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

I had a joint credit card with another person thru XXXX XXXX XXXX, this other person had a problem with this band and closed all his accounts and they closed the credit card, they didn't consult me or inform me of them closing this credit card, I placed a call and they told me there was nothing that could be done. even though all the charges on this credit were not mine, I continue paying on the credit on time, there was never a late on this account for the past year or so. 

On XXXX the XXXX of XXXX, I tried logging on to my online banking at XXXX XXXX to make my usual payment towards this credit card and discovered that the account had been removed form my online banking, without any notice whatsoever. I call and was send over to the bankruptcy department. they refuse to give any information. I kept calling to get information on the account until finally on XX/XX/XXXX I was able to get information form the credit card department. they told me that the account was in charged off and she couldn't access the account. I responded that I needed to make a payment on the account and I didn't wanted to be late. she gave me an address and told me to send the payment there. at that point didn't want any more problems with this credit card and I manage to put enough money together to pay it off, and I did I send them the whole amount and paid it off completely on XX/XX/XXXX. 

Until today the account still shows delinquent and charge off on my account. every time I contact XXXX XXXX they tell me there is nothing they can do. I want as far as requesting a credit report from experion on this account and it shows all payment where made on time. 

My credit score before this problem was in the mid 700 and know is in the mid 600. this problem is affecting me greatly and I want all this removed from my credit report, because all the information that XXXX XXXX reported is totally incorrect. 

I was in the middle of purchasing a home and know I had to put everything on hold because of XXXX XXXX  not reporting information correctly.
Product: Mortgage

I am unable to pay more mortgage for financial hardship. I have been in close contact with my lender since XX/XX/XXXX and filled out paperwork for a deed in Lieu of Foreclosure. A month after submitting this paperwork, we received notification from our lender that our XXXX loan on the property was transferred to another lender ( prior to this Ocwen, our lender, held XXXX loans ). The Deed in Lieu was rejected on account of this XXXX lien on the property, Ocwen had created. The lender told me if the lien was cleared I could avoid foreclosure with a deed in lieu. Friends helped me pay off the XXXX lien in XX/XX/XXXX. I then resubmitted the Deed in XXXX paperwork ( in XX/XX/XXXX ). I also sent a letter from the XXXX lender which stated that my loan was paid in full, and in XX/XX/XXXX I sent a copy of the " Certificate of Discharge '' from my county courthouse. I have keep my relationship manager at Ocwen abreast of all of this and she acknowledge receiving all these documents. Then the months following this, my regularly scheduled phone appoints with my Ocwen relationship manager consists of them telling me there 's nothing to report yet as they are doing " just XXXX final check. '' But after receiving a Pre-foreclosure certified letter from Ocwen, I called to find out what 's wrong. My relationship manager was unavailable so I spoke to an alternate, who told me they had no record in my file of my re-submitted Deed in Lieu paperwork or the XXXX lender letter release or Certificate of Discharge mentioned above. She told me to fax her the Certificate of Discharge and she would expedite it to the Deed in Lieu Dept. This I did XX/XX/XXXX Still almost two months later Ocwen has nothing to report but tells me the Deed in Lieu Dept. is behind. Meanwhile, while the property is not yet in foreclosure the time surely nears. Further though Ocwen has told me all through XX/XX/XXXX that my Deed in Lieu is still open and active, I received a mailing XX/XX/XXXX stating they did n't have the XXXX ( Deed in Lieu ) paperwork. So XX/XX/XXXX I re-mailed a copy of this document that I had sent them back in XX/XX/XXXX. I feel Ocwen and my relationship manager are doing nothing but waiting for my property to foreclose.
Product: Credit reporting or other personal consumer reports

I am concerned, I was advise on different platforms of a loan I did not apply for. Please do not proceed with this loan. 
Company XXXX XXXX XXXX ( XX/XX/year> ). Please remove immediately Im not liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is being 1. reported as late post COVID-19 modification and 2. is reporting the incorrect amount of being late.

After signing and notarizing the modification agreement I scheduled two auto drafts ( TOO BE TIMELY! ) in the amounts of {$1300.00} on XX/XX/2021 for XX/XX/XXXX and XX/XX/XXXX. This was done by a Quicken employee mind you. 

Quicken ran an escrow analysis on XX/XX/2021 after those auto drafts were scheduled. The escrow analysis showed a shortage of $ XXXX monthly. The auto drafts were taken and come XX/XX/XXXX after setting up continuous auto drafts myself the payment was cancelled due to being behind. After noticing on my account no payment was taken I called to learn that I was delinquent. 

The affected auto drafts were not cancelled. The attempts to reach me were automated calls like every scam call. Their system was never updated with my current residence even after informing them that I do not occupy the home concerning this mortgage. 

Im being reported delinquent on the full amount of {$1500.00} even though its an escrow issue that affected no party. Now my credit suffers over incompetence from Quicken and I perceive this to be an anti-competitive tactic that affects a borrowers ability to refinance the loan in a highly competitive market. 

The delinquency is inaccurate and unjust. The amount delinquent is also falsely reported and this is a result of post modification underhanded tactics to prevent Quicken from losing business/interest income. I cant even IRRRL my loan by VA guidelines now. Im not only a veteran, former employee of the XXXX, but Im also a mortgage underwriter. 

This is a level shady tactics on par with XXXX that spawned the CFPB. Please investigate and admonish such dealing by unsavory lenders.
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to TD BANK USA/TARGET. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Product: Debt collection

I have been dealing with XXXX XXXX  and XXXX XXXX since XXXX on this matter to no avail. They charged me for my phone on XXXX on my XXXX XXXX  Bill and my XXXX XXXX card in the amount of {$420.00}. I paid this in full on my XXXX card months ago. 
They turned me into Convergent ( account # XXXX ) ON XX/XX/2022. 
I tried resolving this through the XXXX  and this has been a nightmare. 
They wrecked my credit score and I want them to fix it. 
I need help please. 
I am going back to teaching school next week and have no extra time to deal with these people. SHAME on XXXX. 
I appreciate any help that you can offer me. 
Warmly, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to correct the negative information you reported in my file. 
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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Homebridge financial Services , Inc serviced a fraudulent mortgage loan on the basis of a mortgage note on our property ( Addressed at : XXXX XXXX XXXX, XXXX, TX XXXX ) on the XXXX of XXXX of XXXX The mortgage loan has been recorded in the XXXX XXXX with the mortgage identification number of XXXX. 
Since we did not have any legal business relation with this servicer I need to know the following information : 1. Was Homebridge Financial Services licensed as a mortgage loan servicer in Texas in XX/XX/2015? 
2. Who was the borrower of the fraudulent mortgage loan? 
3. When was the mortgage note executed? 
4. When was the mortgage loan account opened and when was it closed? 
5. Who is the lender of the fraudulent mortgage loan? 
6. Has there been a deed of trust executed in XXXX XXXX or anywhere else for this mortgage loan? 
7. What was the loan amount of this fraudulent mortgage loan? 
8. What type of mortgage loan was it ( FHA, VA, Conventional etc? )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

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: Debt collection

XXXX XXXX XXXX, XXXX, WI, has sent {$660.00} to a collection agency, XXXX XXXX XXXX XXXX XXXX. I have never received any statement from XXXX XXXX nor have I received any phone calls. I have moved once and have had a forwarding address in place. I have had the same phone number for the past 8 years. XXXX XXXX has a vendetta against my now ex-husband, XXXX XXXX, over an employment dispute. XXXX has sent letters from attorneys to XXXX with my name included. I am not responsible for anything that they have with him. I have left several messages at XXXX regarding this matter and no one has even tried to contact me. I discovered this issue when the collection appeared on my credit report on XXXX/XXXX/XXXX. XXXX XXXX has not followed the guidelines proper billing. Not only are they not following guidelines, but they are trying to add on debit that does not belong to me.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX I redeemed some of my rewards points for my suntrust credit card for three {$100.00} XXXX gift cards. They never arrived. I called Suntrust and they were very unhelpful, they refused to just give me the gift card numbers, or to cancel the gift cards and send new ones. I also filed a complaint on XXXX I believe but I have heard nothing back from them, they have sent me no updates, or even an acknowledgement that my complaint was filed.
Product: Student loan

I called Aidvantage in XX/XX/XXXX to request a loan under the Federal Student Loan Debt Relief, for which I should receive roughly {$5000.00}. After speaking with a customer service rep, I was told I should see my refund within XXXX weeks. Therefore, I should have received the refund in approximately XX/XX/XXXX. 

In XX/XX/XXXX, I called Aidvantage to follow up and ensure there were no issues. Although the loans had re-appeared on my credit report, I had yet to receive any notifications from Aidvantage regarding my request. The customer service representative told me that my request for a refund was never submitted. They stated that they could present the proposal now ; however, it would take an additional XXXX weeks to process. This meant that I would receive my refund in approximately XX/XX/XXXX. 

I called Aidvantage on XXXX XX/XX/XXXX, and the customer service representative told me that I needed to wait another week and, if there was nothing processed, I should call back. 

I called Aidvantage on XXXX XX/XX/XXXX. The customer service representative was extremely rude and told me that I needed to wait another week and that if there was nothing processed, I should call back. 

They also stated that when the refund is processed, it will take an additional XXXX weeks before I see it, pushing the date I expect to see my requested refund to XX/XX/XXXX. 

The amount of uncertainty while dealing with Aidvantage has been astronomical. In addition, customer service representatives need to be more knowledgeable concerning refund processes and timelines. 

I am confident I will never receive my XXXX XXXX XXXX XXXX XXXX as promised. 

Aidvantage has no interest in processing my request. I am calling weekly for updates, but I need help to get through.
Product: Student loan

Debt collector named Performant contacted me about my student loans. I agreed to make a payment and authorized them to take payments from my bank account to rehabilitate my loans but they never made the withdrawals. Then they called claiming to be federal agents and threatened to arrest me and to impose other sanctions or penalties because I did not pay them. They were trying to collect for a loan I got through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX University. They also placed me in a program I was not qualified for so I had to withdraw.
Product: Credit card

I'v been charged extra tax on my device alone on my XXXX order XXXX Each item has a break down of taxpre shown on my FIRST STATEMENT but everything was apart of a bundle and purchased in ONE TRANSACTION. These items were apart of a pre-order promo for the XXXX XXXX XXXX  XXXX. I used XXXX financing that's backed by XXXX Bank to make the purchase, tax is 6 % where i reside. According to my statement the balance before taxes was {$1000.00}. I was charged an extra {$60.00} in taxes for taxes my phone ALONE it shows {$740.00} and i was charged {$100.00} in taxes for it. At 6 % sales tax my total balance that i should owe is {$1000.00} not {$1100.00}. My buds and watch were taxed correctly at 6 %. My transaction summary on XXXX shows {$1100.00} vs my TD statement of {$1100.00} a difference of {$12.00}. A statement and transaction summary/receipt should have the same amount of charges no more, no less. I'm pretty for sure people aren't catching on to these extra charges being added to the statement. I wasn't born yesterday {$740.00} doesn't equate to {$100.00} in taxes. Being charged extra is not what i agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two accounts reporting inaccurately to all three of my credit bureaus, I have attached pictures highlighting everything that is reporting inaccurately. Per the FCRA anything reporting to my credit bureaus should 100 % de reporting accurate. Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sirs I am writing this letter to explain why late payments were made to ( XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX ) from ( XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ). 
Meeting my financial obligations is very important to me, and I regret that this negative situation ever occurred. 

When I was an XXXX XXXX in ( XX/XX/XXXX-XX/XX/XXXX ) I was working for a XXXX XXXX   with a minimum wage, and my family from XXXX XXXX were helping me financially. In XX/XX/XXXX,  XXXX went into a war with the XXXX groups ( XXXX ) the country went into financial Crises. During this time, my family 's finances were strained they couldnt help me anymore, I lost my scholarship and my Minimum wage income was enough to pay for my rent and daily expenses. Even though I tried very hard not to miss any payments but it was hard. 

I am thankful to report that I after my graduation I have been working at a new position for over a year now. I have paid off all of the past-due account, and I have been on time with all my payments. 

I would like to Dispute those late payments, with the explanation of the humanitarian situation I was in out of my control. 

Thank you for considering our dispute. As you examine my finances, I'm sure you will see that I am very capable of making future payments on schedule. 


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

I called XXXX XXXX on XX/XX/2024 XXXX XXXX told me that their Collection agency ( XXXX XXXX ) take care of my issues, they no longer have my account!! 
I then called XXXX XXXX the same day, XXXX ( XXXX ) told me they no longer have my account, my account was Canceled/ no Collections!! 
Will send me a Email!! 
Stating information of Cancelation!!
Product: Debt collection

I sent them a letter and ask the to validate the debt they say I owe and also ask them on the phone. I ask them to send me original purchase agreement with all wet signatures. The last statement showing the balance in payment history and asked him to send it in writing and do not call text or email. They are texting me and threatened to sue me. Garnish me repossess my car. I sent the letter asking for the documents on XX/XX/year> I have not heard or seen anything from the courts that I have a court hearing whatsoever.
Product: Debt collection

Never got notification of a debt at all. Never given an opportunity to pay, all calls to the company go unanswered. No way to pay supposed debt or verify debt. Only found out it was owed because it showed up on a credit report as collections. I have stellar credit and history with all companies Ive ever been involved with. Im beyond upset about this turn of events and want the entire thing cleared up. If its a debt? Give me a way to pay for it! Its been a few weeks of attempts to clear up with no communication from this company. Should have been given not only notice of debt but a fair amount of time to pay it before any action was taken that resulted in marks on my credit report!
Product: Checking or savings account

I need my bank Huntington bank to approve my account information is correct so I can use the app XXXX XXXX.
Product: Checking or savings account

This is the second time I have reported this. 

I bank with JP Morgan Chase. 
On two occasions I have had items returned that I was not notified about via my online banking. 
I was not charged a fee, but I was also not notified items had been returned. One of those items was a utility/water bill. 
It is over 100 degrees in AZ and having water disconnected without my knowledge IS A HEALTH and SAFETY ISSUE not only for myself and my family but my animals as well. 

The only way I knew my payment had been returned was because the water company came to my home. I had no idea the payment had been returned. However, after the Water Company came to my home I received an email from the third party payment company the water company uses that the item was returned. 

I have reviewed Chase 's terms and agreements and no where does it say a customer is NOT to be notified by the bank when items are returned. 
When I contacted Chase they told me I should keep better track of my ledger. ( XXXX? ) I do keep a ledger, which is how I noticed the payment never came through my account via online banking account transactions. 

Again, Chase did not charge me an NSF fee, however, they never notified me the payment was returned.
Product: Credit card or prepaid card

From XX/XX/2021 Ive been disputing this charge on my Best Buy credit card with city they asked me for information I provided those information but still yet the charges is still on my account and that collection is calling my phone each time I call them theyre telling me its still underneath investigation from XXXX till now which bank in the world is disputing a charge for five months after they got information my attorney want me to take legal action with the bank because they are playing games I am in my rights to do such things because they are really playing games to protect a business while they should be taken protecting the customer
Product: Debt collection

This company popped up on my credit report last year, I had never heard of the company before and did not sign a contract to pay them. There was no initial contact from company about me owing the debt so I couldn't dispute it prior to going on my credit report and now they have have put themselves there they also call me 10+ Times a day by different numbers. I requested validation by mail and all I received were statements and something saying the debt was " sold '' to them. This is not validation of a debt and they should not have put themselves on my credit report without giving me a chance to dispute the debt.
Product: Debt collection

I was sued by a collection agency named Markoff Law for an installment loan I took out with another company named XXXX XXXX XXXX. On XX/XX/XXXX we reached a settlement agreement. The agreement stated I would make 3 payments of {$740.00} dollars beginning on XX/XX/XXXX in exchange no judgement would be filled and nothing would be put on my credit report and the debt would be paid in full. On XX/XX/XXXX I made the payment and faxed the signed agreement to Markoff Law and was told I did not have to go to court because they would have the judge sign the order and send me a copy. Instead Markoff Law took my payment and the signed agreement and still went to court on XX/XX/XXXX and filled a judgement for a higher amount and sent a garnishment on to my place of employment. I contacted Markoff Law and was told that a motion to dismiss would be filled. 3 weeks went by and they still did not fill a motion. So I filled a motion with the court to vacate the judgement. Markoff Law contacted me on XX/XX/XXXX trying to collect a second payment and threatening me saying if I didn't make the payment they would not dismiss the motion to vacate judgement even though that was the original settlement agreement in the beginning. Markoff Law and I made a settlement agreement. I kept my part of the settlement agreement and 2 days later they breached the agreement after taking my money and then threatened me after I filled my motion to get another payment.
Product: Mortgage

I had a mortgage with wells Fargo and unfortunately Lost the home during that period I applied for many loan modifications and worked tirelessly with the company to try to save my home at the end it was sold on short sale. I saw on the news about wells Fargo owning people Like me money I called the company and they keep telling me they have no records of my mortgage which I find odd its been 7 years and I dont have any records from that such as my loan number. I feel with my social security number they should be able to locate my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am infuriated with the credit system we have in place. Paying off a loan should not be a PUNISHMENT and it is to my XXXX XXXX EVERY TIME I PAY IT OFF! My XXXX XXXX dropped XXXX points and I am struggling against it when trying to rent a new home. 

I already have a bankruptcy on my report and this is the second time doing the RIGHT THING ( Paying off my loans ) Has shot me in the foot!