23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When I was incarcerated XX/XX/XXXX I had a power of attorney contact all my creditor accounts for me stating I was only able to afford at most minimum payment each month. I when I was released XX/XX/XXXX and the pandemic was in full effect with mandated mask and boundary laws I could not work. My upholstery shop suffered and faced shut downs. I paid XXXX XXXX bank as much as I could each month although jobless and was only using the card in emergency pleading for some kind of deferment or grievance program. Denied by XXXX XXXX any type of help I became overwhelmed with the balance and amount of interest. My account was sold and the owner of the debt is now demanding a still greater amount calculated by only interest charges on this account. I have been threatened to be taken to court when I tried to explain that I am a victim of a national disaster and still remain jobless. I've lost everything including resistance. My credit is keeping me from any chance of recovery. The creditor is now reporting derogatory weekly to damage me more. When I sauhgt out help from credit burrow to dispute that was denied as well.
Product: Debt collection

XXXX XXXX XXXX was totaled on XX/XX/XXXX. According to XXXX, they acquired the vehicle on the XXXX of XXXX and sent funds to Hyundai Motor Finance in XXXX of XXXX. XXXX didnt accept the funds until XX/XX/XXXX which led to a per diem amount that needed to be paid off of & 188. I was not informed of that smoking and the insurance company sent the correct amount to XXXX. However, XXXX not accepting the funds for two months left a remaining balance that I was not aware of. Information was not sent to the correct address and I was not informed via email nor telephone. I now have a charge off of an auto loan on my credit which is stopping me from buying a house. I need this resolved immediately. Please help. XXXX as well could be involved with blame, as the amount for the car was more than what I owed on the vehicle.
Product: Credit reporting or other personal consumer reports

I have been requesting for things to be deleted from all 3 credit bureaus since last year & they havent responded or even updated my credit details. Its costing me time & money. Im a victim of identity theft & even with the police report & all supporting documentation that Ive submitted. All 3 bureaus ignore me. Even up to this day I have to be paying for an credit lock & even with that credit checks are still being done this is very frustrating & I need to resolve the whole situation. Even my address & name is incorrect. As you can see its been going on since last year & im not getting any help from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau has been reporting inaccurate information. I have reached out to them and the creditor  XXXX   XXXX . This account is very embarrassing and has caused me miles of  XXXX . The account is reporting neg. and late in which I have paid the account off in full. I am aware that if all of the information is not reported correctly then this account needs to be removed.
Product: Vehicle loan or lease

XX/XX/XXXX : I purchase a new XXXX XXXX from a local dealership ( XXXX XXXX  ). I finance the balance of my loan though Toyota Financial Services ( approx XXXX of $ XXXX total ) XX/XX/XXXX : my XXXX  account is set up online, and I set up autopay of {$760.00} per month AS LONG AS there is a balance owed to XXXX  ( per the contract ) XX/XX/XXXX : I come into a extra money and decide to pay off the loan amount. Their website is LESS THAN FRIENDLY when it comes to making ONE TIME PAYMENTS. I post the payoff amount ( approx $ XXXX ) and XXXX  refuses to take it. I contact XXXX customer service. They FAIL to explain things the first time I called. I call back and it seems ( after I figured it out ) that only {$4900.00} can be taken as a ONE TIME PAYMENT. Since I owed over $ XXXX, from XXXX XXXX I made four ONE TIME PAYMENTS of {$4900.00}. That left my payoff amount on XXXX XX/XX/XXXX of {$1800.00}. I make one final ONE TIME PAYMENT of {$1800.00} ( enough to ensure its paid off ) on XXXX XX/XX/XXXX. THEN, they STOLE ANOTHER AUTOPAY of {$760.00} AFTER the PAYOFF AMOUNT had been posted XXXX XX/XX/XXXX : I received in from the USPS a check from XXXX  for {$13.00}. WHERE IS MY TITLE? WHERE IS THE {$760.00}? THESE CRIMINALS HAVE STOLEN MY MONEY AND REFUSE TO SEND IT AND MY TITLE TO ME.
Product: Debt collection

Midland funding purchased my debt from XXXX XXXX XXXX in which I paid off I never had an account with midland funding which is a third party debt collector that buys debt for as low a {$1.00}. They have no proof that I ever had dealings with there company they are reporting false information to the credit bureaus
Product: Credit card or prepaid card

With a good credit score of XXXX, I applied for XXXX XXXX XXXX XXXX XXXX " XXXX XXXX '' balance transfer card with the intention of using its advertised balance transfer feature. 

The card is advertised at this URL : XXXX : XXXX? XXXX & XXXX From that link you can see the boxes that I filled out : they include basic demographic information, XXXX, annual income, and a box that says " I'm interested in a balance transfer '' - which I selected. 

Radio silence for a few weeks with no emails in my inbox. I called to check on my application after a week and it was still pending. A week later, I called and was told that my card had just been mailed to me with a {$600.00} credit limit. Surprised, I asked what happened to the balance transfer - I was expecting that to be defined before the card application was complete. From a perspective of common sense, {$600.00} is not a reasonable amount for any conceivable balance transfer. I am left to think that there is a missing field on the form, and my application was processed carelessly or negligently. 

When I called, they told me they were unsure about what I could do about the balance transfer, but that I could request a higher balance, which would be yet another hard pull on my credit. Over the phone, I consented to another hard pull on my credit to increase the balance limit to something that would be reasonably useful for the advertised balance transfer feature. Just now, I called back and have been told I was declined because my account hasn't been active for 6 months yet. This obviously makes the balance transfer unusable, since only 18 months are held at 0 % APR. Consequently, I have been forced to close the card having never even activated it. 

I have no idea how these two hard pulls on my credit - one resulting in a decline- have affected my XXXX score. I feel like this whole interaction has been disastrous. Emails from XXXX XXXX XXXX come into my Spam inbox under the generic name " cardholder services '', and the underwriting phone support, when I have called, have not budged beyond their stock justifications for the likely erroneous {$600.00} credit limit.
Product: Bank account or service

Navy Federal Credit Union reported my loan late to credit bureaus when it was their late fees & interest that is charged after 10 days. Due to unemployment the monthly payments have been more than 10 days late. However my loan has NEVER been 30 days late. Initially the total in late charges & interest was {$400.00} and I have paid down to a {$190.00} balance and this is the balance they are reporting. I was granted a signature loan for which the last payment was due XXXX/XXXX/15. I made the last payment in XXXX and the principal is paid off. At the time of the loan my credit score was XXXX. The reporting of these late charges & interest, after the principal has been paid, is detrimental to my credit. 
The credit union has also taken money out of my account and has a hold on my savings account for these charges although I have explained the circumstances and that I can not pay the remaining late charge balance at this time. I do n't understand why they are still reporting the late charges when they have the hold on what 's due them.
Product: Checking or savings account

Good morning, On XX/XX/2021, I visited a Chase Bank branch in XXXX XXXX to initiate a wire transfer of XXXX USD to my USD Brother 's account in XXXX. As per Chase 's policy, I was supposed to be charged {$50.00} for the wire transfer. Therefore, the transfer is actually from USD account in the USA to another USD account in XXXX. 

The funds were supposed to be available on XX/XX/2021 in my brother 's account in XXXX. Nevertheless, it was delayed for unexplained reasons. 

Around XX/XX/2021, I received an email and a call from the banker in XXXX XXXX asking me for additional information. I provided everything as required. 

On XX/XX/2021, I received an email informing me that the wire transfer has been executed. 

On XX/XX/2021, it was confirmed by my brother in XXXX that he received the money, HOWEVER, NOT THE FULL AMOUNT. 

He only received {$9500.00}. Obviously the XXXX bank also deducted {$17.00} of incoming wire fees ( which is totally okay ), but why did my brother receive a way less amount than what he should receive? 

He was supposed to received {$10000.00}. He only received {$9500.00}. There is a shortage of {$450.00}. 

It does seem that Chase did a conversion to XXXX Dollars before sending out the money and then the XXXX bank did another conversion to American Dollars in order to deposit it into my brother 's account. However, I NEVER ASKED THE BANKER OR THE WIRE DEPARTMENT AT CHASE TO DO THE TRANSFER IN THIS WAY. 

I asked Chase to transfer {$10000.00} ( Which is a USD account ) into my brother 's USD account in XXXX. He should receive {$10000.00}, and not {$9500.00}. 

I require a full investigation in this wire transfer. I've already contacted the banker responsible for that, but it does seem that Chase doesn't want to resolve that issue. Therefore, I am reaching out to the feds to help me resolve this issue and protect my rights and my money as a consumer and a law abiding citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Howdy. I check one of my three credit reports every four months. For, I'd guess, the last six or eight years, Every. XXXX. Time. I try to get my report from Experian, I get a message like " A condition exists that prevents Experian from being able to accept your request at this time. '' I've never had any trouble whatsoever with either of the other two companies. To be fair, the one time I requested my report via snail-mail, Experian did send it, but I want to avoid the trouble and expense of snail-mail. 

It's hard for me to believe that Experian is acting in good faith. Please kick them. Hard and repeatedly. 

Thank you.
Product: Mortgage

At the suggestion of the New York Department of Financial Services, I am filing a complaint against Chase for arbitrary and capricious denial of Loan Modification relief in violation of Chase Bank Settlement decree entered into NYS Department of Financial Services Settlement Agreement, XXXX Consumer Protection. After 60 days of processing loan relief documentation, the only offer given to me was to sell my property. Lastly, I just received notice from Chase stating I have reached the end of my fixed interest rate period and they now have the right to adjust my interest rate as they seem fit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on X/X/17 sent me a letter from the District Manger Stating a {$0.00} balance on my account. 

There are other issues at hand showing late days of 180 days if you look at the dates by XXXX and the dates it makes no since and the Letter dated X/X/17 and its late when the account was closed out so how does the account run that many days late. 

My next issue XXXX XXXX was serve 3 letters to pick up the lease Furniture and did not answer after I call and sent certified mail to close out the account. I have all the Reg Mail from the post office in which they never replied back until I had to go to an attorney about the problem. 

There is no balance on this account I have the letter from the District Manager for XXXX XXXX  regarding the Situation and they have me listed at XXXX and And Experian as a Charge off balance in which there is no balance nor a charge off. The account is inactive as stated by the District Manager. 

I have tried several times to resolve the issue with them on the matter. 

There is no balance owed as stated by the XXXX or  Experian
Product: Mortgage

XXXX told me to let my mortgage get 2 months behind to get a modification instead of refinancing to remove my exhusbands name. Up to that point my mortgage was on time every month with additional payments. XXXX gave me the modification I made 2 payments on time in XXXX the 3rd payment they cashed but did not apply until XX/XX/XXXX so the modification became void. Servicers changed to XXXX XXXX XXXX then XXXX  each time I applied for the modifications I was approved, ( making the payments was never an issue ) But the modifications were numerous documents sent some lost reapplying for every servicer more lost payments. I requested a breakdown of my account since payments were never applied to the principal all I received was a print out of dates and amounts when I questioned where the Journal entries debiting the credits for payments were applied I was told that they did not have those records The balance was what I owed. I requested this from every servicer. The last modification was approved in XXXX of XXXX 3 days before XXXX XXXX had their attorney file the foreclosure judgement. I have been trying for 10yrs to just have my mortgage principal be the correct amount and make the payments on what I owe. Instead of letting me do that the banks and servicers seem intent on evicting me a single mother out of her home. My mortgage was {$120000.00} with out the missing money applied the value of it is {$460000.00}. I believe it is because they want the extra money because I am a single mother and because of my ethnicity. Or why would XXXX consistently tell me they were considering a modification even after the Judgement only to deny it because it was to much in arrears or because XXXX was to close to the XXXX sale date. This is the discrimination that is consistent with Banks and unjust.
Product: Mortgage

To whom it may concern, I am responding to the findings from my request to dispute my credit report and wish to address the OWEN LOAN SERVICES and HOMEWARD RESIDENTIAL. 
In the enclosed documents you will find in my Divorce agreement ( Encl. 1 ) file in XXXX, XXXX County, Florida Case # XXXX Division No. XXXX signed and agreed on the XX/XX/XXXX page XXXX & XXXX Real Estate located XXXX XXXX Florida was signed over Quit Claim Deed XX/XX/XXXX. ( Encl. 2 ) which states she is responsible for all taxes mortgage and interest thereafter. I turned over the loan in good standing. 
I question the existing mortgage that I have no idea maybe she refinance and without my consent use my name. I am unable to question the mortgage company because they state I have no authorization. Then why is it affecting my credit? I wish no harm or charges against her just wish this be removed from my report and all future actions be blocked for my protection. I work for the federal government that requires clearance and previous law enforcement which required integrity in the personal issues. 
Please review the enclosed documents and advise further action required. Thanks, your attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax it kept asking me wrong questions and this is one services I can not get into and correct and it tell me start over And XXXX I can't get into my account I paid for and I disputed the services and never returned my money from bank
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I WAS AT THE GROCERY STORE AROUND XXXX XXXX. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX # XXXX OPENED : XX/XX/2022 AMT. XXXX XXXX XXXX # XXXX, XXXX OPENED : XX/XX/2022 AMT. XXXX THE FOLLOWING INQUIRIES ARE ALSO FRAUDULENT : XXXX XXXX XX/XX/22 XXXX XXXX  XX/XX/2022
Product: Credit card

I dispute this report for more than 5 times and claiming there are many errors in this report with this account, company only reposed with confirmed, no solution.This is a violation against Fair credit act.I
Product: Credit reporting or other personal consumer reports

In my credit report, there are three accounts that belong to a different collection agency than the one I first signed with. I did not initially sign for either of the two accounts under the collection agency XXXX XXXX XXXX. The account with the {$890.00} balance and the account with the {$760.00} balance belong to a different creditor, and I had no idea that my information was being shared, much less sold, to them. The third business, XXXX XXXX XXXX, is charging me {$110.00} ; I haven't signed a contract with them either, and they have access to my debt and data without informing me.
Product: Mortgage

My adjustable rate mortgage increased and I have no problem making the payments, as my FICO score is greater than 803 and I have plenty of money. 
My problem is twofold : 1 ) the statement I received is misleading ; and 2 ) the " customer services '' practices of this company is deceivingly a sales gimmick. 
Ditech maneuvers to first sell re-finance packages immediately AND before it transfers me to the customer service center to discuss why it held in suspense over {$1200.00} I timely paid toward my mortgage, while simultaneously claiming I owed twice the monthly payment by XX/XX/XXXX, else I would AGAIN be charged a late fee of {$63.00}. 
Ditech immediately answers their phone ( which is the only number posted on their statement ) to sell refinancing and homeowner 's insurance. Only after they 've pushed their refinancing sales on customers are we then transferred to " customer service '' and then we have to " press 1 '' to not have to go through this process again, but to instead have the privilege of holding on the line to discuss the issue regarding which we called. Having pressed " 1 '' so as not to have my call dropped, I held for over 10 minutes to wait for " customer service '' to attend to the issue. The issue was resolved by me paying the late fee of {$63.00} and the increased adjustable payment of {$67.00} ( to add to the {$1200.00} which was " funds in suspense '' ). 
The statement is misleading. It claims I owed {$2600.00} by XX/XX/XXXX, which does not give me credit for the {$1200.00} I already paid and which they acknowledge receiving ( yet held the funds in suspense ). The statement SHOULD have said I owe {$130.00} ( {$63.00} in late fees and $ {$67.00} representing the balance due on the increased adjustable payment to make my {$1200.00} payment whole. ) Once I worked this confusing billing statement out, I wondered what happens to the elderly and " little guys '' who do n't have the time or resources to navigate through Ditech 's sales tactics, holding the line ( have to press 1 not to have the call dropped ) and persevering to get the correct balance due amount articulated so the money Ditech already received is applied to my payment? 
While I was thinking this out loud on the phone with the " customer service '' person, she had the audacity to ask me if I 'd like to buy homeowner 's insurance -- clearly a " canned pitch '' she was required to ask as part of her concluding the call. 
I know there are worse companies out there than Ditech, but these processes and practices that Ditech now has in place are predatory and justify the existence of the CFPA, assuming the CFPA is cost effective in regulating this kind of behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting actI 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
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update the account to XXXX XXXX and send me a copy of my updated credit report. 

I provided bank statements that verified that XXXX Account # XXXX was never late and the late reporting for XX/XX/XXXX and XX/XX/XXXX are completely inaccurate. 

XX/XX/XXXX, the billing cycle closed on XX/XX/XXXX with payment was due on XX/XX/XXXX ( REFERENCE XXXX STATEMENT ). A payment of {$64.00} was made on the account for the month of XX/XX/XXXX on XX/XX/XXXX ( REFERENCE XX/XX/XXXX STATEMENT ). 

XX/XX/XXXX, the billing cycle closed on XX/XX/XXXX with payment was due on XX/XX/XXXX ( REFERENCE XXXX STATEMENT ). A payment of {$65.00} was made on the account for the month of XX/XX/XXXX on XX/XX/XXXX ( REFERENCE XX/XX/XXXX STATEMENT Pg. XXXX ). 

The late reporting for XXXX  Account # XXXX XX/XX/XXXX and XX/XX/XXXX are completely inaccurate and need to be updated to PAID/NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.