food, shelter, or bills- the total debt is over $ XXXX. And, short of litigation or bankruptcy, I have zero options for recourse.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a timely online banking payment to my XXXX XXXX Citi Visa card ( Citi ) in the amount of {$1000.00}. On XX/XX/XXXX I noticed late fees for non-payment on my statement and I started to investigate. I checked my bank, XXXX, online banking records and verified my payment was made and sent before the deadline. I called Citi and explained that the payment was made and that I would provide confirmation. I printed my confirmation and mailed it to Citi and thought it would be resolved ; however, Citi sent me a letter several weeks later and said they never received the proof. They advised me then to fax the proof to them, My bank, XXXX, faxed them the proof. After my bank faxed the proof, two weeks later, Citi sent me a letter stating they never received the proof ; however, in the meantime, I received a letter in the mail from Citi stating they received the payment but it had an incorrect account number on it so they sent it back to my bank. Citi did not provide their " return '' of fund tracking information and the funds never showed up in my bank account. I called Citi and asked for their tracking information, return of my payment, and they could not provide. I then went to my XXXX XXXX branch and met with the branch manager who called Citibank. The Citi representative advised him to, again, fax the proof, which he did. Five days later my bank branch manager followed up with Citi and they again said they did not receive proof. Branch manager faxed again. I then receive a letter from Citi stating that they are unable to locate the money ( even though they previously admitted they received it but returned it to my XXXX banking account.
Product: Bank account or service

I have been conversing with SunTrust Bank regarding an unethical fee they charged my account. Now they are stating that they could incorrectly gave me a refund that they have to remove out of my account but I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please try to fix ny credit score. I see a lot of unauthorized charges in my account done by my late wife passed away XXXX  years ago .and inquires that I never authorized