23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing because I had a mortgage with XXXX. I received a letter on XX/XX/XXXXnotifying me I could apply for a loan modification. I filled all of the requirements. On XX/XX/XXXX I received a letter notifying me I was approved for a loan with XXXX. The letter outlined our schedule with payment coupons. Enclosed are copies of the coupons and canceled checks. I paid all payments on time. Again on XX/XX/XXXX I received another letter form XXXX stating I qualified for mortgage loan assistance. I assumed the letter was an error. the letter is dated after XXXX accepted our second payment. A payment was paid to XXXX on XX/XX/XXXX, for XXXX, coupon # 1.Second payment coupon # 2 paid on XX/XX/XXXX.Unexpectedly I received a letter from XXXX notifying me that my loan would now be serviced by Bayview Loan Servicing, as of XX/XX/XXXX.XXXX did not abide our existing loan modification agreement. Afterwards I received a letter from Bayview Loan stating they would now service our mortgage as of XX/XX/XXXX.The letter was dated XX/XX/XXXX.Bayview then sent me a statement that the date of default was XX/XX/XXXX, this was untrue. A copy of item # 10 Illustrates. How can I default on XX/XX/XXXX, when they did not have possession of the mortgage untilXX/XX/XXXX? Again Bayview sent a statement dated XX/XX/XXXX that the date of default was XX/XX/XXXX.After that I received paperwork dated XX/XX/XXXX from the law firm XXXX, XXXX XXXX XXXX had filed fraudulent papers in the XXXX County Circuit Court that the mortgage holder was XXXX XXXX. 
Likewise, I was default as of XX/XX/XXXX.Enclosed is a copy, item # 15, listing law firms as filling fraudulent papers for mortgage companies. XXXX XXXX has not been possession of my mortgage for years. XXXX XXXX can not foreclose on a property it does not own. If XXXX XXXX is the legal possessor of our mortgage, then XXXX has fraudulently been collecting mortgage payments for years. Also, enclosed is a copy of a check I received from XXXX dated XX/XX/XXXX.The check is from a law suit settlement for accounts with XXXX balance/bankruptcy or had foreclosed on property. Item # 22.  Now our home is in threat of being auctioned on XX/XX/XXXX with fraudulent paperwork. I have not applied for a loan modification, because who owns our mortgage? Who do I apply with? Likewise I have not contacted any of Bayview 's staff because who do I discuss this matter with. I have no trust in any of the forenamed companies. Frankly, I do not have confidence in their honesty. Will the next mortgage company abide by their modification? Obviously, XXXX did not. My husband had XXXX XXXX XXXX, a XXXX and numerous hospitalizations in XX/XX/XXXX.His doctors have informed me his health can not endure further excessive XXXX from this outrageous mortgage fiasco. I have been advised by legal counsel to request they " produce the note '' for my mortgage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX used my credit apply for a loan that I did not approve on XX/XX/year> with Upgrade.com, I have never even heard of this company before. This is fraud.
Product: Credit reporting

I disputed this fraud account that is being reported on my credit report to TransUnion account XXXX XXXX for an amount of {$160.00}. I also provided a police report and a Federal Trade Commission Identity theft report showing that this account is fraud and does not belongs to me. TransUnion performed their investigation, and responded back to me stating that my ( MAILING ADDRESS IS INCORRECT ) ; yet they mailed me the notification to my address and ignored the issue that fraud is being reported on my credit file. 

TransUnion ignored my notification that this account being reported on my credit file is fraud, and the copy of the police reports and Federal Trade Commission Identity theft report.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a loan via Affirm with XXXX XXXX Bank in XXXX, NJ, to pay for test preparation materials from XXXX. 

The loan amount financed was {$1500.00}, for a term of XXXX months with a monthly payment of {$140.00}. 
My interest rate was 29.99 % APR. 

My first payment was due XX/XX/XXXX. I paid in a timely fashion and paid the loan off early XX/XX/XXXX. 

I have called XXXX XXXX Bank in XXXX, NJ, to request they report the payments to my credit report. However, the two representatives I spoke with said that they did not know anything about this and could not help me at all. They suggested I call Affirm. I have been unable to reach any representative at Affirm regarding this matter. 

I would appreciate a resolution to this matter and for all my timely payments to be reported to my credit report.
Product: Student loan

I applied for my loan to be recalculated through studentaid.gov and the application was processed, payment updated and closed. My edfinancial has not updated it and still shows a payment from before the pandemic. I can not get anyone on the phone, wait times are insanely long and a callback never happens. Ive emailed them several times with no response. Now Im getting emails that I asked to be removed from IBR when that is inaccurate. They customer service is terrible and theres no way to get ahold of anyone.
Product: Money transfer, virtual currency, or money service

There is a misunderstanding. few Weeks ago, I provided the details of my company documents to PayPal. However, after their review, they banned my account and are not allowing me to withdraw my money. 

The issue happen because the agent who reviewed my files lack of knowledge. The situation is that I reside in XXXX but recently opened an XXXX company in the XXXX for my online business. Consequently, I connected my PayPal account to my business, and they requested submission of company documents. However, the agent mistakenly assumed that I reside in the XXXX, not XXXX. It's worth noting that the identification and passport I submitted when opening my PayPal account were from XXXX. Hence, the agent mistakenly concluded that I was misusing PayPal, resulting in this misunderstanding. 

I have been using my PayPal account for almost three years now, and it was only this month that I established a business in the XXXX. But the PayPal agent did not understand this change in circumstances. 

I would like to request a review of my account and a reevaluation of my documents. Additionally, I am prepared to provide any additional documentation necessary to clarify the situation, as I have not engaged in any misuse of PayPal services.
Product: Debt collection

On XX/XX/2021 LVNV Funding, LLC received my letter requesting documents such as validation of accounting and verification of my legal obligation to pay the alleged debt of {$870.00}, of which they have posted on my consumer credit reports. The company has not responsed to my request in 30 days with the documentation requested, which is a violation of the Fair Debt Collection Practices Act. This account is not mine and I have no legal obligation to pay the alleged debt. Due to the violation of the Fair Debt Collection Practices Act, this account must be deleted from each of my consumer credit reports.
Product: Credit reporting

On XX/XX/XXXX a civil judgment was placed on my credit reports ( i.e. XXXX, XXXX and Transunion ). The judgment was placed by an unknown entity. The civil judgment was filed with XXXX Superior Court, Docket # XXXX on XX/XX/XXXX. Immediately my property management company, XXXX XXXX XXXX was notified once the derogatory appeared on my credit reports. Management instructed me to speak with their attorney since the rent balance had been paid prior to the judgment filing date. XXXX XXXX XXXX indicated that they would gladly file a judgment dismissal since the rent payment has been paid. Furthermore the law firm indicated that they did not report to the credit bureaus the judgment per XXXX XXXX. Additionally, in speaking with XXXX Superior Court I was informed the same which was this entity did not report to the bureaus. I initiated a credit dispute with all XXXX ( XXXX ) bureaus on XX/XX/XXXX. Followed by additional requests to specifically Transunion on the following dates due to no removal or any communications regarding these requests : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. With the XX/XX/XXXX requests and XX/XX/XXXX request a copy of the Release of Judgment was provided however to date this removal request has not been honored. Today another request was entered with Transunion and I was instructed to fax the release to XXXX by XXXX, representative. I also inquired if XXXX could see all the prior requests in which he indicated no and instructed me to phone Transunion Interactive Department@XXXX. I have not phoned this department. I feel that there is violation of the FCRA resulting in my submission of this complaint to your entity. 
Thanks so much for your assistance. 
Very best always, XXXX XXXX XXXX @ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE TRIED REACHING OUT TO THE BUREAUS LETTING THEM KNOW ABOUT THESES INACCURATE FINDINGS. THEY CONTINUE TO VIOLATE THE XXXX AND THE XXXX. PLEASE SEE THE ATTACHMENT THE CREDIT REPORT SHOWING THE PROOF OF DELETIONS. 
PLEASE NOTE THAT I'VE ALSO REQUESTED THESE UNAUTHORIZED INQUIRIES TO REMOVE FROM THIS FILE. PER FCRA FOR INQUIRIES THAT I DIDN'T AUTHORIZE, MEANING THAT ARE NOT TIED TO ANY OPEN ACCOUNT. XXXX. CIVIL LIABILITY FOR A WILLFUL NONCOMPLIANCE 15 U.S.C 1681n. 
In the case of liabilty of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I noticed hard inquiries i did not authorize. These hard inquiries does not relate to any transactions i have. This is clearly a result of identity-theft. Having the following hard inquiries reporting on my credit reports make it difficult for me to get approved for lines of credit. I am requesting that the above listed hard inquiries be deleted. 



1. XXXX XXXX XXXX 2. XXXX
Product: Mortgage

On XXXX XXXX, 2019 we received a updated letter from Specialized Loan Servicing agreeing to the payments we were late paying. The agreement was to defer the payment until we sell or transfer an interest in our home. We were 3 months behind because of a major illness. Our latest statement from SLS increased our payments. We were paying XXXX. The payment is XXXX. The balance owed was added to the payment. When we called to clarify. They stated that we will be paying this for 48 months to cover the late payments. We can not afford this payment based upon our income. 


Also, this was a XXXX  adjustable loan that was transferred to XXXX XXXX XXXX. Tried to do a modification and a principal reduction. We were not allowed to do so. We never borrowed any money. XXXX  XXXX XXXX transferred it to SLS. Several attempts were made to modify or reduce the principal.
Product: Credit reporting or other personal consumer reports

I contacted the CFPB. Complaint XXXX XXXX 

XXXX never provided documentation. For the accounts on my credit report. 

Verification of my accounts needs to be provided or removed from my credit report
Product: Credit reporting

Majority of delinquent accounts occurred over 7 years ago. All current accounts are paid on time etc. I thought delinquent accounts stay on credit report for a maximum of 7 years. I am trying to be a first time home buyer and now have been on the job for 3 years and earn XXXX a year. I have almost XXXX in assets and ca n't get an FHA loan because my credit score is XXXX and not XXXX. I would like to use more colorful words to describe this, but I do n't want to offend anyone.
Product: Mortgage

Since XX/XX/2017, our mortgage was sold to Selene Finance.  Since XXXX we have constant issues to the point that we have lost sleep, stress, had major anxiety issues, and had to hire an attorney because we received 2 letters of default even though we have been paying the mortgage. The Customer service department at selene Finance has told us repeatedly we could have our mortgage money deposited into an account that would be applied to our mortgage ( they never check on it ). After hiring an attorney and the company taking out all of our escrow account money even going into the negative balance we still can't resolve all our issues. 
1. We found out we have been overpaying our mortgage 2. They charged us more money for taxes than what the city statement says 3. Our escrow is not where it should be, money is missing. No one at the company has contacted me to tell me anything in regards to why.

4. They have charged me late fees and i've constantly wrote the dispute department to get this resolved as the customer service department recommended ( With XXXX ). 
I want to know where my overpaid money is? where is my missing escrow money? why will the late fee not go away when Selene is the issue?

I have never been late on mortgage till this company and I'm doing everything in my power to fix my issue and I want to do everything I can to keep others from having the same problem. Selene Finance fails to communicate, customers can not reach the departments that manage the issue going on and the departments within the company don't talk to each other.
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to a retail store to do some XXXX shopping. I had a series of fraud alerts triggered by trying to make purchases with my Chase credit card. I called chase to verify the attempted charges I was told the fraud alert had been removed and that I was free to attempt the charge again. This happened 3 separate times in the same night ... the fraud alert was removed and each time I would go back in the store to make my purchase yet the charge was declined again, I 'd call Chase again, jump through a bunch of hoops answering a bunch of questions correctly, and then reassured everything was fine and to go try the purchase again. Finally after the third time going back in the store for a decline, I called and was told that the latest fraud alert could not be removed and that my accounts were under review by Chase. 

On XX/XX/XXXX I received notification that all 5 of my Chase credit cards had been cancelled. Some of these cards I have had for over 15 years. I 've never missed a payment and have paid my balances in full every month on each and every card I 've ever had with Chase. 

I do not believe Chase is operating within the spirit of the credit card agreement by issuing overly sensitive fraud alerts, and then even after the purchaser 's identity is satisfactorily established by Chase, and with reassurance given to that card holder that he is free to make the transaction, to continue declining purchases over and over again to the embarrassment of the card holder. Then to add insult to injury punishing the consumer by closing 5 credit card accounts which have never had a problem is very dishonest.
Product: Debt collection

i was told in 2011 by a XXXX Rep that i was not under a Contract with them anymore, so she set up to send me Boxes to put Their Equipment in & they set up a XXXX Installer to come by my Home & pick the Equipment up, he did & put it into their System to prove it. Now here 's where it takes a Twist, XXXX waited 4 years to send me a Bill stating I owed them an Early Cancellation Fee & 2 Months of Service, so while i was on XXXX during this time, I was being Charged for XXXX that i was Told i was Paid up in Full on my Account & i was n't under a Contract. This is Unreal! I called the ERC ( Enhanced Recovery Company , LLC ) & argued this Fact that i was Told totally Different Information then they were Stating, she then said that it Did n't Matter ' I HAD TO PAY or it would Stay Pending on my Credit Report, so I payed the Bill or actually a Settlement of {$270.00} & she said she was going to Contact The Credit Bureau or whomever to have it Deleted from my Credit Report, she said call back in! 0 days. It better be gone quick because that knocked a Hole in my Credit & i was n't even aware of any of this till 4 days ago when i went to my Mailbox & opened this Statement ( Which i will say i do not owe until I 'm pushing up Dirt ), My point being is, How can a Rep tell me I 'm all Good, Send me Boxes for Equipment to be Picked up & then 4 years Later they say i was n't out of the Contract & i was Charged an Early Cancellation Fee ( But They sent me Boxes in 2011 to Pick up Equipment & i did n't owe them XXXX XXXX ) but i was charged for 2 months of Service when the Equipment was in their Warehouse & the XXXX for XXXX was Removed from my House & i was Watching XXXX XXXX, they are Liars, plain & simple. I did n't know what to do so I just Payed the Thief 's!!!!! I have the Confirmation #, showing i Settled with them, but it 's STILL HANGING UP on my Credit & XXXX XXXX are rough, XXXX are really nice, this is just making me look Stupid. If it is n't DELETED as promised from my Credit I might Snap!
Product: Debt collection

An apartment company filed a invalid debit with Hunter Warfield Collection agency. I had filed a notice to dispute and also contacted the apartment company and an attorney. The leasing company, XXXX XXXX XXXX in XXXX XXXX chose to ignore the letter from my attorney stating the debt was invalid and discontinuing collection activities. About a 4 days after the letter from my attorney was writtent to both the collections agency and the leasing company an old aquantance of mines PARENTS recoevef automated dialings from the collections agency about me. Not only was I embarassed but they had no reason to contact someone I knew years ago parents. When I asked them to stop they basically told me that I needed to pay my debt I told them to talk to my attorney and all collection contact needed to stop and they told me no, only for a week they would stop and then they would start again.
Product: Credit reporting or other personal consumer reports

Today, I found unauthorized inquiries on my credit report and dont understand why theyre there. I regularly check my report, but this time, discrepancies showed up with no clear cause. After refreshing the browser, nothing changed, which has left me upset. Im asking for a detailed review of the documents I submitted, so I can finally put this issue behind me.
Product: Credit reporting or other personal consumer reports

In early XX/XX/year> I tried to gain the ability to freeze and unfreeze my credit report since I've been repeatedly contacted about security breaches by several companies. This seemed simple enough and I created an account with confirmation # XXXX which I believed was the " PIN '' number to freeze the account because I did not understand the phone bot despite requesting clarification. Later, I attempted to freeze the account and attempted to do so with the confirmation number I believed to be the PIN number and was connected to a human for the 1st time, but they were unable to verify me and said " the security questions didn't come up '' or words to that effect. I was assured they would investigate but nothing ever happened that I was aware of and I contacted Experian numerous times thereafter. On XX/XX/year> I got PIN XXXX in the XXXX mail which was the first time I realized the confirmation and PIN numbers were not the same things. I attempted to use the PIN and was told I needed to change my PIN. No reason given. On XX/XX/year> I received an email stated I had canceled my membership which I did not ( Experian apparently did ). Subsequently I was given " case numbers '' # XXXX and then # XXXX which were " escalated '' and I was told I would be contacted within 24 hours, but that never occurred. I gave up trying to get through to then and hoped they might contact me, but never did. I received numerous emails indicating that they would help me complete my account registration, but the application invariably ended with a message like " oops something went wrong '' and a message to contact one of their robot-tended phone numbers which led nowhere. 
As of now, I can not log onto the Experian site or get a credit report from them. I don't know if my credit account is frozen or unfrozen or how to accomplish these tasks which is all I wanted to be able to do in the first place. None of the people i spoke with at Experian appear to be native English speakers and none seem very interested in solving my problem. Please help me get this resolved. 
Thank you, XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I received my Direct deposit from my work XX/XX/year>, when I checked my account in the afternoon at XXXX while I'm at work, I was shocked when I saw {$500.00} was transferred to other person chime account!! I don't recognized the account and I did not transfer any money to anyone that day. So I called chime customer service right away and reported that there is unauthorized transaction in my checking account. Someone able to get into my account and transfer money. Asked me some questions and I answered. They said they will start to investigate to recover my money. After a week I got an email that says " As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 
Then I called again the customer service and asked to reopen my dispute and I submitted some important information to help and prove that I did not made that transaction. I send them my work timesheet that I worked that day from XXXX to XXXX. A screenshot of my phone 's IP address, for them to compare if the transaction comes from my phone. Screenshots of all my previous money transfer. It my history, I always used the word " loan '' when I transfer money to anyone. But this unauthorized transaction the word " owes '' was used. I also sent screenshot of that person profile and it shows he is not in my contacts. I have no idea who the person is. 
Today I received email and it has exact words when I read the email. That their decision about this matter is there is no error. This is the reason why searched in the internet how will I get help to recover my hard earned money. I make basic wage and it's hard to make money and it will disappear just like that. Chime should do better investigation and add more security in their money transfer. A lot of customers will lose money just like that and they don't do proper investigation. Please help..