23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My HECM reverse mortgage was a lump sum distribution at closing. There was never a Line of Credit ( LOC ). However, XXXX XXXX is showing a balance of $ 700+ as Line of Credit Balance. I have called them four times and spoke first on XX/XX/XXXX with XXXX, on XX/XX/XXXX with XXXX, on XX/XX/XXXX with XXXX and on XX/XX/XXXX with " XXXX ''. No last names were provided. They did name their manager as XXXX XXXX but would not connect me. I have explained the problem and they keep saying someone will get back to me. 

I may be selling my home and until this is corrected on the mortgage statement, I will be stuck paying the $ 700+ which I never got! 

Please help me. Phone : mobile XXXX. Email : XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX
Product: Mortgage

Mortgage was transferred from XXXX XXXX to Specialized Loan Servicing LLC. as of XX/XX/2018 I have not receive the information of where to submit my payment. I called and was not able to speak with anyone. When i call through the automated system they do not recognize my original XXXX XXXX account number. If i send a check to that mortgage company and they do not recognize my account how ca i be sure my payment will go through? this change has been a disturbance to my family. We are uneasy of what is next.
Product: Bank account or service

I 'm XXXX and require special accommodations. On XXXX at approximately XXXX, I walked into PNC Banking Institute located at XXXX, Washington , DC . I needed to withdraw XXXX dollars out of my checking account and follow-up with transactions made with my debit card on XXXX. In the process of conducting business at the Teller 's window, XXXX walked up to the right of the Teller 's window, while I was counting a couple of thousands and starting yelling " That 's Enough '', " Stop Her '', " Do Not Help Her '', " She Needs to Move, There Are Other Customers in Line '', with XXXX standing to the left of me at the Teller 's window. 
I asked XXXX XXXX if her staff could step back from the Teller 's window while I continue to count my money. Both women employed with PNC Banking Institute refused to honor my request to back away from the Teller 's window for my privacy. After counting XXXX dollars in all twenties, I needed to check on my pending transaction made on XXXX. I requested to file a complaint with their corporate office because those women made me feel so uncomfortable. 
XXXX would n't contact customer service until 60 minutes later ( XXXX/Sales Service Manager, XXXX, Washington, DC XXXX, Washington, DC XXXX ). Those women were so unprofessional and they are in serious need of training.
Product: Student loan

My Sallie Mae Loans were purchased by Navient. There are three loans in my name XXXX XXXX XXXX. On loan # XXXX since inception have paid {$27000.00} yet the loan balance has INCREASED by {$860.00}. Navient has taken lump sum payments i.e. {$300.00}, XXXX, XXXX and applied the majority to interest. In addition there is capitalized interest, forbearance fees, etc. The amortization schedule they provide does not reflect the beginning balance less payments ; instead it shows the payment whether it was applied to interest, fees or principal. 

In 2017 I paid {$5700.00} with ONLY {$270.00} credited to principal. In an attempt to understand/correct this situation I have made numerous phone calls without any resolution. It is impossible to get a straight, honest answer. 

My job is as a flight attendant earning approximately {$25000.00} per year. These loans are creating an unimaginable hardship on me financially and is creating an extremely stressful situation in my life.
Product: Mortgage

Rocket Mortgage purchased my home loan from XXXX XXXX in XX/XX/XXXX. This was during the time XXXX XXXX paid my XXXX ad valorem taxes with XXXX XXXX. Then, Rocket Mortgage assessed or calculated my property taxes, but excluded XXXX XXXX 's payment for my XXXX tax period. When Rocket Mortgage calculated my escrow analysis, it over calculated it, projecting an approximate {$200.00} increase in my monthly payments. I contaced Rocket Mortgage several times to correct error, and I was assured in writing that it would be corrected and my monthly payments would not increase. My XX/XX/XXXX payment just went through and nothing was corrected, my auto-payment was over the owed amount. I have attempted to rectify the situation, but no one at Rocket Mortgage is assisting me at all. My ad valorem taxes increased by a total of {$39.00} from XXXX to XXXX. This does not justify increasing my escrow payments by approximately {$200.00} a month.
Product: Student loan

I have consolidated federal loans from medical school that I have been paying on an income driven repayment plan since XXXX. I am currently a XXXX XXXX XXXX and have been working towards Public Service Loan Forgiveness. I have been making payments through the automatic debit system for the interest rate deduction. My XXXX XXXX XXXX is 7 years long, 2 years of which are dedicated to research. These two research years spanned from XXXX XXXX XXXX. During this time, under a 100 % institutional scholarship, I completed coursework toward a XXXX XXXX. As a XXXX, I was still employed and salaried by the hospital, and thus in XXXX as usual I submitted my yearly employment certification form as well as my yearly income based repayment recertification form, both of which were approved and a new payment amount calculated. Despite maintaining and recertifying my salary and making no tuition payments, my loans went into automatic in-school deferment from XXXX. I was not aware of this and assumed my payments were getting automatically deducted as usual until months later in XX/XX/XXXX when I noted that they were not and filled out a form to cancel the unnecessary deferment. I asked Fedloans to please bill me for those months and allow me to make the payments as I had submitted my ECF and IBR recertification forms and those had been approved, and was not making any tuition payments with the scholarship, thus a deferment that I did not request and was applied automatically did not even make sense, however they have not allowed me to do so. Furthermore, when processing the deferment cancellation request my account went into " administrative forebearance '' until XX/XX/XXXX while they processed the form and therefore I missed out on two more potential PSLF qualifying payments. Despite the deferment beginning in XX/XX/XXXX, my XX/XX/XXXX payment also did not get billed. There are therefore 9 unbilled payments ( XXXX XXXX XXXX  ) that I feel I am unfairly not being allowed to pay that would qualify towards PSLF, when I demonstrated clear intent to continue to make payments by submitting my employment certification form and income based repayment recertification forms on time that year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX -inquiry unauthorized on XX/XX/XXXX, XXXX did not respond XXXX XXXX XXXX XXXXXXXX XXXXinquiry unauthorized/unknown- XX/XX/XXXX, XXXXdid not respond XXXX & XXXX XXXX XXXX unauthorized/unknown inquiry- XX/XX/XXXX XXXX XXXX-did not respond XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX company unreachable to remove XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX unauthorized/unknown inquiry- did not respond XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXunauthorized inquiry- did not respond XXXXXXXX XXXX XXXX-XXXX XXXX, XXXX unauthorized/unknown inquiry-did not remove inquiry XXXX XXXX XXXX  XX/XX/XXXX, XXXX-unauthorized inquiry- did not remove XXXX XXXXXXXX XXXX XXXXXXXX unauthorized/unknown inquiry-did not remove XXXX XXXX XXXX XXXXXXXXt XXXX, XXXXunauthorized/unknown inquiry-did not remove XXXX XXXX XXXX XXXXXXXX unauthorized inquiry- did not remove XXXX XXXX XXXXXX/XX/XXXX, XXXX unauthorized inquiry- did not remove XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX unauthorized/unknown inquiry- did not remove XXXX XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry-did not remove XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX inquiry- did not remove XXXX XXXX XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry-did not remove XXXX XXXX XXXX XXXX XXXX XXXX, XXXXunauthorized inquiry-did not remove
Product: Credit card or prepaid card

XXXX THIS IS THE CASE NUMBER FROM PREVIOUS COMPLAINT HAVE MORE DOCUMENTS TO UPLOAD FOR MY ORIGINAL COMPLAINT NOW IT APPEARS DISCOVER IS STATING THEY NEVER RECEIVED THE ORIGINAL REQUEST FOR MY TAX RELEASE I AM A VICTIM OF IDENTITY THEFT AND ORGANIZED STALKING SINCE DAY ONE GOING ON XXXX IN XX/XX/2010 I HAVE BEEN TRYING TO EXPOSE THE CORRUPT AGENTS AND AGENCIES INVOLVED FOR THE LAST THREE YEARS YOU CAN XXXX  XXXX XXXX XXXX XXXX XXXX AND ORGANIZED STALKING FOR VALIDITY ITS AMAZING SINCE THEN ALL THE PROBLEMS I HAVE IDENTITY THEFT BOGUS ACCOUNTS GETTING DELETED AND PUT BACK ON NOW BEING VERIFIED EVEN BOGUS EMPLOYER T P TOOLS LAST TIME I TRIED HAVING THIS REMOVED ALSO BEING VERIFIED AND I CONTINUE TO HAVE TO PROVIDE DOCUMENTS SO BOGUS ACCOUNTS CAN BE MADE AND UPLOAD MY RECENTLY PROOF OF IDENTITY OR MAILED OR FAXED WHILE EVERYTHING NOW BEING REPORTED AS VERIFIED ALSO AMAZING SINCE TRYING TO EXPOSE THESE PSYCHOPATHS INVOLVED IN THIS DOMESTIC XXXX  PROGRAM I HAVE NOTHING BUT PROBLEMS WITH CREDITORS NOW DISCOVER IS STATING THEY DIDN'T RECEIVE MY RELEASE THAT I DID LIKE AFTER TWO DAYS OF RECEIVING IRS RELEASE TAX DOCUMENT SO IM UPLOADING MORE DOCUMENTS TO THE ABOVE MENTIONED COMPLAINT
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries XXXX/XXXX  XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX Account # XXXX XXXX Bankruptcy Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have sent 3 dispute letters to all three credit bureaus Transunion, XXXX, and XXXX to correct my personal information, and yet it has not been done. 

Under the Fair Credit Reporting Act ( FCRA ), specifica

lly 15 U.S.C. 1681i and 15 U.S.C. 1681c, I have the right to dispute any inaccurate information and request that it be corrected promptly. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate information, and I trust that you will make the necessary corrections promptly. In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I expect to receive written confirmation of the outcome of your investigation and a corrected copy of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

I have an incorrect address on my credit file and I also would like to update my employer. I spoke with the credit bureau and after answering extension questioning my file was not updated.
Product: Debt collection

i have disputed this and transunion deleted it i have the documents but XXXX has yet to take it off of my report which the law states that medical bills under {$500.00} shouldnt even be put on your credit report the company is R & R Professsional Recover the amount they have listed is {$120.00} i would like this deleted off of my report because it shouldnt even be there
Product: Bank account or service

XX/XX/XXXX I was a victim of Bank Fraud. I was issued a fake check and the check was deposited in to my Bank Of America account at that time and the check was returned obviously and without any notice or phone call or investigation my name was reported to XXXX. Since XX/XX/XXXX I have made so many attempts to have this matter resolved and Bank OF America has ignored every single attempt. XX/XX/XXXX I hired an Attorney to plead my case and a letter was mailed on XX/XX/XXXX and that has also been ignored. I need to open a bank account. None of this was my fault. I was a victim in this case. No one has reached out from Bank OF America to help resolve this matter. They did not even bother responding my attorney 's letter. That is how bad they are in every aspect. I need my name removed from the XXXX database as soon as possible.
Product: Debt collection

Attention XXXX and if possible XXXX and XXXX  Delinquent Account ; XXXX XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX systems about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same i guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. 

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

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.
Product: Credit reporting or other personal consumer reports

XXXX was selling off their XXXX  loanss to XXXX. They said we had loanss 60 days past due and we received nothing about these loans and when we called in they said they were in Forbearance. We were given the wrong information and nothing in writting. When we foundd out it may affect our credit score we paid everything in full over {$9000.00}. They said we would still be given a ding on our credit score. I have been XXXX XXXX for 35 years with perfect credit and now as a co signer my credit is ruined for 7 years. XXXX will not work with us even with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this matter for the past couple years. This outstanding student loan balance was originally satisfied and closed. It reappeared on my credit and XXXX deleted it but now its another account through same lender. This information being reported is incorrect and this account is still reporting on my credit even though the status says closed. I have supporting documents to show when it was deleted before on my credit monitoring site.
Product: Mortgage

XXXX incured on XXXX XXXX company issues check for damages of XXXX. 

XXXX. First check issued XXXX. 
XXXX. Second check issued XXXX. 
Have called and disputed what percentage of work is done. We are over XXXX percent done with repairs. Need additional funds to finish. Mortage company says home is XXXX percent done. Will not allow us to schedule an in person inspection. Have tried calling a dozen times and I am either hung up or disconnected from mid way through call. Please assist us in collecting the remander of our money due to us.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I applied for a credit card with XXXX XXXX XXXX. I was approved for {$5000.00} credit limit. Between XX/XX/XXXX and XX/XX/XXXX I had two late payments. I paid back the full balance of $ XXXX and the account was closed in XX/XX/XXXX. This account still appears on my credit report as derogatory due to the XXXX late payments. Again, this account was paid in full not negotiated or settled for a lower payment to close the account.
Product: Debt collection

My identity was stolen and my XXXX XXXX XXXX   MasterCard credit card was used to make a purchase for {$610.00} on XX/XX/XXXX.  XXXX XXXX notified me, via U.S. mail, on XX/XX/XXXX that a restriction was placed on my card to until they could confirm that there is no fraud occurring. I was directed to call Synchrony 's XXXX number to discuss this with them. I called Synchrony and was told that a purchase was made on my card for {$610.00}, and I was asked if I made that purchase. I DID NOT make that purchase. XXXX XXXX said its fraud department would instigate and investigation. I have had numerous discussions with Synchrony 's fraud department. The bank had me call the " alleged '' vendor, XXXX XXXX XXXX XXXX XXXX at XXXX. I called this number, and it is disconnected. I called back to the Synchrony 's fraud department and told them the number is disconnected. Synchrony then asked that I contact PayPal. I called PayPal, and PayPal verified that I did not make the {$610.00} purchase. I called XXXX XXXX and told them what I found out. One of Synchrony 's investigators even admitted to me that they did not do a good investigation. He said they would investigate further. I spoke with my attorney in the meantime, and he told me that XXXX XXXX must produce " hard copy '' proof that the items purchased from XXXX XXXX XXXX XXXX XXXX were sent to my home. Each time XXXX XXXX denies my claim and says that I owe the {$610.00}, they do not have this proof. All XXXX XXXX has is that the vendor told them the items were shipped to my home. The vendor can not be contacted, and they have not gotten the information from the post office or from USPS to show the items were actually shipped to me. My attorney and I agree, until they can give me " hard copy '' proof, it is my word ( a valued customer ) versus a vendor that can not be contacted that the items were not shipped to me. This has been going back-and-forth between XXXX XXXX and me since XX/XX/XXXX. Each time I speak with Synchrony, nothing has been done. Yet they continue to ask for this payment from me. I am tired of the harassment and the time invested to clear my good name. I have excellent credit, and have always paid my bills. I even went to my local police department and filed an identity theft claim. Now, would an honest person do this? Please help me.
Product: Vehicle loan or lease

Global lending services Account charged off Date opened XX/XX/year> Car got totaled out due to someone totaling out the car balance left over XXXX
Product: Debt collection

USAA SAVINGS BANK- ( XXXX ) : Identity Theft USAA SAVINGS BANK- ( XXXX ) identity Theft I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. 
Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, and, are not entitled to enforce a claim against me. In the event, you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and Federal Trade Commission, and file a police report against you for harassment and invasion of privacy. 
You have 30 days to provide strict proof of contract. In the event, you can not provide strict proof of contract, you must cease and desist all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the State Bar Association and XXXX XXXX XXXX for code of ethics violations.
Product: Mortgage

On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at XXXX XXXX. It was reportedly sent to XXXX. XXXX claims these funds were never received and XXXX states funds were withdrawn and I would need to talk to XXXX. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. XX/XX/XXXX Online Payment XXXX To XXXX, XXXX. XX/XX/XXXX XXXX payment {$2200.00}. The Trace number is XXXX It has been further reported that XXXX sent these funds to my new loan service provider Regions Bank. They claim funds have never been received.