23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

2 issues : 1 ) The handling my mortgage servicing transfer by BSI has resulted in untimely escrow disbursements for property tax, despite notifying them of the required payment multiple times through multiple channels. They currently hold the required funds in my impound account but are not actioning my urgent requests to ensure they pay the delinquent property tax bill per my requests. I have notified them through email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, The customer service agent has replied " We are processing your request '' or my account manager has said " I have escalated your request '' on each occasion without further providing detail when asked. I have also contacted BSI by phone on this matter weekly since XX/XX/XXXX which will show in their contact logs, including leaving messages with my account manager 's voicemail directly. I have been told it would be resolved in early XXXX ( it was not ) or advised to " keep calling back- I've escalated but there's nothing more I can do ''. The issue remains unresolved. 

2 ) My loan is eligible for a recast after 90 days of origination, which was XXXX XX/XX/XXXX. The eligibility was confirmed by my loan originator, XXXX XXXX XXXX, in XXXX. I requested a loan recast application on XX/XX/XXXX from BSI via secure messaging. I subsequently chased this due to no application arriving via follow-up emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was also calling weekly requesting this information from their contact center. Upon finally receiving the details to contact my Account Manager directly, I confirmed on XX/XX/XXXX the wire details to transfer the additional principal balance ( $ XXXX ) which I completed on that day. This was to ensure the recast would be completed and reflected on my XXXX XXXX monthly payment ( reducing this by over {$990.00} so a significant amount ). Subsequently, I have been calling twice weekly as will show in their contact logs and emailing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( the latter including their VP Client Services and Loan Manager ) to confirm the recast is completed in the timing outlined by the account manager. They have either not responded or have responded to tell me it's either 'escalated ' or 'processing for XXXX  XXXX '. It is now a week later, they have held my wired $ XXXX funds for over 4 weeks and the recast is not in effect and there is no confirmation of when this will happen. I have already incurred 2 higher monthly payments than necessary if the recast was effected when requested and eligible. I reported to the account manager and VP of Client Services and Loan Manager that I would be reporting a complaint to CFBP to which he responded " I understand if you need to file a complaint with he below listed authorities. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Student loan

I'm reaching out because there's an error on my credit report regarding my student loans. These loans are currently in the process of being forgiven by the government, but that isnt reflected in my report. 

Ive attached screenshots from XXXX and XXXX that show this. Despite the ongoing forgiveness process, the incorrect information is still on my report, which is affecting my credit score. 

Id really appreciate it if you could look into this and update my report to reflect the accurate status of my loans.
Product: Debt collection

I was informed that there was a collection item on my XXXX  Credit Bureau due to my bank reviewing my credit journey. I was never informed by Receivables Performance or XXXX of any collection in my name. Upon calling Receivables Performance on XX/XX/XXXX, I was informed past due amount of {$910.00} was in my name for charges occurred in XXXX, Kansas in XXXX, XXXX. I explained to representative I have never lived anywhere in Kansas and have never had any dealings with XXXX. I then filed dispute with XXXX  on XX/XX/XXXX however they replied on XX/XX/XXXX that Receivables Performance had " certified account was correct ''. I reopened another dispute explaining it could not be correct since I have never lived in Kansas or dealt with XXXX. That reopened dispute is still in process as of today XX/XX/XXXX. I also have filed a report with XXXX XXXX, IL Police Department asserting above. I will provide any/all information needed on Receivable Performance report # ; XXXX account # ; XXXX  report # or XXXX report # per your request.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Company Inquiries XXXX XXXX/XXXX   XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have settled with XXXX XXXX XXXX over 5 years ago to an amount that was less than owed to them. They have received payments up to the total settled. XXXX XXXX XXXX never sent me a letter stating that the account was settled. I do n't know why they keep these figures on my report. 
I have contacted them on many occasions and they are ignoring my requests. As far as I can say, I have fulfilled the terms of the agreement. They say that the person working the arrangements, XXXX, does n't work there anymore. How is that my fault if the employee handling the account is gone. This does n't speak were highly of a XXXX dollars corporation.In the meantime they are messing up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is apartment complex that I use to live there for two years, never missed a payment and never was late on a payment. 
- After I moved out they fraudulently charged me unsubstantiated {$150.00}, I tried to contact them and get them to validate the charge but the charges was not validated. 
- I refused the charges and the send it to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for collections. 
- After I received the collection letter I answered with several letter, the last one was mailed on XX/XX/year> by certified mail trying to get them to provide me with any validation of the charges but again they did not validate the charges nor did they answer. 
- XX/XX/XXXX. they reported the collection to XXXX and Transunion. 
- I made a dispute with both reporting companies and submitted my proof of the dispute that I made with the collection agency ( see attached ) - XXXX did their investigation and removed the collection from my credit report ( see attached ) - Transunion however did not.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was completely taken aback this morning when I saw inaccurate accounts appearing on my credit report. I dont understand how this could have happened. I checked my credit report as I normally do, but this time there were errors that seemed to come out of nowhere. I even refreshed my browser, thinking it might just be a mistake, but nothing changed. These errors are really worrying me, so Im requesting that the documents I've provided be carefully checked so that I can have peace of mind moving forward.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a title loan and sent all required DMV documentation and the title to the company per their agreement. I began making all payments as required.

The company began calling me and emailing me daily about 3 weeks after I took out the loan. They indicated they had not received the title to the vehicle. They also
indicated that they had received the signed DMV paperwork.

I had included both the title and the signed DMV paperwork in the same envelope. Loanmart became argumentative and stated they knew I had not sent the title. They stated they had video evidence that I hadn't sent the title. I informed them that 1. I Was overseas with the military and could not address this until I returned with the DMV. 2. That I knew I had sent the title and that if they had video evidence of the envelope being opened it needed to be shared with me as I was not responsible for them loosing the title. and 3. That their threats to repossess the car would be in violation of their own agreement as their loan agreement indicated that the only reason the car could be repossessed was if I failed to make payment on the loan ( I was current and continuing to pay ).

Early XXXX 2023 my neighbor indicated that my car had been stolen and tha tall that was left was the front bumper of the car sitting in my driveway. I received a phone call from LoanMart around the XXXX indicating that they had repossessed my car. I informed them that this had been done in violation of their own loan agreement and that they still had not provided proof that I hadn't provided them the title. 

They told me they repossessed my car because " I had failed to do what I had promised '' not that I was late on payments or anything else. This language is not anywhere in their agreement and their loan agreement clearly indicates the ONLY reason the car can be repossessed is due to non-payment. 

As the car was now repossessed I could only make payments using a payment services that were only available in the XXXX XXXX XXXX, I was unable to continue to make payments via the on-line portal or over the phone. I again informed them that I was overseas with the military. They did not care. I was never told where my car was so I could send someone to collect my belongings out of it. I was never sent any information on the sale of my vehicle and LoanMart stopped communicating with me beyond sending me a letter on rare occasion that indicates I now owe them almost twice what I borrowed for " non-payment ''. I called them to start the arbitration process that their loan agreement requires and they have not to date allowed me to start it, given me any indication of where/what has happened to my car, and have continued to report my car loan as being late and continue to rack up charges against me. They have not reported my car as repossessed on my credit, nor given me a chance to purchase it back and their repossession agent clearly damaged my car severely when they came to recover it.
Product: Student loan

I have a student loan that I 'm paying back through Navient.I recently started back making payments for {$100.00} a month.Navient sent me a letter stating that I had not made a payment, but sent me a conformation of payment made XX/XX/2017.I still have my recite from that payment which was paid before the due date of XX/XX/2017.Navient is not interested in collecting debt from customers, but more interested in postponing debt to later charge customers higher interest on the debt.Navient has constantly tried to give me extensions on my payment everytime I speak to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my COMPLAINT to tell you AGAIN that I am a victim of identity theft and 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 IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; U S DEPT OF EXXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Vehicle loan or lease

Purchased a new XXXX  in XXXX had been paying on it for about a year and a half possibly a little more then was having some difficulty paying from time to time then sought relief under the SCRA act because my son who is on the loan with me joined the XXXX and left home about 3 or 4 months after we bought it. Around XXXX or XXXX of XXXX I was trying to keep up on payments I believe I made a payment in XXXX of XXXX and was working on getting the account current when the finance company decided to charge the off and in doing so never notified me I still maintained full coverage insurance on the vehicle but tragically my wife was involved in an accident and it was declared a total loss. None of the airbags deployed and it was equipped with seven of them. My insurance company wanted to take the vehicle and and offer a payout that wasn't even enough to pay it off. They called the finance company without my knowledge to see if they would accept the offer. I told the finance company not to accept it just yet because I wanted the vehicle to be inspected by someone from the maker XXXX or from the dealership which neither one of them have contacted me and I've called them several times even opened up a investigation and have been to the dealership 4 times and still nothing the XXXX remains in my driveway awaiting for inspection but still nothing has been done. It has been 9 months and I can not believe this is how we are being treated. Please help
Product: Debt collection

I have sent Trident Asset Management XXXX requests for Validation of debt, which I have the right to do under the FDCPA. They have not replied at all to either of them. This is illegal. 

They are saying on the credit report that they are collecting on an old XXXX account. I believe that this account does not have any balance owed and should have been removed from my credit reports years ago. 

I need this off my credit reports as it is lowering my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an account reporting on my personal Experian credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 
2 ) The date of last payment is reporting XX/XX/XXXX also not accurate! The other two bureaus report different dates. 


On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7300.00} to {$7400.00} which is not accurate! The other two bureaus show different balances!

2 ) The date of last payment switches from the month before from XX/XX/XXXX to XX/XX/XXXX! Very inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$0.00} which is not accurate! 
2 ) Same issue with balance reporting {$7300.00} when the month before was {$7400.00}! Not accurate! 
3 ) The date of last payment is reporting XX/XX/XXXX when the month before it was XX/XX/XXXX On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7400.00} when it was {$7300.00} 2 ) The date of last payment changed again! All Inaccurate They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I had an offer on my dashboard thru American Express with a pre-approval for a XXXX XXXX loan. I was approved and spoke to a customer service rep that day. I thought I was all set from that point going forward as she asked me if I wanted the funds to go directly into my checking account that ended in the same XXXX numbers of the account that I pay my bill from. I contacted Amex on the XXXX and I spoke to another rep asking about the status of my loan. She said that the paperwork wasn't signed but helped me thru the process and told me that it was all set. 
A week later I find out that the loan was canceled because I did not sign the paperwork by XXXX XX/XX/22. The customer service rep never told me that this was now an inactive application and that I would need to re apply. 
I have the commitment notification and the loan number ( XXXX ) stating that I was approved for the loan with the breakdown of the interest charges. However American Express says that I did not reply in time and that the loan was cancelled. I received the notifications of the loan being accepted after their deadline. I have screen shots of the whole process. I called American Express to try to resolve this and they told me that there is nothing that they could do because this is done thru an automated system, but they urged me to log back in and reapply. I did so and the offer for the loan is now only a preapproval for {$3500.00}. 
I find this to be unethical and as one of their XXXX claimed " Unlawful ''. American Express is known for their superior customer service and after this whole situation I feel violated and uneasy.
Product: Credit card or prepaid card

I was paying my bill monthly until I lost my job, and my income was very slim. I called them about it and said I could pay an amount of XXXX monthly and that I wanted to close my account to help keep the interest from overloading me. and they said they would not accept it so I said you will if you want your payment, because that is all I have.this is my paypal account. and I want to get it straightened out so I can get it off my credit. I can pay XXXX a month until I get it paid off and that is the best I can do. All I want is to get to get this straight and I am not asking a whole lot but that is what I can afford, and you can look that I was paying every month until last year. Can you please help?