23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

unable to open a bank account. because other banks put a block on my name so it make hard for me to obtain a another account in my name. Especially BOA say I'm blocked for life not sure what that is. I haven't done any thing wrong is not fair these bank are blocking me for no reason. thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrote letter for VALIDATION not VERIFICATION no response
Product: Student loan

I called MOHELA in XXXXXXXX XXXX XXXX to put my loans in a temporary deferment until XX/XX/XXXX. I went through the application process with the agent and was told it would be sent though. I started receiving late payment messages the following month, right around when I noticed my IDR loan should have been in administrative forbearance due to the ongoing lawsuits. I called back in XXXX to resolve this, waited over 3 hours only to be put in hold again and told to leave a message eventually. When a manager called me back, he said there mustve an error when applying the deferment application to my account, but my account would be put in administrative forbearance until the law suits were resolved, if this was before XXXX my loans would be put in temp forbearance like I originally requested. I started receiving the late payments/loans will be put in default emails again in XX/XX/XXXX. Ive tried to call to have my accounts corrected but everytime you call the wait time is over 5 hours. I decided to wait 5+ hours on hold and never spoke to a representative. I can not get through to have my loans fixed and my loan will be put in default. This is without a doubt intentional call deflection to prevent borrowers like myself from receiving account resolutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with XXXX and Equifax Reporting information that is not validated Reporting information that has been paid in full as not paid in collections Fraudulent inquiries reported even after fraud report confirmation Reporting companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent written letters, 3-5 over the past 6 months requesting response, sent copies of payment agreements, sent copies of money orders paid in full, sent copies of letters stating paid as agreed.
Product: Mortgage

URGENT! 
I have a closing next Friday XX/XX/22 In order to close on time I need my Partial Claim Payoff Statement from HUD. In order to receive my Partial Claim Payoff Statement I need Midland to file the partial lien claim with the Department of Housing and Urban Development in XXXX computer system. Midland still hasnt done this. I keep calling Midland to get this resolved and no one has taken any action to correct this for me. Instead Midland keeps pawning it off on HUD. They keep telling me to call HUD. Yet HUD has explained to me how this works and how Midland has to file this in the HUD computer system in order for them to move forward and issue me my Partial Claim Payoff Statement. Ive attached a email from XXXX who services the Partial Claims for HUD. They are also stating that Midland has to file the partial lien claim in order to move forward. I need this corrected ASAP to close on time.
Product: Debt collection

AIC aka Allied International Credit Corp XXXX XXXX XXXX is attempting to collect a debt I do not owe. In fact, I do not even know what it is for. The person I am to contact XXXX XXXX about the debt has refused 7 times to take my call and does not return my voice mails or messages that reps say they are giving her. I have contacted XXXX XXXX XXXX and XXXX has stated that I do not owe anything, thus there should be no debt collection. I have been called a " XXXX '' by XXXX of their reps when demanding to speak to XXXX Supervisor. I explained that I am a XXXX and would never think of XXXX. The person must be XXXX. I told them that frankly I have never XXXX except my wife and do not intend to XXXX. They will not discuss this scam with me. They have reported this debt to the credit bureaus and my credit rating has dropped from the XXXX 's to the XXXX 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to TEMPORARILY lift credit freeze with my PIN that I have have had and used several times in the past. It seems like there is some problem with their website. I have used this service in the past ( most recently a couple of months ago ) with same information and PIN successfully but this time it seems like there is a problem on their end because the page just gets stuck there but on the third try with a different browser, it told me that my information does not match and that I have to write them to lift the freeze. I DOUBLE CHECKED to make sure the information I am entering is correct by looking at my recent experian credit report and the page with the original PIN number that they mailed me several years ago. This is unacceptable and seems like there is a problem on their end. Let me explain in detail - I am using latest version of XXXX  with standard settings. The first 2 times I tried with XXXX after filling and submtting the information along with my PIN the page just stops there with the " wndow of death circle of death '' ( see the image attached ) and never redirects to the result page. When I tried to end the page and reload it said " Error Group 11 '' - this was the case with 2 tries from XXXX browser. Then I tried on the same laptop with XXXX browser and this time it took a while with the wheel window and then finally redirected me to the page saying that my information was not verifiable and that I have to write them to lift the freeze. Finally I tried on another desktop computer that I have used for experian freeze lift and after inputting my information, as in previous 2 instances with XXXX, the " window of circle '' popped up and never redirected to the result page after several minutes. Obviously, there seems to be some issue on their end probably server overload and ( being a XXXX XXXX ) whoever designed their webpage, should stop using the popup window of circle and instead redirect to a regular webpage to show whether or not the submission was successful. Either way, I should be able to do this online or by phone when the temporary lift is crucial for a short period and asking to write and wait for weeks to have this processed is not optimal. I just want to be able to lift freeze temporarily online especially since I have the PIN and have done this several times in the past. I want them to look at the website/system/servers and fix this issue. On their contact us page they have 4 options and with a phone number to get free credit reprot, they DO NOT HAVE THE PHONE NUMBER in the freeze area or a way to contact them regarding this.
Product: Mortgage

XXXX   2016  our  XXXX    XXXX   loan was transferred to Lonecare.    XXXX   2016 we  noticed a double paym ent ( {$1300.00} ) of our mortgage to Lonecare.  I (  XXXX   XXXX   XXXX   XXXX   ) call Loancare to  inquire if indeed we were double billed. The agent I spoke with seemed to think so but told me i Needed to request a review and gave me an email to do so. We received an email ( attached ) that showed my original email along with assurance that  Loancare would look into our concerns. Approx a month later we received a check from Loancare f or the above amount. We assumed this was the answer to our inquiry and the case was closed.    XXXX   2016 we  received a delinquent notice for  XXXX . I contacte d Loancare an d they told me that I asked for the reimbursement and the obliged ; made no sense to me that a mortgage company just return a check knowing it needed to be applied to  XXXX  statement!   The supervisor i spoke with was unwilling to see our side and told me there 'd be late fees and credit notification if I did n't remit payment within 15 days.   I contacted an Attorney and he sent a letter . ( attach ed ) After a response letter from Loancare that they would look into the matter, they sent a letter saying we requested the funds and they did what we asked.    Another letter from attorney was sent and again the same procedure and same result ; Loancare will not work with us! I see Loancare wanting nothing better than for us to lose our home. We ca n't afford going after Loancare in c ourt but at the same time we ca n't come up with {$1300.00}. I 'm  XXXX  and on a fixed income.   You 'll find attached documents, emails, attorney letters and statements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, credit card service 's sent a letter back saying now the can not remove it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Please Help Me! I have attached my supporting documents.
Product: Debt collection

National Credit Management sent a letter dated XX/XX/23 claiming to be from the XXXX XXXX XXXX to collect a debt for my XXXX XXXX XXXX son within 14 days or it would go to collections. The letter was not received until XX/XX/23. I called the university and spoke with the lady that handles the billing and was told that she didnt send any such letter and that she signs her name on billing statements and includes official letterheadboth of which were missing from the letter I received. I made a payment directly to the university after hanging up. I immediately got a call from NCM for my son. I explained to them that he was XXXX and that they needed to tell me why they were calling. They refused and did not identify themselves until I told them that if I was filing a complaint for fraudulent tactics to collect on a debt. Then the representative became more forthcoming. She however claimed NCM worked for the university instead of identifying herself as a debt collector from a private company. She asked me to confirm his birthday. She said that she was calling for the correct person but didnt know he was a minor despite having his birthday in front of her. Several minutes went by before she told me it was an attempt to collect a debt to which I told her that I had a payment plan in place with the university and that Id made my final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting on my credit profile to collect a debt that is not my debt XXXX XXXX XXXX and XXXX XXXX have sent several dispute action to Experian regarding the debt that appears on my credit report. I have also reached out to XXXX XXXX XXXX back and XXXX XXXX, XXXX XXXX and XXXX again in XXXX and XXXX it still appear that it is showing a closed account but it not been removed as a fraudulent activity on my credit report. On the Experian website it appears that it is still showing on my credit report, I am reporting the inaccurate fraudulent activity these account does not belong to me that is reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Checking or savings account

I filled a dispute with chime XX/XX/XXXX. Upon filing the dispute I received an email from chime stating the transaction is not eligible for a temporary credit. It has been 14 business days since I filed this dispute. I filled a different dispute on XX/XX/XXXX where I received an email also stating I was not eligible for a temporary credit however XXXX business days later I received a temporary credit. Both disputes were for non receipt of goods/services. I called today to see why I am not receiving a credit for XXXX dispute and I was met with vague information and was told its because of the dispute type. Chime is using deceptive practices against cardholders and they are not honest nor fair. Under Regulation E, if a consumer files a written notice of error and the bank requires more than ten business days to determine whether an error occurred, the bank can take a longer time, provided it provisionally credits the amount in dispute to the consumers account. That is the law!
Product: Checking or savings account

On XXXX XXXX, 2017, I applied for a checking account from BBVA Compass because of an offer they had where you would get a {$200.00} bonus after opening a checking account and getting a {$300.00} direct deposit. BBVA sent me an email saying that my account was under review and I would be called soon. I was never called, and despite me calling and emailing them numerous times over the next two weeks it wasn't until XX/XX/XXXX that I was told my account wasn't under review any more and I was able to sign in. 

I met all the requirements for the {$200.00} bonus -- I read all the fine print, and did exactly what I needed to do. I never got it. I've called them several times and messaged them on the website several times and gotten the runaround, and repeated refusals to help because " the promotion expired on the XXXX and your account was opened on the XXXX ''. They obviously just delayed the official account opening date so they could cheat me out of the {$200.00}.
Product: Debt collection

My issue is with a Home Depot credit card. I fell behind on payments and then made a payment to pay all pass due amounts. Soon after that they suspended me from making direct payments on the Home Depot website and would not accept payments over the telephone. I was contacted by XXXX and given the option to pay XXXX in full to clear the account. I paid the XXXX in XXXX of 2015 and thought all was well until I received a call from XXXX in XXXX of 2015 stating I now owe XXXX. Each time I spoke with the company they insisted I owed the money. I requested explanation of the balance in writing but to date have not received a detailed explanation in writing. They only tell me it is because of interest. To date this account balance has grown from XXXX when I paid it off the debt according to paperwork sent to me from XXXX, to XXXX according to the XXXX representative I spoke with today. My last communication with this company was XX/XX/2015.
Product: Debt collection

On XX/XX/2020, XXXX XXXX XXXX called me several times in a row from a spoofed number, impersonating a local business. The spoof number that they called from was XXXX. When I asked who they were, they were not forthcoming with the information and I had to ask them several times. 
They also called me from a spoofed number impersonating the phone number of a family member of mine which they have previously contacted on more than one occasion. 
They have also contacted my family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with an item on my credit report through Experian. They came back stating that the report information is true. I previously paid this to a debt collector for a lesser amount than what shows on the report. The other two reporting agencies have already recognized this and have since removed from my report. Experian is the only one trying to keep this on my file. My dispute number with Experian is as follows. XXXX Experian should be able to find this informantion using that number and all the details.
Product: Mortgage

My mortgage increased from XXXX to XXXX. I live on a XXXX pension of XXXX per month and can not afford this increase I can not sell my property because I still have an insurance claim due to hurricane last XXXX
Product: Mortgage

My name is XXXX XXXX XXXX. I filed a complaint against J G Wentworth and they responded with the same old line of XXXX I have tried for at least a month maybe two to get them to release the tapes that they say they have of the conversations between XXXX XXXX and myself about the loan application. On my first call to JGW I told XXXX of the situation that came up between JGW and my wifes loan with the company. She had an intestinal blockage and had to have XXXX XXXX and was in the hospital for about 10 days. In order to pay the mortgage I instituted a XXXX ( i thought ) with JGW to automatically draft my account for the payment. They did not take the payment because they said the payment was past due. I never heard from JGW that this was not in place. I was tending to my wife that almost XXXX of her blockage. I told him about this on the first conversation we had about a loan for a rental house I wanted to acquire in XXXX TX. I am an XXXX XXXX and knew that this situation needed to be vented before I start spending money on the process. He said no problem so we went forward with the loan application which cost me in the end {$25000.00}. At closing day, I got a call from XXXX telling me that the loan was denied because of the past due payment. ON THE MORNING OF THE CLOSING. Just a week before he said that he was 100 % sure that the loan would close the following Monday. Well it did not. 

I also need the tape or transcript from my conversation with a XXXX XXXX who I talked to and made the payments through to JGW. I told him the story and he even waived the processing fee. The late payment was reported on my credit report even thou I was not on the loan. 



All of this happened within JGW. My wifes loan on our home is with them. ( the one that was late ) and also the application was to JGW. you would think that they knew what was going on within their own company. 

I have tried to obtain this information from JGW to file  suit for this injustice. They will not tell me anything. Does JGW have the tapes and if so can I get a transcript or the tape so continue my efforts to right a wrong. I have been dealing with XXXX XXXX at JGW. He said that they would do an complete investigation concerning the above situation. All he came back with is that the loan was denied because of the past due payment. My wife and I have never been late on a mortgage payment. We are XXXX and XXXX years old and have owned our own home since we were XXXX. 41 years of paying our obligation to a mortgage company and then I run into JGW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'll keep this short and sweet. 4 times I've tried to dispute my XXXX account due to the terms listed on the loan being incorrect and asked for deletion of my account as a result of this error. The terms listed on the credit report for this account was 74 months and I sent in the signed contract which staed " 72 '' months. I've done this MULTIPLE times and here were the results. 

Dispute completed XX/XX/20 updated from 77 months to 74 months XX/XX/20 remained on report XX/XX/20 updated from 77 months to 74 months Keep in mind I'm sending evidence everytime. Hopefully now a human can look at this error and delete this account. 

All dispute results and contracts are included.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$9400.00}
Product: Debt collection

XXXX XXXX Received a bill from debt collector Spire recovery solutions XXXX Www. Spirererecoverysolution. Com Stating I owe {$3700.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This has been paid in full photo copy 's stating as well. 
Further more. I have no income now due to health issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern, I heard about this website from a friend that had some issues with a collection company in the past and I wanted to reach out to you all because this company has been reporting an old sprint bill on my credit report for the past few years. I had gotten them removed MULTIPLE times and they are persistent in coming back onto my report! 

Firstly, they have no right to sell my information or purchase it without my consent and this is a completely different company that is collecting this SUPPOSED bill that I definitely do not owe! They need to show some proof of anything and they have not and they continuously keep reporting on my profile. If this does not change I plan on pursuing legal help in the following few months because it is really impacting my credit! 

Please reach out to them and let them know I want this removed permanently or there will be a lawsuit pending because this is ridiculous. Thank you. Below is the account number attached to my profile. Please remove. 

SPINT ACCT # : XXXX XXXX XXXX.