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

My mortgage was transferred to XXXX XXXX XXXX XXXX on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.
Product: Mortgage

I XXXX XXXX have contacted My Loan Care to ask to have my PMI removed from my mortgage and they stated that I need to request it in writing or through their email and get a tracking number well I 've done both so many times and still no tracking number from them and also when I call the reps tell me that did n't get my request to have the PMI removed from my mortgage. Before I requested to have the PMI removed I did my research to make sure I meet the requirements and I 'm still having a hard time and when I call now I ask for a manager and they never get on the phone or call back regarding peoples concern about there mortgage. This company has nothing but bad review and I really hate that my note was sold to them. They seem to only care about is a mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLETE AND TOTAL FRAUD. THE ACCOUNT IS OVER SEVEN YEARS OLD. THEY ARE NOT CORRECTLY REPORTING THIS IT  SHOULD BE REMOVED PERIOD.
Product: Payday loan, title loan, or personal loan

I don't even remember the dates but they keep threatening and harassing me. I'm not even sure of the amount. It was over 5 years ago and they took unauthorized money out of my account which after I had to close the account to stop from getting charged by my bank.
Product: Mortgage

Regarding a loan with Bank  United  in  XXXX , FL : The loan was originated for {$710000.00} in   XX/XX/XXXX  a nd was a negative amortization loan for a property in  XXXX , VA. It peaked in cost at approximately {$760000.00 } ( du e to negative amortization ) in la te  XX/XX/XXXX  ( Bank United has been unable to provide me exact numbers to date ). In  XX/XX/XXXX  the loan was modified by Bank United to its current state ( Bank United did this of its own acc ord ).   The property price was over-inflated and the bank did not use appropriated methods to approve the loan. Despite repeated requests over the years, the bank will not modify or refinance the loan and the home can not be sold for anything close to the outstanding amount of the loan. The only offer received has been for {$380000.00} and the outstanding balance is {$680000.00}.   I have repeatedly asked the bank for information and accommodation to no avail.
Product: Checking or savings account

On Tuesday XX/XX/XXXX I XXXX ( send money through an app ) to Chase Bank to cover pending charges. My XXXX money was pending clearly showing on my statement with the bank and one hour before my XXXX was to be deposited Chase then charged me an overdraft fee when clearly seeing that XXXX was going to be posted within the next hour. On XX/XX/XXXX I XXXX another {$20.00} to cover another transaction again my {$20.00} was pending and an hour before it was to be deposited Chase charge me another {$34.00} with a grand total of {$68.00} in 48 hours. I tried to call the bank and discuss this with them letting them know I'm a XXXX patient on Social Security XXXX SSI with an income of {$770.00} a month and any kind of fees would hurt me tremendously with my medication throughout the month they did not care. As I explained to Chase Bank on my Chase Bank app it clearly shows that my money from XXXX was pending to be put in there and that it clearly shows that they charged me an overdraft fee right before my XXXX money was to go in to cover pending charges. The charges had not even went through. I have been with Chase for 15 years and I've already closed one checking account and I would like to stay with them if they can work with me but if not I will close this account as well. I would like for somebody to help me with the situation because this is a big Bank charging big fees for nothing they clearly saw that I had money coming in there to handle the pending charges that had not even went through yet.
Product: Credit reporting

I disputed several inaccuracies in the information reported on my Equifax credit file, and the information was reported as verified. However, simple examination of the information reported makes it obvious that the information reported is incorrect as the timeline does not make logical chronological sense. Please correct the errors as they are reported. I am not disputing the accounts as to not to belong to me, I am simply the informational timeline as being inaccurate. 

1. XXXX XXXX Last Payment was XX/XX/2009 and not XX/XX/2009 as incorrectly reported. That makes the date of first delinquency to be XX/XX/2009 2. XXXX The date of last payment is missing completely from the credit report. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

3. XXXX Just as the account above, the date of last payment is completely missing. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

4. XXXX XXXX of XXXX {$290.00} The date of last payment listed here is incorrectly listed as the same date of First Delinquincy. These two dates ca n't be the same. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

5. XXXX XXXX XXXX {$5300.00} The date of last payment listed here is incorrectly listed as the same date of First Delinquincy. These two dates ca n't be the same. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

6. XXXX XXXX {$3600.00} The date of last payment listed here is incorrectly listed. It should be corrected to read as XX/XX/2009 and the date of first delinquency occurs 30 days later which is XX/XX/2009. 

All of the above accounts became delinquent in the same billing cycle of XX/XX/2009 as the last payments for all of my accounts were paid in XX/XX/2009. 

Thank you.
Product: Vehicle loan or lease

I am writing to express my serious concern regarding the status of my GAP coverage payment by Ally Financial ( AF ). My vehicle was deemed a total loss, and XXXX sent the payment on XX/XX/XXXX for this total loss, which was applied to my account. I promptly provided all required documentation for the GAP coverage through Ally Premier Protection Program ( APP ). My gap request was approved. APP sent the payment to Ally Financial on XX/XX/XXXX. I called multiple times because the payment was not applied to my account, despite according to APP, AF cashed the check on XX/XX/XXXX. XXXX XXXX XXXX Department told me that they had no record of the GAP payment from APP in their accounting system when searching through system. AF requested I then obtain the check number of the GAP payment from APP to investigate further. I contacted APP and obtained the check number. I provided the check number to the AF Total Loss Dept. When I called the next time, on XX/XX/XXXX I was informed that the escalation was complete on my account by the Total Loss Department at AF and they had no record in their accounting system of the check with the check number. AF Total Loss Department asked me to contact APP to confirm the payment address. Which I did, and AF confirmed that it was in fact sent to the correct payment address by APP. AF Total Loss Department then asked me to contact APP to get a copy of the check. Which I also did. I submitted the copy of the check in my online portal as well as to the email address given to me by the total loss department. 
However, as of today, XX/XX/XXXX, this payment still has not been processed on my account, and I am incurring late fees and experiencing a negative impact on my credit rating due to late payments. I have made multiple attempts to resolve this issue that was of no fault of my own with XXXX resolution.
Product: Student loan

I am eligible for Public Service Loan Forgiveness. The parameters of that program are making 120 qualifying payments while working at a qualified employer on a qualified loan. I made my 120th qualifying payment on XX/XX/XXXX. I submitted my application for forgiveness on XX/XX/XXXX and since then I have received so much conflicting information about the status of my loans. I initially received letters saying I did not qualify and that I did qualify. When I asked about that conflict I was told oh there is no problem. When I called again I was told to resubmit my application, which I did on XX/XX/XXXX. On XX/XX/XXXX I received a letter that Fedloan Servicing had finished my review and approved my application on XX/XX/XXXX and that they would send my file to Department of Education for final review and forgiveness. As of XXXX, my file has still not been sent to Department of Education for final review and forgiveness. Every time I have called I have been given the run around about what date it was sent over, only to find out today that it was never sent over. I submitted an employer certification form every year for the last 10-11years. My payments were all certified as well as my employer XXXX Department of Treasury XXXX. No one at Fedloan Servicing has been able to give me an accurate answer of where my application is in the process, or why it is taking so long. All anyone will say is oh it can take up to 6 months to process. There is no reason why this process is not more transparent, nor is there any reason for the process to take this long. We are now coming up on 3 months from the date I initially submitted my application. At the time of submitting, I had 11 payments out of the 120 that needed to be certified. There is no reason why a review of 11 payments should take so long, especially since most of these were {$0.00} payments under the CARES Act and I certified my employment of working with the federal government. The lack of information and the conflicting information received is a real disservice to their customers. As of today, I still have no received forgiveness nor has my application been sent over to Department of Education by Fedloan Servicing, even though they sent me a letter saying they have approved it.
Product: Prepaid card

I called into cash app XX/XX/year>, to created a billing investigation as it relates to experian credit charging me a reoccurring fee I never agreed too in the amount of XXXX. XXXX Opened the investigation, made me aware it would take XXXX days yet canceled my debit card with them on XX/XX/year>. I called XXXX, they then made me aware because the card was canceled the investigation was canceled so I would not be refunded, I asked the rep how is that possible when your company made the decision to cancel my card, She stated without that card being active they can't investigate the report on XX/XX/year>, She also made me aware a new card would be issues in a few weeks. I asked her over and over how does that parallel to the investigation you guys owe me XXXX dollars because I can prove it was false charges. The rep stated again because we decided to cancel you card for fraud we can't investigate nor refund you.
Product: Debt collection

I was previously contacted by this collection agency in XXXX about a debt to a doctor that I do not know. I have never even met this doctor. Supposedly this is about a XXXX that I had in XX/XX/ 2019.

But all of the medical bills were related to that XXXX were paid for by my medical insurance company. This bill was paid in 2019 by my health insurance 100 % and I have no obligation to this doctor. I don't even know who the doctor is. 

I explained all of this to the collection agency called Grant & Weber. They refuse to listen to me.
Product: Debt collection

Disputed that the XXXX XXXX school was adding on large amounts to a debt I knew nothing about never herd of the place until I seen my credit report.
Product: Credit reporting or other personal consumer reports

Please send my letters to XXXX. XXXX and Equifax. Thank you.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$0.00} ; EQUIFAX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent, unauthorized inquiries appeared on my equifax credit report 8 different times, and equifax has been hesitant to remove nor provide any proof of authorization
Product: Money transfer, virtual currency, or money service

My former employer issued me my last pay check after I have resigned from my job. That paycheck includes my regular worked hours and my Paid Time Off balance. The checks total is {$1600.00}. 
The name of the employer is XXXX XXXX XXXX XXXX, and the name of the bank on the paycheck is JP Morgan Chase bank. I live in California, and I was working for the employer ( XXXX XXXX XXXX ) here in XXXX, California. 
I went to JP Morgan chase bank branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, CA, to cash my check. The bank teller would not cash the check for me. She declined to cash the check, stating that the employer has a limit of {$1500.00} on the account, {$1500.00} being the maximum amount that the check can be written for and honored by the bank. I was very surprised to hear that because, my former employer would not have written me a check for {$1600.00} representing my earned wages and Paid Time Off, if they knew that the maximum amount they can write employees paycheck for is {$1500.00}. 
Not only the teller would not honor and cash the check for me, she also stamped the back of the check endorsement cancelled, which now prevents me from cashing the check somewhere else and even depositing it in my account. I tried to cash it at other check cashing agencies and even tried to deposit it in my account but none of them would take it because of that endorsement cancelled mentioned or stamped at the back of the check by the banks teller. Now I cant cash my paycheck, while I have some bills that were due and are now past due, that I needed to pay. I contacted the banks customer service number by dialing the banks XXXX number. I explained the situation to the agent I had on the phone, and she told me that she was surprised to hear that because they ( the bank ) do not have any such limit for that amount on that customers ( XXXX XXXX ) account. The customer service representative told me that any such limit for that amount does not exist, that the bank does not have any such policy in place. I understood that perhaps the teller I met that day at the bank simply did not want me to enter in possession of my rightfully earned pay, and simply denied me a basic bank service for which they are federally insured through the FDIC program. Now I cant cash my paycheck, and I dont have the money to pay my bills. This is simply not right. 
I have decided to speak out about it and file this complaint against the bank for such attitude of one of their employees ( the banks employees ). 
This happened on Saturday, XX/XX/2023, around XXXXXXXX XXXX  at the JP Morgan Chase bank located at XXXX XXXX XXXX XXXX in XXXX XXXX, California.
Product: Credit card or prepaid card

On XX/XX/2020 I called the Eppicard customer service line to check my balance. My balance was significantly lower than usual. I called to speak with the fraud department and filed a claim. They told me they would stop my card & send me some forms to fill out to claim fraud. I had 10 days from my claim to send the paperwork back. I received the paperwork XX/XX/XXXX, but I could not finish filling it out until the XXXX when I received my card and was able to create an account to log in and get the other fraud charges off my statement. 

I attempted to fax the paperwork to the number provided multiple times on XX/XX/XXXX but the line was always busy and the fax would not go through. 
I tried every time I went to work until it finally went through on XX/XX/XXXX. 

I called to check the status of my case and they gave me a date of XX/XX/XXXX they would have a resolution. It is now XX/XX/XXXX and they have yet to give me an answer, they can only tell me the case is still pending.
Product: Credit card or prepaid card

On XX/XX/19 I made a payment of {$230.00} and the customer service rep said that by making this payment I would be all caught up because I was behind 1 payment. So he told me by making this payment I would be paying for XXXX and XXXX and my Monthly payment would be {$77.00} with 15 % APR and my fees would be waived. 

On XX/XX/19 I called to make my XXXX of {$77.00} and to setup autopay. The customer service rep confirmed my payment amount of {$77.00} a month and said my APR was 11.99 %. So I setup my autopay.

To my surprise on XX/XX/19 barclay drafted {$400.00}. Making my kids daycare payments overdraft. I spoke to the manager and Confirmed it was a mistake and that I would be receiving a check for the refund of {$400.00} and here we are in XXXX and I still have not received that check. 

There were XXXX purchases I disputed because I do not use this card I am trying to pay it off. These charges are still showing on my account. Why? 

Oddly enough my available balance is only {$100.00} how is this possible when Ive made over {$700.00} in payments?
Product: Debt collection

XXXX XXXX XXXX account ( XXXX ) sent to collections for {$420.00}, I discovered the collection by viewing my credit report. The account is with I.C. Systems ( acct # XXXX ). 
Contacted XXXX XXXX XXXX on XX/XX/year> to request an audit of the account and last 6 months of billing, was informed that the billing could not be sent. 

I informed the representative that all equipment was returned and the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAR INC Never once contacted me. I have no idea or proof of such alleged debt. My XXXX XXXX XXXX have been relised to the Credit bure without my concent. They put a collection on my credit of XXXX on one reprt and XXXX on another with it beeing an open account like im missing payments monthly. This alleged debt is not mine to my knowlege and yet somehow without informing me of the alleged debt they are able to put it on my credit report and release my medical records without a signed hipa aggreament. 
Please help me get this off my credit report imediatly. 
I am looking at option to sue this company for reporting faulse debt on my credit report. This is my last attempt for someone to force them to be accountable and to not allow them to destroy my credit over some allegged bill I know nothing about other than what is shows on my credit report. 

Account info Account name NORTH AMERICAN RECOVERY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX This alleged account just appeared on my report I do not know of this sceem they are trying to pull. 

XXXX XXXX account. {$5.00}, 792 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5700.00} Balance updated XX/XX/XXXX Recent payment $ 200 Monthly payment {$0.00} Original balance {$5600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection
Product: Checking or savings account

They are intentionally holding my money and will not return the deposit
Product: Vehicle loan or lease

On XXXX, purchased an XXXX XXXX from XXXX XXXX XXXX located XXXX XXXX XXXX, XXXX, PA XXXX. Put a down payment of {$5500.00}, and financed {$14000.00} with Dealer Funding located XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. My monthly payments were {$370.00}. On or about XXXX, called Dealer Funding to make loan payment, and was advised by Dealer Funding associate that Dealer Funding can not accept my monthly payment. Dealer Funding associate advised me that Dealer Funding were not licensed in Pennsylvania to issued auto loans, and my auto loan has been transferred to XXXX XXXX XXXX. Requested an full refund, and my account to be a XXXX balance from the associate and advised her Dealer Funding committed loan fraud by providing auto loan to me without being licensed in Pennsylvania. Dealer Funding associate advised me there is not that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

After having to make the terrible decision to allow two credit cards to go to charge off status to cut off the incredibly damning interest rates and because they would not work with us on a plan with a reduced rate, I am being reported by Experian and the other credit reporting agencies as having 27 charge-offs by XXXX XXXX and 22 with XXXX  XXXX XXXX. 

There was one charge-off for each, and subsequently, I came to a payment agreement with both. I have been paying as agreed but they report a new charge-off every month. I am told that I can stop paying and then they must stop reporting. This is crazy. If you confirm that the reporting is right, then I will have to seek other action. Please advise.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed 11 different charges of {$8.00}, XXXX, XXXX, XXXX etc ... I immediately called Regions Bank because I noticed fraudulent activity on my account. I was told that since these charges were pending, I had to wait until the charges were approved in order to file a dispute. I then cancelled my debit card and ordered another card because I was not familiar with the charges. I knew I had been scammed! I then called Regions Bank and filed a complaint. While filing the complaint, I was told that I would be contacted within 10 days on a decision concerning the claim. After several weeks on receiving no answer, I called Regions and I was informed that I would not be receiving a refund because they deemed the charges authorized from the account holder. I vehemently disagreed with them and tried to resolve this issue. Those particular funds were sent to a " XXXX XXXX '' of which I do not own. There are a total of 11 consecutive charges on my debit card which is in itself suspicious. I would like these funds returned to me because I did not give any authorization to anyone whatsoever to charge me over and over of XXXX dollars! I was obviously scammed and Regions Bank is failing to see this. Again, I made no such purchases, neither did I give anyone permission to charge my card over and over for {$8.00}. Why would I then contact Regions immediately when I saw suspicious activity.