23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

DiTech continues to make false statements concerning my account. First, they state that the escrow analysis done in XX/XX/XXXX, at the time of my modification, went up just after I finished making my 3 trial payments, when my taxes and insurance premiums actually went down at that time. Second, in XX/XX/XXXX, a complaint was filed and Ditech responded to stating that there was an escrow overage on my account and an overage check was sent to me. Since I never received a check, I filed an additional complaint to find out why they made a false statement. They then responded that they actually did n't send me a check. I still have not received the overage check. Third, DiTech continues to report me late with the credit bureaus when my account HAS NEVER BEEN PAID LATE. When I served my last complaint in XX/XX/XXXX, regarding why none of my account representatives return phone calls even though I left many dozens of messages and called on a daily, hourly basis to XXXX XXXX, x XXXX, XXXX XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, and XXXX x XXXX. With all of the calls placed to each of these representatives, none of them ever ONCE answered their line. Many of them would have a voicemail that was full and no message could be left. When I finally did speak to my account representative and others, they always promised a phone call back, never mentioning that there was a " cease communication '' on my account. When XXXX XXXX called me for the first time in XX/XX/XXXX ONLY in response to a CFPB complaint, she apologized and said she would get to the bottom of this and get back to me. I advised and she confirmed that the " cease calls '' was removed from my account. Just as I advised XXXX x XXXX to do MANY MONTHS EARLIER. I was only informed in XX/XX/XXXX that my request needed to be in writing, which I faxed within minutes of receiving this information. It seems as though DiTech is using this as just another excuse as to why my account has been mishandled from the beginning. Again, if they are using the " cease calls '' as an excuse not to call me back, why did I receive a call from XXXX XXXX or even XXXX who actually did call back on a couple of occasions to let me know he was still waiting for the research to come back on my account? This behavior is very suspicious. I also forgot to mention that I sent a fax directly to XXXX XXXX, the Paralegal responding to these complaints to discuss the misinformation that he continues to place in his responses. Of course, I did not receive a call back from him either. Again, due tot the fact that I was trying to work out what ever discrepancies may have existed on my account, and the fact that DiTech continues to report misinformation, they must cease from reporting my account late with the credit bureaus.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

In early XX/XX/year>, I enlisted my services on XXXX I encountered lots of errors on their app and then later noticed that I had been charged {$100.00} for a lead which had been sent to me. 

On XX/XX/XXXX, after being unsuccessful in removing my card details from their system, I sent an email to thumbtack, asking them to delete my card details and deactivate my account. They ignored, continued to send me leads, and continued to charge me for it, and ran a total of {$740.00}. 

I called citi bank to dispute these charges which they initially refunded, but shortly afterwards, citibank reversed the charges and sent the money back to XXXX because they said that XXXX sent them evidence to show that I didn't follow cancelation policies. Citi bank went ahead to do this even after I sent them copies ( both physically via post and virtually via email ), of the email i sent to XXXX on XX/XX/XXXX, asking them to delete my card details and account. 

I was asked to email XXXX if I disagree with the resolution, which I did, but citibank ignored all XXXX emails I sent, including extra evidence of online reviews from multiple other victims of Thumbtack. 

I would like citi bank to refund my money, being that they ignored me and allowed XXXX to steal my money from my account.
Product: Mortgage

dear sir/madam I have owned my home for 50 years and always made my payments on time.by mail.i decided to have chase take the payment directly out of my checking account .the payment was dueXX/XX/2020.i sent the required paper work in and waited.three weeks later they contacted me and needed more information of which I mailed them.as of now I am receiving notices that I am late with my payment.i tried to reach then by internet and by mail to no avail.they give me a phone number to call but after 18 minutes of waiting they disconnect.i want to go back to mailing my payment in but they are not reachable.i have the payment money but do not have an address to mail it.i don t know if they are going to take the mortgage out of my checking account or not.they will not acknowledge my inquiries.i will seek a lawyer if I am forced to.can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX Card several times, sending emails calling and even faxing the unauthorized charges herein below that were NOT AUTHORIZED, but now XXXX  Card again posted all the charges back to my account for transactions listed below. 
XXXX resolution support credits and then post the charges again to my account over and over, making it almost impossible to understand why they are still reversing the charges. 
The XXXX resolution support person I spoke with several times not all but one of them very much treated me like a child and even made defamatory comments towards me instead of taking care of the issue when I first contacted them in the year 2018. 

XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - XXXX XXXX  XXXX XXXX NV - {$5300.00} XX/XX/2018 - XXXX XXXX  MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX  MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG   PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - XXXX   XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$5300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} All charges herein above are UNAUTORIZED CHARGES, XXXX is aware that the charges were not authorized, and they keep posting it back to my account. 

I am NOT RESPOSIBLE FOR All the charges ; they know very well after numerous explanations about the company XXXX   XXXX. I have no contract with XXXX XXXX and all the charges listed above were once again NOT AUTHORIZED. 

This is destroying my credit and now I have to file this complaint against XXXX XXXX. 

All charges above should be credited to my account as soon as possible. I am not going to make any future payments to XXXX. 

I am already in litigation with XXXX XXXX and will soon be in litigation with XXXX card. 


I would like to request that all NOT AUTHORIZED CHARGES above to be credited to my account as soon as possible as I am not going to make any future payments to XXXX since they are very much aware of the UNAUTHORIZED CHARGES issue with the merchant XXXX XXXX. 

Unless XXXX can prove without a reasonable doubt and solid that I do have an account with XXXX XXXX and that I did authorize the transaction.
Product: Debt collection

The Phoenix Recovery Group reported my account to the credit bureaus without sending me any notification of the account. After contacting XXXX, The Phoenix Recovery Group then contacted me for the very first time via emailXX/XX/18. The collection notice that they had sent to me had the wrong address, hence the reason I never received it. The original creditor noted on the collection notice also sent the bill to the wrong address. The Phoenix Recovery Group stated in the email that they would report the account as disputed to the credit bureaus. That never happened. My credit score took a hit from this. I was never given an opportunity to dispute the account before by credit score was ruined by Phoenix Recovery Group.
Product: Credit reporting or other personal consumer reports

Reached out to Equifax XX/XX/year> & XX/XX/year> via mail. no response from company requesting a fair investigation on unauthorized inquires on credit report.
Product: Debt collection

XXXX XXXX management failed to comply with fair debt collection practices act, 15 USC 1692g. XXXX XX/XX/2022, I included in my validation of debt letter request of date of original charge off or delinquency and signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Company failed to respond with requests,
Product: Mortgage

I would like to request a Streamline Repayment for my property located at XXXX XXXX XXXX XXXX XXXX MD XXXX Recently, I was offered a repayment but it was not feasible as a single mom of XXXX  children. I quickly contacted my Asset Manager XXXX XXXX who stated my home was referred for foreclosure the 2nd week in XX/XX/XXXXwhile I was being considered for alternative foreclosure options. Here is my question if I am being considered for alternative foreclosure options why was my home referred for foreclosure by XXXX XXXX XXXX? Have I exhausted all of my options due to unfortunate life circumstances? I am praying for a miracle for me and my children and need all the help we can get. We are working with a Credit Counselor through XXXX XXXX and they have been very resourceful. I am literally having anxiety and can not sleep at night worried if the Sheriff will be knocking on my home to put my children and I out on the street.

I was required to go on two Medical Leaves of Absence - due to complications related to XXXX XXXX XXXX and the XXXX of my daughter in XXXX who was hospitalized in the XXXX XXXX at XXXX XXXX XXXX Hospital XXXX MD awaiting a XXXX XXXX. OnXX/XX/XXXX my divorce was finalized which is public record reference - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My household income was cut in half and I had to an insurmountable amount of legal fees associated with my divorce and custody of my minor children.

I have being working diligently in alleviating my monthly financial obligations : I was granted an Economic Loan Deferment for my Student Loans, XXXX I was able to get free clothing for my children, XXXX XXXX  food and prescription assistance.

While I have been the only wage earner I have submitted applications to alleviate our monthly financial obligations : I was granted an Economic Loan Deferment for my Student Loans, and I have not acquired any new revolving debt in over 8 years. I am back to work full-time and would like to propose a reduction in my interest rate to 3.85 % thereby reducing my mortgage. Please consider lengthening my loan term to 32 years so I can pay back the arrearages now that I am back to working fulltime. If thats not an option please consider reducing my principal to current home market values using my current loan rate. I need my home for the stability my children and elderly parents a foreclosure would not be beneficial to my community, particularly now that I am able to pay and have resumed working full-time.

I, XXXX XXXX XXXX have determined the estimated current property value to be XXXX based on the average values received from : 1. XXXX Lists estimated home values based on recent sales available through public records with the County Clerks Office .

2.XXXX Lists current properties for sale in community and recent sales activity. User is able to search and compare like kind properties.

Any assistance you can provide would be greatly appreciated.

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

pressler and pressler notified me of a court date that was for XX/XX/XXXX on XX/XX/XXXX. 
I would never had been able to attend on XX/XX/XXXX due to being XXXX  with XXXX and under XXXX XXXX XXXXThis was for an attempt to collect on a credit card. I submitted a debt validation letter on XX/XX/XXXX. 
pressler and pressler did respond for almost 3 weeks and when they did they did not supply the correct paperwork as a response. They simply sent me the paperwork they supposedly submitted to the courts on XXXX which did not include anything that the debt validation letter requested. I continued to request proof and even tried to get legal counsel ( all that contacted said they had affiliations with this law firm and it was conflict of interest ) The law company then sent me paperwork requesting all my financial information, bank accounts, paychecks, XXXX, savings inheritance.. and the paperwork said if i didn't comply i would be held in contempt of court and would be arrested for not complying ( again i had not received ANY notifications from the courts for anything about this case ) Which the legal counsel i was trying to procure at the time instructed me to wait for same paperwork from the courts.. which never arrived. This was the last I heard from pressler and pressler until XX/XX/XXXX when i found that there was a wage garnishment. This was supposedly granted on XX/XX/XXXX. Again.. I never received ANY notification of a court date from ANYONE including the courts.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score not going up like supposed to be like they cheating me refusing to up my credit score due paid installment loans in good standard conditions that not right an still getting denied credit card an my credit in good standard wrong an unlawful how credit bureaus company doing people with they credit report fraudulent companies what the point having good credit an can't use because credit report agency failed to up your credit like XXXX haven't not updated my credit score in 3 months still XXXX XXXX XXXX XXXX refusing to up my score illegally fraudulent activity happened with these companies fail to Left my score an false information with credit card telling me to apply an turn me down make hard inquiry on my credit report fraudulent activity this evidence Force me to apply for credit card an get turn down false information turn me down make be as hard inquiry false advertising false information an reporting me deceased illegally lied about that wrong an illegal report someone deceased
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell XXXX AND EXPERIAN CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX  XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$250.00}, XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been contacted several times a day about a closed / discharged debt. 
XX/XX/XXXX they contacted me via my work number. I notified them that I can not take personal calls at this number. Shortly after, they called my bosses cell phone #. 
Today ( XX/XX/XXXX ) I was contacted again on my work number after asking them not to.
Product: Mortgage

I applied for forbearance in XX/XX/2020 because I lost my employment. Two weeks later I found another job and called my loan company requesting to cancel my forbearance request. I was informed that I needed to wait for someone to get back to me. I waited and in XX/XX/2020, I called again and was told that " we can't just cancel. You will need to wait three months before the company -Mr. Cooper XXXX could close the request to have payments resumed ''. It has been a struggle ever since. I was only able/allowed to make three online payments and was never allowed to make payments again. In the meantime. I am owing more and more on my house. 
The company continues to ask me to fillout the forbearance form again and again and provided paystubs to their site as well as tax returns... This became that vicious cycle of " we did not get it... we've never received it. '' In the end, I took the forms and documents to the post office - sent certified mail. They requested more documents to be submitted via email - all to reject the application again and again. I recently re-submitted documents for last time online, using their site- Now, I receive phone calls almost daily about needing more paystubs - to which I referred them to the site for uploaded documents. Now it's the apology game and no results. In the meantime, I am afraid that all this will leave me owing more on the house and possible lose it!
Product: Checking or savings account

XXXX $ I tried to reopen an account and I was not able to
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a written dispute to Equifax on XX/XX/17 to remove a XXXX XXXX XXXX account from my credit report that is not mine. To this date, I have not received a proper response to my claim and this account is still being reported to my credit. According to my report, it has an account number of # XXXX with a debt of {$8400.00}. The reason I am filing this complaint is because I have already spoken to this collection company in the past and they can not pull up any records that match my personal information. In addition, this account is only being reported by Equifax to my credit. It is not being reported by XXXX or XXXX which is another reason to believe that Equifax is reporting someone else 's account on my credit. I am attaching a screenshot of a recent report that shows this fact.
Product: Mortgage

When I bought my house in XX/XX/XXXX it was through countrywide bank. When the housing market crashed the loan was bought by Bank of America. The way I got into my loan was no money down, no income verification. So the way countrywide did it was a conventional 30 year mortgage and a HELOC. In roughly XX/XX/XXXX Bank of America modified my conventional mortgage which temporarily helped but now I am trying to refinance and can't because only a minimal amount was going towards the principal. Between my conventional Mortgage and my HELOC I can't find anyone to refinance my loan due to contributing factors. I feel minimal help from Bank of America has put me in a financial bind.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 the following companies inquired about my credit without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the following company inquired about my credit without my consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the following company imquired about my credit without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following company inquired about my credit without my consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The follomg company inquired about my credit without my consent : XXXX XXXX XXXX
Product: Student loan

On XX/XX/year>, I was notified via email that my account with Mohela was undergoing a transition to their new platform. Then on XX/XX/XXXX, I received an email that my account was done with the transition and for me to make a new account on their new platform. I had no additional communication regarding the status of my loans during this period. I did not receive any email or letter stating rather or not my account was in administrative forbearance. However, when I logged on to the new platform, I found out my account was in administrative forbearance due to end on XXXX. I called and spoke with Mohela, and the reps confirmed that I was placed in admin forbearance during this time. I also received a letter the day after that call that my forbearance was due to end in 45 days. However, this letter did not specifically state that I was ever in forbearance to begin with and it did not specify what kind of forbearance I was in. In addition, I know from other borrowers who were in the same situation as me got a letter stating they were in admin forbearance, and that those months would count toward XXXX. I spoke to mohela on 3 different occasions since XXXX to request for such letter and each time, the rep said they will put a request in. I have filed 3 complains with FSA and even one with my state congress person, but no one is able to help. I need that letter for my record, so I can use it to apply for loan forgiveness under XXXX. XXXX was supposed to be my XXXX payment. 

I am attaching the only letter I got during XXXX for your reference. This is the letter that informed me of when my forbearance was ending but I was never told that I was in a forbearance to begin with. 

Thank you.