23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$9500.00} Date Opened : XX/XX/2007, XXXXXXXX XXXX XXXX XXXX Balance : {$47000.00}, XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/2007
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Cred! Reporting Act ( XXXX XXXX XXXX ) ( XXXX ), has vielated my rights. 15 U.S.C 1681 secton 602 A. States I have the right to privacy 15US.C 1581 Section CO4 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I made the same mobile deposit I make every week for my payroll on XX/XX/2023 before XXXX to Citizens Bank . My payroll check is drawn off the same bank as my personal account and is usually available the minute I make the deposit. The bank however put a hold on my check and are not releasing my funds. In the meantime, payments for my house and school taxes went through and my account is negative while they are holding my money. Their policy states a one day hold, and if there is a 2 day hold {$220.00} will be released the following business day, which is today. Yet, they are saying there is nothing they can do about it and it won't be released until Tuesday XX/XX/2023. I have spoken to local office, back office and back office supervisor. They gave me case # XXXX and expect to have a response in 1-2 business days, which is after the check will clear.
Product: Debt collection

Santander and XXXX are both reporting negatively on my credit bureaus for the same account just different amounts. They are either closed or charged off but show a balance. I was told this is considered Double Jeopardy and have attempted to dispute with them through mail and one account has updated the last payment date to this year when the actual last payment was in 2018. North of these accounts are impacting me negatively greatly. Im assuming Santander is retiring the amount prior to auction and XXXX is reporting after auction. Could you please assist?
Product: Credit reporting, credit repair services, or other personal consumer reports

the company involve system pull your credit when they state on there site it doesnt affect your credit to pull or check for a credit card or loan
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up complaint in line with my previous complaint dated XX/XX/XXXX. I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items due to their erroneous status. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Also have my mail going to other addresses or packages going to other addresses l requested for it be remove or updated and they refuse out right!!! Still have this problem
Product: Mortgage

I filed a complaint with the CFPB on XXXX/XXXX/15 concerning trouble I am having with my loan servicer, Ocwen Loan Servicing. In it, I detailed many problems I am having with their latest loan modification offer and gave reasons why it is totally unacceptable. ( Case number : XXXX ). Their loan modification gives me until XXXX XXXX to make my XXXX payment, but in their response to my complaint, they say they will not respond to it until XXXX XXXX, and to check back in as many as 60 days to see their response. As you can see, this is a problem, as in my complaint I have asked Ocwen to reconsider these XXXX terms and unsustainable monthly payment amount to something that is more reasonable. If they are unable or unwilling to respond to my complaint in a timely manner, than I ask that Ocwen extend the time for me to make my XXXX payment until XXXX XXXX, which is the same amount of time they are saying in which they will get around to responding to my complaint.
Product: Vehicle loan or lease

HONDA FINANCIAL SERVICE CHARGE OFF MY VEHICLE AND THEN SOLD THE ACCOUNT TO A THIRD PARTY THAT IS ILLEGAL CAUSE I NEVER GAVE DAYBREAK XXXX XXXX TO TAKE MY CAR AND I DID NOT GIVE HONDA FINANCIAL SERVICE TO GIVE MY INFORMATION TO ANYONE THAT RIGHT THERE IS IDENTITY THEFT IT IS LEGAL TO REPO MY CAR 15 USC 1692 F ALSO I WAS NEVER NOTIFIED OR GIVEN AN AUTHENTICATE LETTER STATING ANYONE WAS GOING TO REPO MY CAR. USC 9-611 STATING THEY WERE SELLING MY VEHICLE THERE WAS NOTHING SENT. ALSO WHEN MY CAR WAS TAKEN I HAD MONEY INSIDE THE VEHICLE WHERE DAY BREAK TOWING STOLE AND RANSACKED MY WHOLE VEHICLE.
Product: Mortgage

My name is XXXX I had a mortgage thru XXXX contract on a mobile home because of having XXXX illness I was out of work for a couple of months and had fell behind on my house payments and lot rent. When I got back to work I had gotten my lot rent caught up and had called Greentree who bought out XXXX andXXXXXXXX had offered to pay {$500.00} for three weeks and I would have been up to date on my house payments, but they refused the money offer so they broke the contract. And now a company called ditech has taken over the account and is trying to collect the money that is left owed on the trailer which I do not live in cause they would n't accept the the money and me and my wife had to get out. The trailer was sold to another party. I had told ditech what happened and told them to go after Greentree. They will not leave me alone. Account number is XXXX right now I am on social security XXXX and on state XXXX for the insurance I 'm in XXXX. I had my XXXX. And last month I had to have XXXX. I wish for ditech would go after Greentree they broke the contract not me, and I am not paying for something that I do n't have anymore.
Product: Credit reporting or other personal consumer reports

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Injustice anywhere is a threat to justice everywhere! THIS IS A RESUBMISSION OF A COMPLAINT THAT WAS NOT FULL COMPLETED! PLEASE BE ADVISED ... This complaint is against Bank of America, N.A., and XXXX, XXXX. Both financial institutions ' were given ample notice pertaining to Social Security Trust Account and to cease all deductions until further notice. Both institutions proceeded collections with prejudice and malice. On XX/XX/2019, regarding an allege debt in the amount of {$2200.00} respondent 's received a Dunning letter from legal entity concerning an alleged financial obligation owed to Bank of America.. Bank of America is where this issue all began. Bank of America was issued a Private International Remedy/Offer of Performance/Conditions Precedent Instrument ... Early on, I issue Bank of America a Notice of Presentment back in XX/XX/2019, in which I never received an answer from their Texas branch bank. The total sum of the complaint is {$2200.00}. The next complaint is against XXXX, XXXX, whom chose to continue debiting Social Security Trust account after receiving a Cease and Desist Notice on XX/XX/2019. Their continued harassment over the phone and predatory lending practices have placed the legal entity in evictions notice, due to their continued pursuit of a debt not owed. We respectfully ask for your intervention in these matters and assist in the return of all funds back to legal entity 's ' account ...
Product: Consumer Loan

My identity was stolen and an unidentified person has my personal information. This unidentified individual has purchased a vehicle at XXXX in Indiana under my identity.
Product: Mortgage

I spoke to XXXX in the re-entry team on XXXX XXXX and he advised Wells Fargo will not open a modification review because it is 3 years past due with a previous modification review decision. The home owner has had a change in circumstances. The previous review was denied with a monthly gross income of {$2600.00}. The income has increased to a gross amount of {$3300.00}. This makes the homeowners debt to income ratio 34 % and a monthly surplus of {$350.00}. This homeowner has never been modified and can now afford her monthly payment. There is a foreclosure sale date of XXXX/XXXX/16 and needs a proper modification review.
Product: Mortgage

Wells Fargo placed me into a Covid-19 forbearance program, with the promise to place any missed payment on the back end of the loan. Even though I was in forbearance some payments were made. The forbearance ended in XX/XX/XXXXand payments resumed. However, this past Friday ( XX/XX/XXXX) I received notice that on XX/XX/XXXX foreclosure proceedings would begin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft XXXX XXXX, XXXX, XXXX, has fraudulent accounts on my credit profile that needs to be removed immediately.
Product: Vehicle loan or lease

my car got reposed today XX/XX/year> without my knowledge i am mot behind on any payment or anything they told me i need to pay for {$530.00} is due on your loan for XX/XX/XXXX to bring you current and then {$600.00} for the repo fee and then I can release your car immediately. 

I will get a formal letter to you via email and in the mail later today this is illegal seizure that they did
Product: Checking or savings account

Starting XX/XX/XXXX I started getting monthly maintenance fees for 25  dollars against my checking account. Another one showed up XX/XX/XXXX. I have met the requirements for balance minimum according to the terms I originally agreed to. Those terms have not changed and my bank is stealing {$25.00} from my checking account each month. They removed 2 but now another one has shown up on XX/XX/XXXX. So Bank of America feels it appropriate to steal from its clients. I want double my money back just for the inconvenience. They make it near impossible to resolve the issue when calling in forcing you to repeatedly say customer service to get past the bot. They make it hard for me all the while they should be fixing the problem for me!
Product: Prepaid card

As a user of the Cash App platform, I have observed that there are multiple entities involved in this agreement, including Cash App, XXXX XXXX and Block Inc. ( formerly known as Square Inc. ). The agreement encompasses both the Cash App Terms of Service and the Cash App Prepaid Card Program Agreement, with the Cash App Prepaid XXXX Card being provided virtually or physically by XXXX XXXX  as a partner. There are inaccuracies of insured deposit being charged by Cash App Services during purchases on a prepaid card program FDIC insured on the balance with in the Cash App. 
One area of concern is the delineation of responsibilities and liabilities among the involved parties. It is noted in the agreement that XXXX XXXX is not a party to the Cash App Terms of Service and holds no responsibility or liability for the Cash App Services. However, in the event of any inconsistency between the agreements, it is stated that the Cash App Prepaid Card Program Agreement shall govern and control aspects such as the Account, Card usage, and the relationship with the Bank. Cash App balance is FDIC insured through Cash App 's other bank partners. This redundancy raises questions regarding the clarity and coherence of the FDIC insurance coverage provided for Cash App balances. This has been occurring ongoing service fees and penalties since XX/XX/2020 to current XXXX XXXX
Product: Credit card or prepaid card

1. On XX/XX/XXXX I purchased XXXX XXXX XXXX shoes from a website ( XXXX XXXX XXXX  ), which I do not see online anymore ( scam ), and I was charged {$110.00} for the shoes and {$1.00} for Foreign Transaction Fee. The website said that the will be shipped within 2-4 business days. 
2.  On XX/XX/XXXX I looked up the website again and their phone number to cancel the order since the order was never shipped, but they have no phone number to call. There was an option to send a message, but when I tried the message wouldn't go through and was keep on getting an error message. 
3. On XX/XX/XXXX I called my Fidelity Investments Card to dispute the charge. I explained all that, but they insisted on sending me a letter I needed to fill out and send back to get the credit. In the meantime, they gave me a credit for the amount, but they charged it again on XX/XX/2019. 
4. I have never received the letter from them to explain what happened, so I called them and I asked why my card was charged again, and they said it is because they never received a letter of explanation. I told them that I never got it, so they asked me to reiterate again what happened so they can fill out that form at their end. After that, they said nothing else is needed and they will reopen the dispute and that someone else will call me. No one called me about reopening the dispute. 
5. A week later I called the dispute department again and they told me again that they are working with the merchant to have that resolved and someone will call me, but again no-one did. They just give me the run around for more than a month and do not want to resolve this issue.
Product: Student loan

In XXXX of 2015 I contacted Navient to discuss income-driven repayment options with them so that I could afford my student loans. They suggested the income-based repayment option and told me that as long as I paid on time each month, that in 20 years the loans would be forgiven. When I called today to see if I could tweak my loan payments, they told me that I should apply for a Revised Pay As You Earn Repayment Plan and that the income-based plan I was in is actually a 25 year plan, so that my four years of on-time payments were basically nullified and this would reset the 20 year clock. I asked why this was not conveyed to me, and the representative just apologized and said this was my best option.
Product: Debt collection

There is a company Santander that is reporting I owe XXXX which is inaccurate. This is a very old account that was in a flood and insurance paid. I have disputed ask for validation and nothing has been received. Please help
Product: Credit reporting or other personal consumer reports

I have multiple medical collections on my report where it's older then XXXX and has been sold numous times and the credit reporting company refuses to remove it from my report and just say nothing changed
Product: Credit reporting or other personal consumer reports

I received a credit card statement from XXXX Bank for an account I had NOT opened and was NOT mine. This was FRAUD and IDENTITY THEFT. I called the bank and they refused to send me a letter confirming that the account was closed and was not mine. 

The bank is XXXX BANK based in either Florida, Maryland or North Carolina ( all are addresses on the statement. ). I asked for confirmation that I will not be liable and was refused. 

The account number ends in XXXX and the amount of the charges is {$17000.00} I have put a credit lock on my accounts with Experian and have filed complaints with them and with XXXX
Product: Mortgage

I sent the following letter to Caliber on XX/XX/XXXX without a reply. Prior to the letter I attempted to call customer support and was put on hold until the call was terminated. In addition, I sent 2 messages via the secure messaging system at Caliber 's website on XXXX and XX/XX/XXXX with no response prior to sending this letter. I have not received a reply to any of my communications. 

The extra payment has been partially credited to principal and it looks like partially held in escrow. My wish is to use the extra payment as an extra payment so I can skip one months payment rather than have it credited to principal and " cash '' XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XX/XX/XXXX Caliber Home Loans , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX : loan XXXX Dear XXXX   XXXX, My loans have been double billed. 
My loan was sold to you. I made my payment for XXXX to you and my account was still debited by XXXX resulting in my paying twice for the month of XXXX. The loan numbers and amounts are as follows. 
XXXX {$1700.00} XXXX XXXX XXXX XXXX, XXXX XXXX Or XXXX This represents an over payment of {$1700.00} and as you can imagine is a hardship for me to bear this overpayment. I would like the extra payment to be applied to next months payment. I would like to skip my payment for one month and have the extra payment applied to XXXX. 
I contacted you twice via secure messaging at the Caliber website, with no reply.. 
RSVP Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to a new address in XXXX of 2019. I contacted ( via phone ), ALL of my creditors to update billing address so as NOT to be late on ANY bill. XXXX XXXX Co ( Citibank ) updated my address incorrectly. They only recorded the house number but left off the street name, thereby rendering my bill undeliverable. Upon being notified of late bill via phone, i immediately paid off balance and closed account. I was refunded my late charges and representative stated that bill WAS IN FACT returned as undeliverable to me! She also stated that this would NOT affect my credit score / rating. I have tried 4 times over the course of 2 years to rectify this with both Citibank and XXXX, as well as XXXX to no avail. Citibank stats they can not correct negative report because it wasn't a bank error. I understand this, but it WAS a billing error. How can i pay a bill I never received?? The mistake with the address was THEIR responsibility, and I'm left with the negative rating?? 
I will attach invoice showing house number but NO street name in the documentation section to follow. Please help me to have them correct negative information regarding this matter.
Product: Debt collection

someone has been using my name for a service i have no knowledge of which is my identity, which is fraud.
Product: Student loan

I have reached out to MOHELA on several occasions when I can actually get through to someone despite long wait times. Each time to speak with someone about removing a voluntary forbearance, I am assured it will happen, and the interest accrued will be reversed, months later it still has not happened. I am on the SAVE plan so I should be automatically enrolled in the general interest free forbearance but that has not been done.

Mohela has told me so much conflicting information each time I speak with them. First when I spoke with them they directed me to XXXX  and stated they needed to resolve the interest refund. Then when I spoke with XXXX, they directed me back to the servicer saying there was nothing they could do. Then, I was told they just needed to remove the forbearance ( which would take 10 days ) and I would be refunded and now 2 months later it still has not happened. 

I reached out to the AGO. They told me XXXX XXXX. XXXX  XXXX instructed servicers not to effectuate the 0 % interest SAVE forbearance until such voluntary forbearances ended. This information is shared NOWHERE for borrowers to see and understand. They also told me there was nothing they could do and then directed me to lodge a complaint here. 

I am in an extremely difficult position where it appears this servicer has customer service agents that are uniformed and misdirecting me and also not changing my forbearance status despite my multiple requests. Their website has never directed me that I was supposed to remove my voluntary forbearance, it states I would be automatically enrolled into the interest free general forbearance. The communication and direction I am receiving is fraudulent and purposely misleading it seems. It needs to be resolved now. I