23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I hired a contractor, XXXX XXXX company to renovate my fire damaged home in XX/XX/2019. I since fired the contractor a week after and put stop payment on two checks, one in the amount of {$10000.00} and the other in the amount of about {$53000.00}. I later found out from my bank XXXX XXXX XXXX the $ XXXX check was attempted to be deposited into the contractors bank account at PNC bank in XX/XX/2019. The check was made out to XXXX XXXX, nowhere on the check did it say XXXX XXXX or the owner of the companies name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX virginia XXXX. The owner of the company tried to deposit the check and PNC held the check pending verification because of suspicion of fraud. This was back in XX/XX/2019. The bank has still not sent the $ XXXX check back to XXXX XXXX XXXX they still are holding on to the funds. I have went into personally the brand where the contractor tried to deposit the check and spoke with the branch manager and staff letting them know the situation. The branch manger said he would send the funds back to XXXX XXXX XXXX he has not. I have called XXXX XXXX XXXX they say the check has been cashed. PNC resolutions department ( Send request inquiry to recall funds File dispute ) ( XXXX ) XXXX XXXX PNC Resolution Specialist - has asked XXXX XXXX XXXX to send a hold harmless inquiry. All this and I just need the PNC bank to release the funds and send them back to XXXX XXXX XXXX. The branch manager who has allowed this insurance check to sit in PNC for two months Is in some sort of collusion with the contractor. Branch manager, XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX I have reached out and spoke with every department and are still at square one with no resolution. Please help with any insight. 

Our home is still sitting fire damaged with added weather damaged and days go by. My husband is stationed in XXXX and I am in XXXX  trying to resolve this matter. 

Thank you! 

XXXX XXXX XXXX Check # XXXX Check amount {$53000.00} Call XXXX branch - XXXX They are holding for verification of signature- account # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  Balance XXXX - Date opened XX/XX/XXXX Unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Ally Bank due to an unjust and unauthorized hold placed on my account, which has severely impacted my ability to access my funds. On XX/XX/XXXX, I contacted Ally Bank 's customer support after discovering that my account was locked, preventing me from accessing my money or receiving any deposits, including my paychecks. This lock has resulted in late fees on my credit cards due to my inability to access my funds. 

I spoke with a representative named XXXX ( employee ID : XXXX ) and his manager, " XXXX, '' the escalation manager. Neither of them could provide any information regarding the account hold or assist in unlocking my account. XXXX informed me that it would take several business days to remove the freeze, and he refused my request to immediately close my account. 

The only resolution offered was for me to wait to speak directly with the unknown agent who had placed the hold on my account. I find it unacceptable that a single agent can lock an account without any explanation or recourse for the customer, blocking access to all my funds and transactions.
Product: Money transfer, virtual currency, or money service

It has been three years since this incident occurred. One random day The app didnt seem to work and it ask me to verify my identity, tried multiple times to do it never went through. At first it didn't allow me to withdraw money and then it said to contact them for support, never in 3 years did i get a real response back and have given up until I've seen someone with the same experience said they got helped with yall.
Product: Debt collection

I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the
Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX
Product: Student loan

Hi, My name is XXXX XXXX. I graduated from the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Degree in XXXX XXXX XXXX XXXX. 

When I signed up for the school, they told me that I could get a loan through Navient ( XXXX XXXX at the time ) but in order to do that I would need to have a co-signer on my loan. I was also clearly told that 2 years after my graduation date I would have the co-signer off my loan. It 's been 8 years no and I still ca n't get this to happen. 

- I called about 4 years ago and asked them how to get the co-signer released. The agent told me that in order for that to happen, I would need to be making consecutive payments for 1 years and then apply for a " co-signer release ''. 

- I called 1 year after ( and making payments with out fail ) and this agent told me I was mis-informed. That I needed to be making payments of X amount in order to apply for a " co-signer release ''. 

- I did what they asked again, called again a year after and now this agent told me I was mis-informed again about the payment amount, that in order to apply for a " co-signer release '' I 'd need to be making payments of about {$1700.00} a month. I broke down crying and told them they were doing this on purpose, I know they are just doing all they can so I 'm never able to have my co-signer off my loan. Do n't forget, it was suppose to be 2 years after, no one ever told me about these conditions! Not the financial adviser at XXXX XXXX XXXX, not Navient, no one. I would never have signed up for this loan if I know I would keep my mother on the hook for life. This is a true SCAM. 

- I contacted the Mass Attorney General 's office and spoke to a person in Insurance & Financial Services Division. This person contacted Navient on my behalf, and Navient told her that I wo n't be able to apply for a " co-signer release '' because my " debt-to-income ratio '' does not qualify for such. 

- Asked the person at Insurance & Financial Services Division to ask Navient how much money I would need to be making to apply for this " co-signer release ''. She called Navient and Navient told her that they do not disclose this information. That it 's proprietary information. So basically, any time I try to apply they can always say " it 's not enough ''. And in this way, they keep me and my mother slaves of their corporation for LIFE. 


I need to get my co-signer off my loan, it 's enough. 8 Years of this, I ca n't have a good night sleep knowing that even if I die or something happens to me for some reason, my poor mother who makes only enough to survive, will get slammed with my loan on top of my XXXX and will completely cripple her life even further. 


I need to get my co-signer off my loan. IT 'S ENOUGH. 

XXXX XXXX
Product: Checking or savings account

My XXXX & I, we had Account # XXXX with XXXX XXXX, by the end of 2016, my husband XXXX. And we begin the process of Declaration of Heirs. When we had the Declaration document and all the heirs were present, we visited the Bank branch, but we could not complete the process, because the declaration was missing some XXXX stamps. At that moment we asked the XXXX to process the check, take the signatures of the heirs ( XXXX of them reside outside of XXXX XXXX XXXX, to retain the check, until we came with the stamps on the declaration, but they refused this request. and said account would remain inactive ( frozen ). But the claim is that if said account is inactive and nothing could be done until we could return with all the heirs present, because XXXX XXXX  continues to make monthly charges, profiting and decreasing my funds, which belong to me. At the beginning of this process, the balance was for {$1700.00} and currently owes it for {$1000.00} ( XXXX ). By XXXX, the claim was made to the Commissioner of Financial Institutions of PR, but they told us that they did not have jurisdiction. I understand that it is not fair, that if said account is frozen, it should be for both parties, and not XXXX XXXX, profiting from my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is the first time I requested to get my credit report and when I printed it out it had the wrong date of birth. It had my births mothers date of birth. I am aware she is using it and have been trying to take care of this problem for years but there is very little I can do on my end. There are several accounts in collections because of this. And my credit and personal life is being affected by this. I already did the police report but there is little they can do as well. 
For example I had an outstanding XXXX XXXX bill that was over a thousand dollars. When I moved into my first apartment I found this out when I tried to put the bills in my name. 
Loans were taken out under my name as well and this is just the beginning of the story. I would like to personally talk to someone who can really help me out.
Product: Credit card or prepaid card

Unfortunately, I dont have all the dates but I will provide a short summary of over 12 months of me attempting to collect a credit from Barclays US . 

I was issued a refund on XX/XX/2021 from a hotel stay. When I realized the funds did not reflect on my credit card, I contacted Barclays US. The representative was unprofessional and immediately stated that I wouldnt get a full refund because I stayed at the hotel for a night. The merchant had advised, prior to check-out, that I would receive a full refund. Since then, I have reached out to the merchant and Barclays US several times to get this issue resolved. The merchant has provided a receipt that shows the refund which I faxed over to Barclay. The initial reason Barclay refused my refund is bc they were advised that the hotel stay was non-refundable. As of today, the reason I was told is some merchants will say they refunded the purchase but not complete the actual refund. This is extremely frustrating bc I have provided evidence that the refund was issued but Barclays US refuses to issue the refund to me. The most hurtful part of this all is I had to pay Barclays US in order to remain in good standing with the credit bureau! Its unfair that this company is allowed to do this to a hard working single mother. This ordeal has been a horrific experience. I NEVER wish to do business with them again! I feel like they stole from me and the company should be ashamed! I was a loyal customer but Barclays US was complete trash to me! I canceled the card today. I would also like to add, I attempted to speak with a manager, I was advised I had to wait up to two weeks for a call back that I never received. This happened twice.
Product: Debt collection

Diversified XXXX XXXX  collections is not my account and this is fraudulent and I believe ever source is part of this problems and they never even told me what it was until I investigated myself and this is identity thiefs and what a XXXX XXXX XXXX XXXXXXXX for me to fix I did starte a police case working with XXXX XXXX  in XXXX XXXX XXXX Im hoping this XXXX is hard to believe these collections get away with this
Product: Credit reporting or other personal consumer reports

XXXX has violated consumer law XXXX ( b ). At this moment I am not able to leave my home so I decided to dispute online. XXXX immediately locked me out. I called verified my identity and they are saying I will only be able to dispute by mail but they are not willing to giving me access to the portal to get an updated report to be able to dispute properly. Please see attached documents and consider this. They should be ashamed for hindering consumers from exercising their rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiry on my Equifax credit report that I dont recognize and I never applied for any products or services with XXXX I dont have a XXXX. Please remove from my credit report
Product: Student loan

Ever since I have been working with Navient when it transferred from Sally Mae I have never been able to get a forbearance and to this day have failed to get a low income driven payment.

I have tried many times via fax mail or with the phone app. And still either missing a page or never received.

After graduating XXXX College in XX/XX/XXXX I was unaware of the debt I would have. Continuing my education at another private school as XXXX  College recommended .. I am now {$75000.00} in Debt. Thanx to high interest while I was still a student and thanx to Navient destroying my credit report, I have tried working with them to get help as I was denied my private loans I was approved at our local XXXX college due to my high debt. But I need to finish my education. Navient has made it impossible to work with, calling me at weird house, unable to get through there automated system, then unable to get forebareance. Never had this problem with XXXX XXXX. I need help as my students loans are becoming even more maxed out. I barely work as I have to take care my family I should be getting my education but I cant because of all this interest that is eating away my educational enlightenment.

Please help XXXX College was a fraud. Although they didnt get in trouble until XX/XX/XXXX. They acted the same way probably since its foundation. High interests, talk students to go to private school and never had life long job placement. They lied. They are no longer and I feel my degree is worthless. Navient refuses to listen or help mediate my frustrations. {$75000.00} debt. I am a mother of XXXX and stuck with my associates. Help!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off reported by XXXX XXXX XXXX  XXXX on my credit report. The account in question is account number XXXX. I believe this information is inaccurate and incomplete for the following reasons : Upon reviewing my credit report, I noticed discrepancies in the reporting of the charge-off. The reported date of the charge-off, the account balance, and other related information appear to be incorrect. These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and complete. 

The balance reported by XXXX XXXXXXXX XXXX XXXX  does not accurately reflect the actual amount owed. This inaccuracy may stem from incorrect calculations, fees, or interest charges that were improperly applied. I request that the account balance be thoroughly reviewed and corrected. 

I have previously requested validation of this debt from [ XXXX XXXX XXXX  XXXX , but to date, I have not received adequate documentation proving that this debt is valid and that I am responsible for it. Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proper validation of any debt reported on my credit report. 

The circumstances leading to the charge-off were exceptional and involved situations beyond my control. Despite my efforts to communicate with XXXX XXXX XXXX  XXXX to resolve the matter, they failed to offer any assistance or reasonable accommodation. This reflects unfair reporting practices that have unjustly impacted my credit score. 

Based on the points outlined above, I request an immediate investigation into the accuracy and completeness of this charge-off entry. If the information can not be verified or is found to be incorrect, I request that it be promptly removed from my credit report. 

Please provide me with the results of your investigation in writing. If any changes are made to my credit report as a result of this dispute, I request that updated copies of my credit report be sent to me. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution and confirmation that this inaccurate entry has been addressed.
Product: Credit card or prepaid card

Home Depot purchase washer and dryer on XX/XX/XXXX NO interest for 12 months ending XX/XX/XXXX. Faithfully made monthly payments and remitted final payment of {$300.00} toward promo balance due of {$210.00}, remaining XXXX to second promo beginning XX/XX/XXXX for water heater purchase {$1500.00}. 

Eagerly awaited next bill to record this transaction paid in full and to my dismay was charged {$230.00} interest!! 

Immediately contacted Home DepoXXXX and was told that because of the way payment had been allocated there was no way to correct. Not understanding what had happened, I was very confused and upset. Asked to speak to supervisor 's boss who was not available and was given a message to call me. Never did hear back so attempted to resolve by calling on XX/XX/XXXX and was again told that this was not THEIR mistake and ; therefore, couldn't be fixed. 

I am a senior citizen on a fixed income yet offered to pay entire second promotional balance in full. I understand that is not satisfactory without paying adjusted interest? 

Today, I have submitted a payment for {$1400.00} less interest charges. 

Note after submitting this payment, I check payment activity and a screen popped up with " allocation '' information. It is extremely confusing and easily misunderstood. After reviewing, it would seem the account holder is directing Home Depot to make additional payments to other promo balances and why would that be necessary? I would appreciate your thoughts. I believe the rest of the consumer public needs to be made aware. ( Unfortunately, could not locate this again to attach for your own review ) Thank you.
Product: Mortgage

I am a XXXX XXXX XXXX XXXX XXXX veteran and I was XXXX  with severe XXXX for approximately 30 days, in XXXX 2022. Upon my release from the hospital and after my recovery, I experienced a financial hardship. 

I reached out to my mortgage company, 21st Mortgage several times in the months of XXXX - XX/XX/2022, for assistance due to my financial hardship from my XXXX XXXX but was not extended any assistance or options. 

The mortgage company continued to harass me and threaten me with foreclosure. 

I reached out in XX/XX/2022 to the Indiana Housing Assistance Fund ( INHAF ), that was put into place by the CARES Act to assist homeowners who had been effected by XXXX. 
INHAF application # : XXXX ; INHAF appeal # XXXX ( submitted XXXX ). 

The INHAF denied me any assistance. Did not receive the notice of denial and the steps to take to appeal until it was beyond the window to appeal. 

I feel that the denial of assistance from both my mortgage company and the INHAF was discriminatory and unfair. 

My complaint is against my mortgage company, 21st Mortgage and against the Indiana Housing Assistance Fund ( INHAF ) Your assistance in this matter is greatly appreciated. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Email : XXXX Cell : ( XXXX ) XXXX
Product: Mortgage

The borrower has XXXX mortgages secured by her home. The first is serviced by Green Tree and the second is serviced by XXXX XXXX XXXX. The borrower defaulted on both mortgages in XXXX 2013, after her husband passed away. Soon after she defaulted, the borrower submitted a modification application to Green Tree. By letter dated XXXX XXXX, 2013, Green Tree offered the borrower a Trial Period Plan for a XXXX Loan Modification. This trial period plan commenced with an XXXX XXXX, 2013 payment of {$2200.00} and ended with a XXXX XXXX, 2013 payment of {$2200.00}. After the borrower successfully completed this trial period plan, Green Tree offered the borrower a permanent loan modification agreement. The borrower signed the permanent modification agreement on XXXX XXXX, 2013 and Green Tree signed the agreement on XXXX XXXX, 2013. Since this time, the borrower has been current on her XXXX lien mortgage loan. 

The borrower is now attempting to modify the XXXX lien mortgage loan, which is serviced by XXXX XXXX XXXX, a participant in the XXXX Lien Modification Program ( " XXXX '' ). During the application process, the borrower provided XXXX XXXX XXXX with a copy of the permanent loan modification agreement executed by Green Tree and proof that she is current on her first mortgage. The borrower then requested to be evaluated for a " XXXX '' modification for her second lien mortgage loan, because her XXXX lien mortgage loan had received what appears to be a XXXX Standard Modification. After conducting its review, XXXX XXXX XXXX informed the borrower that Green Tree had not properly reported the first lien mortgage loan modification to XXXX. Consequently, XXXX could not provide matching information to XXXX XXXX XXXX so that XXXX XXXX XXXX could then extend the borrower a XXXX modification. The borrower then mailed Green Tree a Notice of Error, explaining the aforementioned error, and requesting that Green Tree properly report the loan modification to XXXX so that the required loan information is accurately reflected in the XXXX database.