23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I had a hardship, and had fell behind on my mortgage payments. I was approved for the Maryland XXXX XXXX, and they have submitted funds to my mortgage company on XX/XX/2022, and the mortgage company has yet to say they received the funds or applied to the account. I have been working with a housing counselor as well, provided proof to the mortgage provider of the payment from Maryland XXXX. 
It has been over a month, and it should only take XXXX days to process, and I need to know if I need to make my mortgage payment for XXXX or not. 
I have called almost everyday, and they say they see I was approved and working on the funds and have not received them yet.
Product: Payday loan, title loan, or personal loan

I applied for a loan on XX/XX/XXXXand got approved for the loan and after I check my email the company keep sending me a notification about my payment coming due on XX/XX/XXXX, so I make arrangements to pay a half of the loan which I got approved for {$250.00} and I paid {$100.00} on theXX/XX/XXXX so the new year comes around and I get another notification in my email on XX/XX/XXXX saying I have a payment coming due and I just paid {$100.00} on the XX/XX/XXXXit has not been thirty days for me to pay the remaining balance instead I applied for a extension until I get paid the follow month so I got approved for the extension but in the meantime they charged me {$100.00} for me to extend my extension until the next month but they did not tell me that they charge for an extension they just put it on the account at the last minute saying I knew it at beginning of the contract when I did n't not know so if they keep charging for a extension I would end up paying more than what I borrowed.
Product: Mortgage

I have been on forbearance and am now trying to exit by using the partial claim/junior lien process . I have been in touch with Mr. Cooper representatives and they keep saying I owe {$25000.00} but my mortgage loan statement says I owe {$19000.00}, which includes the missed escrow payments. They have now sent me a letter stating the {$25000.00} amount will be on the junior lien. I have not signed anything yet because of the discrepancy but the end of my forbearance is XX/XX/XXXX. 
My escrow was included in my monthly payments but they are saying I also owe the escrow amount again. So I would be paying the escrow amount twice. Once, within the {$19000.00} amount and then again for the escrow balance of - {$5600.00}. I called Mr. Cooper again yesterday. I can't get anyone there to see my concern, they just say I owe it. I asked this to be escalated to a manager but they told me it would be 24 to 48 hours before they get back to me. In the meantime they are preparing the documents for the junior lien with the wrong amount. 
The partial claim " plan '' says the junior lien is for the amounts I did not pay during my COVID-19 hardship. What I did not pay was {$19000.00}, as of XX/XX/XXXX. 
Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke with XXXX, XXXX, and Transunion representatives concerning the potential of bogus accounts being made using my customer data. I implored everyone to delete these accounts since I had no idea how they got there. All three companies advised me on how to keep track of things and fill out an FTC form. On XX/XX/XXXX, I sent my information by ordinary mail. Even though I had filed my letters more than 30 days before since they had been " verified, '' the accounts that were not mine were still shown in my paperwork. This situation bothers and irritates me since it inhibits my family and me from purchasing a property. On XX/XX/XXXX, I contacted the three firms again to see how they could prove that these accounts belonged to me. They suggested me to speak with the debt collectors directly since they indicated there wasn't much else they could do to help me. Every bank that the client called at the same time and referred to me had been phoned incorrectly ; they had no idea who I was or what the accounts were about. An online check was conducted to ensure that I was not mistaken. My buddies advised me to visit the CFPB website. I'm hoping this works since my family and I need need the house we're attempting to buy.
Product: Checking or savings account

I deposited a check through the Capital One mobile app in the amount of {$4700.00}. They are holding the funds for XXXX days and refuse to release the hold.
Product: Credit card

i never used this card. i was applied as an authorized user. I made a payment inside the branch to bring current and to stay active. the bank never stated my payment would take three - four business days to apply to the credit card. A week later i received a collections letter. i called the collections office and they had no record of my payment. this card should have stayed active as i was making payments.
Product: Credit reporting

In XXXX, I sold my business to my other partner and told XXXX in XXXX, TX to remove me from the account. At that time I had no more access to online statements to that account and I received no more paper statements. So I assumed that I was removed off. However, in XXXX that account was in overdrawn and somehow my name and social was still tied to this account. The address is a place that I have never lived. In my 6 years with the bank I was never past due or in default. They had keep the account open because of my business partner was also on this account. It should have now been completely in his name which the obviously did not fix. I was never contacted to rectify this situation and it was just thrown on MY credit report. They refuse to fix or take any responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as collection/charge off. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, Experian, and XXXX  ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Product: Checking or savings account

I'm attempting to make a payment to a service provider, and PNC does not permit XXXX to link my account. I do not know how to pay the provider now, and may lose a vital service that will be essential for my family. Frankly, it is unfathomable that a banking institution as large as PNC does not participate with XXXX, or what I assume is it's sister company XXXX, as my internet browser linked to instructions on paying this provider through XXXX.
Product: Vehicle loan or lease

This company NCB Management Service Has Violated All of the Consumer laws first they repossess my car did not give me my 3 disclosures didn't receive any paperwork about the repossession also included inaccurate information on the credit report which against consumer laws which I did not receive paperwork of where the vehicle was located and that is very unlawful and fraudulent tactics. I also send them a cease and desist letter however they sent me a receipt of this illegal debt and did not comply.
Product: Checking or savings account

I had a checking account open with US bank and was having some issues with making withdrawals from my account after a friend sent me some money. I had an account balance that I needed to transfer in a timely manor for an investment opportunity and they had failed to release my funds to me or make the wire transfer I requested. 

I have missed out on a lot of investment opportunity because the hold or " investigation '' they put on my account. They said they are closing the account and would mail me a check for the funds in the account which I have not received after two weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Debt collection

Collection agency is reporting on my credit report, but has not provided the requested sufficient information about alleged debt. 
I initially contacted SW CREDIT SYSTEMS L.P. on XX/XX/XXXX after I noticed a strange entry on my credit file that I had no knowledge of. I emailed the company at XXXXXXXXXXXX and also at XXXXXXXXXXXX. I received a response back asking to verify my address and some information about this account will be mailed to me. I did receive this piece of mail, but it was just a random bill. A bill that I had no knowledge of. I did not recognize the account or the charge. I then asked for SW CREDIT SYSTEMS L.P. to provide proof On XX/XX/XXXX. I outlined that by law they must exhibit an authoritative copy of the obligatory instrument or record, timed and date-stamped, which identifies SW CREDIT SYSTEMS L.P. as the assignee of the alleged Secured Party as the assignee of the record or records. To be valid, copies or revisions that add or change the Assignee of the authoritative copy can be made only with the participation of the secured party pursuant UCC 9-105. This was not received. They also had an additional account number on file, which I never held a contract at any time with SW CREDIT SYSTEMS L.P. and believe this may be identify theft due to the fact that the requested documents were not received and  they have my personal information reporting on a debt to which I have no knowledge up with an account number. Please help me remove this information from my credit file ASAP. It has been well over 30 days and proper verification/validation has not been established in addition to the identity theft. This is damaging my credit file and is restricting me from obtaining items based on my credit worthiness. If not removed I will be seeking damages as outlined under the FDCPA which are {$1000.00} per each occurrence.
Product: Debt collection

Can you remove this item from my credit remove please? XXXX has already done a REAL investigated and has determined it was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing the reporting of my XXXX account. Due to the COVID-19 shutdown I could not make my monthly payment. I missed 2, I contacted XXXX through email regarding my account. They responded by asking me to call the customer service depot to which I did. 
I explained my situation and XXXX on a reduced monthly minimum payment of {$70.00} for 6 months. This payment is automatically drafted my account On the XXXX of every month. Im disputing the fact that even though we agreed on the reduction in monthly minimum, they are still reporting me as 60 days late. I was not told by the XXXX rep that I would still be reported as late even though I am paying the {$70.00}. This is incorrect information as I am on a payment plan and I am making the payments as agreed upon, without fail. Due to the COVID19, I was laid off of my job due to my industry deemed non-essential. 
Experian did not help in this matter. It took them less than a week to give me the same answer as XXXX did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft and I notified Equifax and XXXX XXXX XXXX to dispute a fraudulent eviction account in the amount of {$6100.00} which has been inaccurately reported since XXXX of XX/XX/2019. The fraudulently account continues to be inaccurate reported on my credit file even after I have provided documentation from the FTC, IRS and police showing that my identity was stole by XXXX XXXX XXXX. I have filed numerous disputes to no avail. 

Respectfully, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I opened an XXXXXXXX XXXX XXXX  credit card. The lending company for this card was XXXX XXXX XXXX. The consultant 's name at XXXXXXXX XXXX was XXXX XXXX. During my consultation with XXXX, I was told the procedure would cost {$4800.00} and under the promotional credit plan, I would not accrue interest for the life of the loan. If however, I was late with a minimum payment, she stated I would begin to accrue interest at that time. The only documentation I got from her was a copy of my credit application. 

From XX/XX/XXXX to XX/XX/XXXX, I faithfully made " on time payments '', always over the minimum amount due, and made sure I wasn't late as to avoid interest charges. However, on XX/XX/XXXX I was charged accrued interest in the amount of {$1600.00}. I called XXXX XXXX to inquire as to why I have this charge and was told I didn't pay off my promotional plan by it's due date and that they had closed all accounts related to XXXX XXXX ( reasons which could not be discussed with me ). Because I did not have anything in writing from XXXX XXXX, I had no proof of our verbal conservation. At that time I reviewed my online statements and credit agreement to find in tiny writing that I needed to pay entire balance by XX/XX/XXXX. During XX/XX/XXXX, I paid off my account in full with the exception of more additional interest charges after my statement date. In XX/XX/XXXX my balance was {$51.00} which I paid in full on XX/XX/XXXX, a day late, and was charged {$29.00} late fee. I again called XXXX to inquire about a late fee on a XXXX balance and was told since the account " XXXXXXXX XXXX '' is closed they can't reverse the charge. I am someone who is meticulous in paying bills and has never been previously late on a payment with XXXX but somehow they don't see it appropriate to waive this charge and would not help to resolve the accrued interest problem. This is poor business etiquette and unfair to an unsuspecting consumer. I would not & will not ever recommend this bank to any of my friends or family. I have other credit cards that have a promotional ending date but each time I go to make a payment, I'm clearly alerted of my promotional end date. Can this be something XXXX XXXX  can add to their lending practice? Can XXXX change a policy that would give a 3 day grace period to make a late payment? Can they routinely send alerts to customers of changes in an agreement? Just a few suggestions for improvement.
Product: Student loan

I tried to have all student loans consildated and receive loan forgiveness that I paid for, but this one loan continue to Bill me. For XXXX dollars intrest XXXX dollars I do n't know what to do about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account # XXXX XXXX XXXX XXXX currently reporting to my Equifax consumer report has exceeded the Statute of Limitations for the State of MO.
Product: Credit reporting, credit repair services, or other personal consumer reports

On background check and credit report I have address that I have never been to. I have never lived at that specific address.
Product: Student loan

On XXXX XXXX a payment of {$600.00} was withdrawn from my checking account. I logged into my ED financial account to schedule another payment only to then see a notification that my loans were transferring to their new server. I was unable to schedule another payment and realized my {$600.00} was never applied to my balance. Since then I have spoken to numerous people and Im being told that my payment is processing and that I need to be patient because it takes time! Last week I made a payment since interest is accruing and payments are starting back up. That payment had no problem processing! Still waiting on my {$600.00} to be deducted from my balance. It has now been over 8 months. This is unacceptable! Next I will be contacting the ombudsman and open a whole can of worms and hope a huge investigation is started. Ive tried to be patient. Either give me my {$600.00} or deduct it from my balance! Im now paying interest on {$600.00} that shouldnt be there.
Product: Checking or savings account

On XX/XX/2020 from my Chase business checking account were stolen {$4000.00}. 
Some one hacked my account and did 2 online transaction {$2000.00} to XXXX and {$2000.00} to XXXX XXXX XXXX. 
I called to Chase to report about fraud XX/XX/2020, but due to COVID-19 customer service line was closed at XXXX XXXX and robot told me to call next day. 
I did. Chase torn back money but after 1.5 week took {$4000.00} from my account back. The reason was : investigation didn't find anything suspicious. 
I called to customer service again, went to the branch to let them know that I didn't do those transactions. Closed old account and opened new one. 
I called many times to customer service line, asked provide detail investigation. Chase didn't provide any detail information on my claim, just stated that I did it. 
On XX/XX/2020 I spoke with Chase online banking IT department and XXXX gave me information that an unauthorized transaction from my business checking bank account was made on XX/XX/2020 at XXXX XXXX from IP address XXXX. That IP address belongs to XXXX, TX. My location is XXXX, IL and I didn't travel XX/XX/2020 and was at home in IL. 
I called to XXXX company and XXXX XXXX XXXX to find out what is my cell phone IP address. All activities in my online banking account on XX/XX/2020 were taking though my cell phone IP belongs to Illinois or PC IP belongs to Illinois as well. 
XXXX XXXX XXXX representative stated that most likely it is a fraud scheme, cause all IP addresses shows current location. 
Also on XX/XX/2020 I got a suspicious text message from Chase, but phone #, that it was sent from, belongs to the Taxes area. 
I reported to Chase all of that, but no actions from Chase was taking. 
I went to XXXX, IL Police and reported about stolen money from my account. 
When Chase restricted my checking business account and took back from it {$4000.00}, I got negative balance on it. 2 weeks I tried to transfer money from my saving account to cover negative balance, but due to account was restricted couldn't do that. I called to Chase customer service, asked how to transferred money. Chase customer service was sending me to the branch, when I was going to branch, they told me to call to customer service. It took 2 weeks and after Chase bank charged me for {$25.00} because of negative balance on my restricted account!!!. Despaired I went to the branch again and Vice president transferred money from my saving account to business, but I still have {$25.00} fee. 
I called to customer Chase service again to ask to reopen claim and to provide me IP addresses that all transactions were made from and also IMEI #. All answers that I got from Chase was : " Claim is closed and we won't do reopening ''. Chase didn't provide any official report on that. 
Also on XX/XX/2020 from my new checking business account money was stolen again. I reported about that immediately, but Chase didn't return it. 
If you will need any proofs from my side, including police report, please feel free to reach me out. 
Please help me to return my stolen money
Product: Mortgage

On XX/XX/XXXX at XXXX XXXX I closed on a property that had a mortgage with Ditech in XXXX XXXX XXXX. Ditech 's closing instructions required a closing fee of {$550.00} to cover the cost of their attorney XXXX and XXXX XXXX to attend the closing and collect the payoff check. Both of these items were completed as required. However, Ditech posted the payoff to my account onXX/XX/XXXX claiming that they did not receive the payment until that date and that it was wired. They went on to reported to credit bureaus non payment for the month of XXXX and make additional notes inXX/XX/XXXX that have brought my credit score down significantly. They also refuse to return any of the per diem that they owe me fromXX/XX/XXXX - XXXX. I have contacted them numerous times via phone and in writing to no avail. I have also reported them to the BBB and they refuse to make adjustments. 

From a legal, professional and ethical standpoint, XXXX and XXXX acted as Ditech 's agent, extension of their company in a legal capacity and was in receipt of my payoff as ofXX/XX/XXXX at XXXX XXXX. My account should reflect the exact date and time of the receipt of that payment. Ditech 's internal process is none of my concern nor should I be penalized for their complex internal protocol.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or update the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a Mortgage with US Bank. I use there online payment system to make my mortgage payment. I Like to have serval months of mortgage payments paid in advance. so I pay in advance in case something happens and i cant make the payment. 
In the past this was not an issue with the bank, but NOW it is for some reason I have had st spend several hours on phone correcting this issue with them and they have still not resolved the issue. When i make an EXTRA payment on my mortgage it does not show that i made an extra payment after the payment has processed like it use to in the past. So when I call they tell me that the payment was put to 100 % of my principle. Which it should not have been. This makes it very difficult for me to keep track of the actual principle and interest on my account. It also effects my taxes because in my payment I pay my taxes to the bank and then they pay it to the Tax collector when it is due. This has also caused issues when they pay my taxes in the past which has made me pay penalties that the bank should have incurred, not me. If they cant do their job that is not my fault especially when i have no control when the money gets sent out. It also could potentially make me late in my payment if I did not know this, not to mention is against the law. I would ask that this gets resolved with this bank because by doing this they are creating false Financial Accounting which I would assume helps the bank get more money for loans which is Against the law. This is not to mention that it makes it very easy for them to ACCIDENTLY continue to make this mistake and it makes it harder to keep track of my actual payments that are made and my Principle, Tax and Balance of my mortgage. Please address this problem with this US BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts since last year so this is the reason for the complaint. The account is inaccurate but its still reporting on my credit report.