23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was issued two checks from my homeowners insurance related to water damage that happened to my home a year ago. I had no problem getting these checks endorsed by my last mortgage holder, but my mortgage was sold to Freedom Mortgage company a couple of months ago. On XX/XX/XXXX I mailed the 2 checks as directed on the phone to their loss drafts department. On XX/XX/XXXX, I received a large packet of paperwork saying that they needed more information before endorsing my checks. They are asking for an adjusters report for the checks. My insurance did not furnish me with an adjusters report because the adjustment was done last year when the majority of the fixes on the home were done. These remaining checks, which totaled about {$10000.00}, are related to Work that has already been done. I did not receive extra documentation from my insurance company. I called and told them this, and they told me that not only would they not endorse my checks, if I didnt get this information from my insurance company in five business days the checks would be sent back to me on endorsed. The man on the phone was rude and unhelpful. Theyre basically holding my checks XXXX and saying they wont endorse them without more information from my insurance company, which my insurance company did not give me. I have emailed my insurance company and called them, but have not heard back. I feel that the mortgage company is unjustly holding my checks XXXX, and Im not going to be able to get my money in a timely matter. Whats worse, this is costing me hours out of my life of unpaid labor, without getting my checks endorse. I did not have to do this with my last mortgage lender. I completed the repairs on my house in XX/XX/XXXX, and they were all done very satisfactorily, with my house now worth more than it was before the water intrusion. The mortgage company is obstructing my ability to get the payments from my insurance company, but holding me up with paperwork that doesnt exist. Despite me sending the paperwork over two weeks ago, they are giving me an arbitrary deadline of getting more paperwork from my insurance company in five business days.They are also wasting my time. I work XXXX hours a week, and I dont have time to spend hours on the phone with my mortgage company or my insurance company over these checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had an inquiry on my account via XXXX XXXX that I did not authorize
Product: Mortgage

Mailed XXXX mortgage payment to Homepoint Financial. Payment was cashed XX/XX/XXXX, however online my account said Paymwnt Complete {$0.00} instead of XXXX which was the regular payment. I began calling and finally around the XXXX Homepoint located my payment- it had been applied to another customer 's account on accident. I was told it would be corrected within 24 hrs. XX/XX/XXXX it still had not been corrected, spoke with a manager XXXX, he assured me he would get with the director and correct it. XX/XX/XXXX I made my XXXX payment but it was applied to XXXX because they still had not corrected my XXXX payment. Calling daily. Managers never call back. XX/XX/XXXX and payment still has mor be corrected and now I see it has been put ad a missed payment on my credit reports. As well, I am paying interest daily on that money. Can not get any resolution from Homepoint Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Exsperian...I applied for a loan at XXXX  loan and they said my score is XXXX  which on exsperian it shows my fica score XXXX.  Exsperian never update credit scores so that the consumer can see my credit score increases.  You also cannot speak with anyone at Exsperian.  You have to mail your issues with them in.  I think this is fraudulent.  My scores are totally different with XXXX  and XXXX  they are at XXXX.  '

I really need a loan and Exsperian is not updated their scores so that the bank can see what I see...Its totally unprofessional and fraudulent....

If I go on exsperian and see a score whoever I give my permission to check my credit they should see the same score....But they do not and all I want to know is why?

Its very disturbing to me and fraudulent why Exsperian is not updating or reporting the same score to banks , etc/
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on the month that shows on my credit report, the late payment is inaccurate, it as paid as agreed..Remove or Fix XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

Discover closed my accounts directly based on other bank closing my account. They will not send me information why they closed my account beside business decision. But this decision was made on wrong facts and are discriminating against me after having perfect payment history for over 5 years with their financial institution. I was told over phone by other bank I was involved with some type of money laundering which couldn't be any further from the truth. I would never do such a thing and I have over 5 years of perfect payment history of all my accounts and good credit scores. So please reissue my accounts because this closure was based on wrong information gathered from other source. Please provide any wrongdoing on my part if thats what you based your decision on if not please reopen my 2 accounts asap. 

Accounts ending in XXXX, XXXX
Product: Credit card or prepaid card

my acct ending in XXXX was supposed to be cr on XX/XX/XXXX, still no credit. When to the merchant and they show they show they credit the acct.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$14000.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  / {$10000.00} / XX/XX/XXXX
Product: Debt collection

Beginning about 6-7 months ago, I have received at least 10 debt collections notices ( amounts ranging from {$17.00} - XXXX ) from a company claiming to be TRS Recovery Services, XXXX XXXX XXXX XXXX, XXXX, Georgia, for individual/on-going purchases made at XXXX XXXX, allegedly by me. With the exception of today, prior phone calls to TRS ( XXXX ) were automated and took me around in a circle. Upon receipt of the initial demand ( approx. {$40.00} ), I contacted XXXX ( who advised me that there was no activity on my account since 2017 ) and froze my account ( today I cancelled it ). Per info on the back of the collection notice, I emailed a dispute to TRS as these purchases were NOT made by me. TRS mailed me a " TRS Forgery/Identity Theft Declaration '' requesting my social security number, bank account numbers and photocopy of my state issued drivers license ( I did NOT fill out this form or give any information ). Today I contacted XXXX again, who verified that my account is closed and that there has been no action on my account since 2017. I also called TRS and was actually able to speak to a human being. The man told me I needed to dispute the charges and send in the theft declaration. I refused, telling him I made no such purchases. I demanded the name of the financial institution tied to the fraudulent checks being sent to XXXX in my name. He told me XXXX XXXX with the last four digits of the checking account being # XXXX. I called XXXX XXXX Fraud Unit, who confirmed that I do not have/nor have ever had a checking account or any type of account with their institution. The XXXX XXXX fraud investigator suggested I contact the Federal Trade Commission, who subsequently referred me to CFPB.
Product: Debt collection

ABR Recovery Services continually violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act.

ABR Recovery services contacted my in XX/XX/XXXX though the telephone, stating that I owe them money based off a collection account I had with XXXX XXXX. I instantly told them that I was in the process of paying this debt off with XXXX XXXX XXXX. I had disputed this account with XXXX XXXX in XX/XX/XXXX and they furnished account verification within 30 days. I setup a payment agreement and completed it.

After speaking with ABR Recovery in XX/XX/XXXX, I emailed them the information they requested on XX/XX/XXXX on my payment agreement with XXXX XXXX, and I requested account verification from them. The company never responded to the email or furnished account verification to this day.

They proceeded to place a collection account through all 3 credit bureaus. I instantly disputed the accounts and they were removed. They again were placed there in XX/XX/XXXX and I disputed the account again. I contacted ABR Recovery Services on XX/XX/XXXX and furnished the payoff letter from XXXX XXXX. The account was removed again, only to be placed back on there multiple more times since.

ABR Recovery Services has violated my rights under the Fair Debt Collection Practices Act : 1. They continue to try to collect a debt they have knowledge has been paid and is not owed to them.

2. Threatened legal action against me 3. Furnish false information to the credit bureaus ; XXXX, XXXX, XXXX.

ABR Recovery Services has violated my rights under the Fair Collection Practices Act : Fair Debt Collection Practices Act Section 809. Validation of debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), ABR Recovery Services, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts I request to be posted and or reported on a credit report.

I have submitted multiple complaints through the Consumer Financial Protection Bureau to no avail. How can a company continue to operate outside the law and violate my rights afforded to me though the above mentioned laws?
Product: Consumer Loan

As part of a dissolution of marriage, the Court assigned the credit card debt to the former wife. The Bank was advised, but still sold the debt to Calvary, a collection agency. 

They were advised of the document, but filed a lawsuit in the XXXX Judicial Circuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK NA XXXX IS ILLEGALLY REPORTING late payments on an account that NEVER belonged to me. 

This has been repeatedly requested to be removed by the vendor BUT they have not complied
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 19 credit inquiries that was an authorized reporting to my credit report please have them removed immediately from my credit report XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Collections Attorney Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Sales Financing Company Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Home Furnishing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had td bank, This happened XX/XX/year> I dont remember all the dates I didnt know I could dispute stuff like this thats why I waited so long, but somebody XXXX  me {$50.00} the XXXX of XX/XX/year> I didnt know who it was so I sent it back the XXXX, following money I couldnt login to my account went to the bank I told them what happened they said I had to wait XXXX, XXXX came my account was closed went and ask why they said they cant say, called a couple days down a agent told me I had a negative amount I think XXXX $ or XXXX $ I wasnt aware of I went to pay it ask if I could get back my account they said no and that was it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 usc 1666b this is a billing error always paid on time this is an error which makes this account in violation.Also under 15 USC 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.
Product: Checking or savings account

I had brought this issue up many months ago. After investigation I was proven correct with PNCs system being inaccurate or misleading. Months later clearly the issue is NOT fixed as promised by their executive reps and continue to charge overdraft fee NOT according to their own notifications. 

PNC offers a service call XXXX XXXX mode where it gives you extra time to deposit or transfer money to cover overages. The system will send you emails and let you know exactly how much time left before they either return or assess a late fee. 

On XX/XX/XXXX I had items that came into my account. I had previously schedule a transfer due to the hurricane and spottym service the deposit arrived at XXXX on XX/XX/XXXX instead of XX/XX/XXXX. 

On XX/XX/XXXX the XXXX PNC notice I have till either XX/XX/XXXX XXXX PM or! XXXX PM to deposit funds. 

As of XXXX XX/XX/XXXX a deposit was made to the account to cover all the charges. My two account are link where the funds from one account automatically credits the other when every there is a charge. 

Through out the day of XX/XX/XXXX. PNC process items in the account and decide to charge me an over draft charge on 1 item claiming I did not have enough money in my accounts on XX/XX/XXXX. During the entire day of XX/XX/XXXX there are more than adequate funds for all charges. They claim they process at XXXXXXXX XXXX XXXXXX/XX/XXXX and I didn't have enough funds which is incorrect. There are plenty of funds in the linked account to cover any charges which SHOULD be moved over to cover any insufficient charges. 

On XX/XX/XXXX they decide to change me a over draft 24 hours after the deposit was made/ I spoke to 2 individual on XX/XX/XXXX. Clearly explaining the issue as well as previous incident where there were research done to find the system to be inconsistent. Instead of crediting the fee, PNC representative chose to argue and fight for over 30 minutes. The argue and fight as if it money coming out of their own pocket. 

Please note I have not had an over draft fee this entire year. I am not asking for a credit because I have no funds incoming. I stated this was purely on principle of being incorrectly charged. PNC rather aruge and fight instead of assess the situation and address the issue. 

I have been with PNC since they open in Florida and they continue to prove to me they will not do anything for me other than charging me fee when they can is why I am gradually phasing out my banking away from PNC. These desperate attempts at nickel and dime a member is for a lack of better word DESPERATE.
Product: Credit card or prepaid card

I filed a complaint with your office. They closed my account and waived the annual fee. They opened it back, charged the annual fee. They closed it again, but didnt waive the annual fee.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a predatory loan that has been consistently reporting my loan late on my credit report for XXXX months. They will not stop reporting it late, and they do not communicate properly. I have been unable to set up payment plans without them wanting my checking account information and paying the entire past due amount. This has been going on for XXXX months. This company consistently denies my request to close the loan. This has been going on for almost XXXX years.
Product: Mortgage

On XX/XX/XXXX I requested a loan modification on my home loan due to lose in income due to been laid off from my job and due to being victim of a real estate scam ( currently being investigated by the Massachusetts Attorney Generals Office ). I completed the modification packet provided by USBank Home Mortgage and faxed all requested documents as well as emailed them to Loss Mitigation department for review on XX/XX/XXXX. I followed up on XX/XX/XXXX and I was informed that I needed to submit prove of my mothers social security benefits as well as her monthly bank statements for the last three months which I submitted on XX/XX/XXXX. I followed up again in XX/XX/XXXX and at that time I was told that they had not received my documents and that I needed to resubmit the entire package and documentation again. I resubmitted everything again that same day. By XX/XX/XXXX, I had yet to hear from them regarding my application, so I called them to find the status. To my surprise they informed that my house was scheduled to be auctioned on XX/XX/XXXX and that I was out of time to submit the modification package since we were 6 days away from the auction date and that the deadline to submit the package is 7 business days prior to the auction date. I said that I had already submitted the package back in XX/XX/XXXX and again in XX/XX/XXXX. After waiting on the phone for more than an hour, a supervisor came on the phone and told me that they have the application, but I had to wait for them to review it. I asked if they will not postpone the action since my application has not been reviewed, and their answer was that I had to wait for them to review the application first and then they will make a determination. I asked again if they will have a determination before the auction date, and the answer was they didnt know. I said to them how can they have an auction on my house while my application has not yet been reviewed to which the only answer was you need to call every day and just check. 
As you can see, I did not receive an answer to the question I posed to the supervisor at USBank. How can USBank auction my house while in the process of reviewing my application for a loan modification? I need assistance postponing the auction on my house scheduled for Tuesday, XX/XX/XXXX. I am a single mother of a minor child who lives with me fulltime as well as my mother who is XXXX years old.
Product: Debt collection

I am the sibling of a person who owes a debt to this collector. The collector is using skip tracing to locate family members and is calling harassing us for the whereabouts of the person who owes the debt. They have repeatedly called my home number. There is no way possible my sibling has this number listed to them as a reference because he himself does not know it. I have asked that they not call only to turn around ten minutes later and receive another call. They should be addressed for improper debt collections methods. They should have recorded calls with me for XX/XX/2018 @ XXXX advising them that they should not be contacting me regarding a debt and I don't have an account with them.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by NATIONAL CREDIT ADJUSTERS , L.L.C. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

Account information Account name : National Credit Adjusters Account number : XXXX Balance : {$310.00} Open date : XXXX XXXXXXXX 

I was harassed on phone, collecting on illegitimate bill, no funds were owed to original creditor, predatory lending, unconscionable interest rate. 

Solution : delete my account from all credit bureaus and waive the balance
Product: Debt collection

I was under XXXX when the debt occured, Placed on parent and childs credit history, when my mother called several times and asked that it be removed because I was under XXXX when it was incurred, they refused. Stating they do not removed from credit. ( My mother paid the debt ) This is illegal, as a minor I was not responsible for the debt.
Product: Credit reporting or other personal consumer reports

Account Name : XXXXXXXX XXXX  Account Number : XXXX XX/XX/year> Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting an illegal inquiry on my Experian credit report. 

XXXXnquiry has no permissible cause, no loan or credit has been awarded. This a violation of FCRA rules section 1681.