23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I entered into the mortgage forbearance plan that was offered due to covid with the understanding that payments Miss would be added to the end of the loan. At the end of the program I was sent a letter asking me to agree to the new terms that did add the paymentd to the end. I signed and mailed back with a payment. After a few days, I checked my account online at spservicing.com and the payment had not been posted. Plus, the website did not allow me to make my a payment. I called to ask that the issue gets fixed. The representative told me that the reason my account was on hold was that they did not receive the letter that I sent them back I signed for the new payment arrangement. They said I should email it so that they could get it right away and that the were going to stop the foreclosure process. I did not even know that they had listed my home to be auctioned this month. That explained why I was getting excessive amount of investment home buyers wanting to buy my home sending me mail, calling me, texting me, and even people knocking on my door asking me if I would sell them my home. 

I proceeded to scan and email a copy of the signed agreement on the same day. I then waited a few more days hoping that everything would be back to normal and that I could make a payment through their website the same way I had been doing for several years since I refinanced with them, but nothing had changed. I then called again and then the representative did confirm that they received my signed agreement by email but said that they were not going to accept it because it was received passed their due date. I explained that the previous representative did not notify me of any issues and told me that everything will be alright as long as I emailed them the agreement. After speaking with this representative for an extended period of time and asking them to get me in touch with their supervisors they did not change their negative statement. They only said that they would send me a new application to see if I could qualify for a loan modification I found this to look like a scam since they were not honoring the mortgage forbearance plan that the government said that they needed to provide. A few days later I received another letter telling me that my only options would be non-retention options. The options consisted of a short sale or a deed-in-lieu of foreclosure. I am not in agreement with either one of those options. I am prepared to make the mortgage payments I used to do before the covid forbearance or better. 

I believe that the actions they are taking are predatory since my home has a good amount of equity. I need some assistance talking to these people to put the loan into a normal status and so they don't take my home from my kids and me. 

Thank you for your help Select Portfolio Servicing Account # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased the vehicule XX/XX/XXXX. Paid monthly on time sometimes even paid more than needed. Unfortaneyly in XX/XX/XXXX i get arressted and go to jail until XXXX the vehicule gets taken while i was in custody.. when i got it and looked it up it shows me that Lobel Financial charged off the account in XX/XX/XXXX and CLOSED THE ACCOUNT in XX/XX/XXXX as well.. They also recieved one last paynent of over {$2000.00} for the vehicule. Now a couple months after that they are continuing to add on $ owed to them and the collection owed amount has continued to rise, regardless of them closing the account and charging it off
Product: Debt collection

portfolio recovery associates is trying to collect on I debt I do not believe is mine. They stated in the letter they purchased this bill in XX/XX/XXXX in regards to a phone bill not paid in XX/XX/XXXX they were not able to supply and address for this bill and the information they do provide is very vague. This debt would be XXXX years old if it was valid and according to the past history of this company I believe this to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this dispute against EXPERIAN for unfair and inaccurate credit reporting for an unvalidated All In XXXX Charge Off/Other Derogatory account. 

I have made four attempts to resolve the matter with All In XXXX and Experian. I have disputed this account without any action which is a violation of The Fair Credit Reporting Act. 

Charge Off definition based on Experian : A charge-off is an entry on your credit report that indicates a creditor, after trying and failing to get you to make good on a debt, has given up hope of getting payment and closed your account. Per the comments reflecting on my credit report : Unpaid balance reported as a loss by credit grantor. 
I requested a 1099 from All In XXXX by certified mail and did not receive a response. I called to follow up and spoke to XXXX XXXX and was informed I would not receive a 1099.

I am disputing payment history. This account date open is XX/XX/XXXX. That requires 5 years of payment history. This account is missing 37 months of that is required to make this account accurate and complete. Based on payment history is account does not reflect any payment history reporting from XXXX XXXX. Based on the reporting of this account it must be deleted based on FCRA Section 623 Responsibility of the furnisher of information to the Consumer Credit Reporting Agency Please delete the account the creditor is not reporting accurately on this account. 
The account is currently reflecting inaccurately each month to date as CO/Late payment and the account has been closed since XXXX. According to FCRA Section 623 the clause states that it is illegal for a closed/charge off account to report after the close date. Delinquent payments can only reflect on an open account. The account is a charge off and should not be reporting late and severely affecting my credit. 

This is inaccurate information and I demand the charge off to be deleted immediately from my credit report. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

They need to be held of violation of the consumer 's law.
Product: Debt collection

Portfolio recovery is reporting that Im in collections when Im on a payment plan on automatic debit payments, Im not late on my payment I have called and talked to them numerous times and they keep reporting inaccurate information on my credit report, I dont know what else to do about this.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX ) XXXX XXXX : XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN
Product: Checking or savings account

The XXXX  XXXX  in XXXX Illinois illegally used my credit card to charge for rooms that wasn't mine but my sister who paid for them on XXXX My bank denied the claim because the hotel apparently recreated documents with my name on them... 

They have inserted me in this transaction and I wasn't staying there.
Product: Payday loan, title loan, or personal loan

I am having financial hardship. I told the company however the company continues to call me two to three times a day. The company calls my house phone, my cell phone and my job. The company has came to my house and have left messages on my door. I have asked the company to stop however they continue to call but the company has not sent me a final bill. I have not received anything in the mail but the company has continually called me since XX/XX/2018.
Product: Student loan

Fedloan is trying to collect for loans against me that have no master promissory notes. Years worth of loans they say I owe, but they have no records of promissory notes for. 

I 've repeatedly asked for documentation that those loans are actually mine, and they referred me to my school. The XXXX fifth time I made the request for documentation, they sent me a fraud packet. Fedloan said my only option is to declare fraud. 

I think they are trying to collect on loans that I never agreed to. I do n't know if it was the school that made the error, or Fedloan, but there are tens of thousands of dollars in loans I never signed promissory notes for, and I get nowhere when I try to get answers.
Product: Student loan

I have been trying to receive updated information about my qualifying payments from XXXX  XXXX XXXX for approximately 6 months. I submitted my employee verification forms in XX/XX/2018 however they are " still being processed '' even though I was told repeatedly typically this takes roughly 90 days, it is XX/XX/2018. I should have approximately 24 qualified payments to my account. I have been calling almost monthly to receive updated information or to inquire about when I could expect the information to be updated. The only response I receive is that they are still processing the information and it will be updated when it's updated. When I have asked why this is taking so long they do not give me any additional information other than they are waiting on information. To which when I ask from who they do not have an answer other than, " We are just waiting on information ''. When I have asked to file a complaint or speak with someone who can provide me with clarification I was told there is no one of that nature at thecompany. 

It is extremely fustrating to constantly be told by people who have my loans ( i.e., my debt, my constant worry, my money, a huge chunk of my financial stability ) they do not have information or do not know any information. How can this be?
Product: Money transfer, virtual currency, or money service

XX/XX/2024, sold positions on Robinhood. Attempted to withdraw funds back to original bank account, but account was restricted immediately with no reasoning described. Attempted to contact Robinhood with no answer or ability to create support ticket.
Product: Debt collection

The balance was paid in full, but it is still on my credit history.
Product: Mortgage

I purchased my townhouse on XX/XX/XXXX with a mortgage loan from Wells Fargo Home Mortgage ( XXXX ), and I was fully satisfied with the terms and conditions, as I was when I refinanced the mortgage on XX/XX/XXXX. However, when I applied to refinance the mortgage in XXXX, a Wells Fargo Home Mortgage representative said that in addition to my master insurance coverage with XXXX XXXX XXXX XXXX provided through the XXXX XXXX XXXX that runs my property and that provided my master insurance since XXXX, I needed to buy an additional insurance to cover my personal belongings. Wells Fargo Home Mortgage can not possibly know the value of my personal belongings and, in my opinion, that is none of their business. From XXXX to XXXX Wells Fargo Home Mortgage did not need to insure my old sofa and a TV set, but when I objected to buying an insurance in addition to my master insurance, I was told that I would not be able to refinance, so I had to agree to buy a policy from Travelers ( XXXX ). A few days later I called Wells Fargo Home Mortgage and asked to speak with a manager, but the person I talked with said there was nothing that could be done. Since XXXX XXXX, I have been paying {$280.00} per year for the insurance I do not need, which comes to {$1400.00}. 
A few days ago, a friend told me about your organization, of which I have not heard before, and I respectfully request that you help me to refund {$1400.00} that I was forced to pay against my will. Since XXXX I never once had a late payment ( monthly payments are automatically withdrawn from my checking account ), both my wife and I ( we own the house jointly ) have been fully employed as university professors, and I think that Wells Fargo Home Mortgage had no reason whatsoever to inflict a force-placed insurance on us in addition to my master insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX, is maliciously reporting fraudulent and incorrect information on my credit report. I have tried for 4months to reason out and resolve this with them and they refuse to even carefully look it. Instead of responding to me, they would contact the credit bureau and report it as validated. 

Some of the charges on the account are fraudulent and they are aware of it. 
I have provided them with all the documents they requested from me. 
I have offered to pay everything in full so we can get it over with. Even after paying them in full with interest, they still refuse to correct these fraudulent charges. 

They are failing to comply with the Fair Credit Report Act to responded within the allowed time. They also intentionally forge their mail response date to make it look like they responded in time and I have US Postal dates to show as proof for it.
Product: Student loan

I applied and received a discharge on all of my student loans but this one. They refuse to talk to me and now they are having {$200.00} taken from my XXXX XXXX every month! 
I ca n't afford to move because of this.
Product: Debt collection

I TOOK A LOOK AT MY CREDIT FILE AND NOTICE THERE WAS A COLLECTION FROM PRO COLLECT, THAT does NOT BELONG TO ME. I SENT A LETTER OUT TO THEM IN REGARDS TO A FRAUDULENT COLLECTION I FOUND ON MY CREDIT FILE AND TOLD THEM THAT WAS DONE FROM AN IDENTITY THEFT, I HAVE NO KNOWLEDGE OF ANY SUCH DEPT I HAVE WITH PRO COLLECT AND ASK THEM TO PLEASE DELETE THIS COLLECTION FROM MY FILE AND THEY HAVE REFUSE TO DO SO. I JUST FILED A COMPLAINT WITH THE ATTORNEY GENERAL OF XXXX TX YESTERDAY AS WELL.
Product: Checking or savings account

I put money into an escrow account XX/XX/XXXX at Bank of America in XXXX NJ. Same tenant. XX/XX/XXXX I received notice of it going into unclaimed property. I signed the form took it to my local bank and they faxed it in. That should have been the end. But no. Got another notice and this time they had mistakenly taken the business off the account. Brought my tenant into the bank, she gave her driver 's license and noted that yes the account was in escrow with XXXX XXXX as the agent. All was suppossedly taken care of. Then on XX/XX/XXXX they closed the account and sent to the state as unclaimed property. I have tried to find it at the state and can not. Have no idea how to get this money back. It is techically my tenants being held in escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is seven hard inquiries on my credit report. I have send in certified letters for removal over 45 days ago XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Checking or savings account

I was a victim of fraud and my bank, USAA, decided to change my checking account to credit only before they close it permanently by end of XXXX. I had tried to redirect my VA compensation check to a different bank, since my current account is in the negative due to fraud. My check was accidentally deposited in the wrong account and now USAA is refusing to give it to me because the amount went toward the negative balance. I'm a single mom of two kids on a low income and my rent is now overdue.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The cfpbs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting

My student loans have been discharged by the Department of Education due to XXXX. I now no longer owe anything on these accounts. These accounts should read as closed with XXXX balance. Here are the account numbers : XXXX, account # XXXX ; and XXXX accounts with Department of Education XXXX, all with account # XXXX. Equifax refuses to make the adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for increased amount of life insurance. Offer came back at a higher premium than quoted. Unwriter referenced Lexis Nexis score as the reason why. Have secured the full Lexis Nexis report. It is grossly inaccurate. Following are the inaccuracies : 1 ) A former roommate is listed 11 times under the " Identification Records '' with my social and birthdate.

2 ) There was no lapse in my car insurance between switching from XXXX to XXXX in XXXX of this year. Have proof, including the SC DMV letter acknowledging this correction has been noted. XXXX ended on XX/XX/XXXX and XXXX began on XX/XX/XXXX. 
3 ) Section 6, XXXX, Page 26, Record 4 : This is devoid of any information, as are the other 3 records, except for the word " XXXX  '' next to the category " Type ''. Don't know what this is or is not, but I'm concerned with the word " XXXX  '' on my record. Especially given that the underwriter notified our insurance agent that she couldn't actually see any of the report that we're looking at. Simply she was given a score number that she based her downgrade of my insurablility rating. The word " conviction '' seems like something that might prove detrimental to whatever is this scoring rubric. 
4 ) XXXX XXXX File Report, Page 1 : DOB/Age shows " XXXX ''. 
Dependents shows " OO '' ( I have two ) Address shows " Since : XX/XX/XXXX '' ( I have rented here, with stellar rental history, since XX/XX/XXXX, proof available. ) 5 ) Employment : Is completely devoid of any information. ( I have worked at the same job, same company since XX/XX/XXXX, earning $ XXXX. Have proof of this too. ) Would like to see this corrected as soon as possible, as my family 's security ( via adequote life insurance ) is in limbo until this is corrected, thereby supplying our underwriter with accurate information to be able to return my insurance offer to its original status. 

Thank you so very much for your time and effort and for being around to help those of us who are negatively impacted by this sort of gross negligence in information accuracy. 

Please let me know what I need to do to aid this effort further. I'll be glad to supply whatever information necessary to move this correction forward with expediency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seriously can not believe that I am writing this again. This is the THIRD time that XXXX XXXX XXXX has reported falsely to my credit report. Between XX/XX/XXXX and XX/XX/XXXX, they reported that the lease ( that I have paid in full ) is in collections! I am fed up with this company! I am going to take them to court again, because this is getting absolutely ridiculous. I do not understand how difficult it is to close this account once and for all. If I did not consistently check my credit report this derogatory remark would go unnoticed. I am FED UP!
Product: Credit card or prepaid card

I can not obtain my cash app card balance or approve any transactions because I can't log into cashapp
Product: Credit reporting or other personal consumer reports

In XX/XX/ the online payment for my home mortgage with Citizen 's Bank was not processed. I did not realize there was an issue until I logged into the system in XXXX to see that a payment was owed. I immediately submitted 2 payments to be processed. Citizen 's bank did not call me or send me any letters to notify me that not only was a payment missed. Citizen 's bank also did not notify me that they were going to report the payment as missed or late to the crediting bureaus. I have contacted them on numerous occasions since XXXX requesting they remove the late payment history from my credit report due to their site processing error. I have requested they provide proof of the letters they sent me advising a payment was missed and proof that they notified me that they were going to report the missed payment to the crediting bureaus. Citizen 's bank has provided me with no such documentation. I filed disputes with the 3 agencies : XXXX, XXXX and XXXX to aid in the investigation- to no avail. Citizen 's Bank is not removing the late payment and it is damaging my credit score, impairing my ability to get approved for better interest rates for lending opportunities. I have been diligent and consistent with my requests for them to please thoroughly review the matter because their was clearly an error in their system. They did not notify me of the late payment and they failed to notify me that they would report late payments to the crediting agencies- as they are required to by law. I need this matter of erroneous reporting removed immediately from my credit reports. I have given them several opportunities to rectify the matter and they have refused to comply.