23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a certified bank check was overnighted to FlagStar Bank for a loan / boat payoff of {$53000.00}. They signed and received the check on XX/XX/year> from XXXX. I called Flagstar on XX/XX/year> to confirm that they applied to the check to my loan and it was paid in full. It is now XX/XX/year>, they lost the check which will take 90 days to be reissued, have transferred my loan to a new bank ( XXXX XXXX ), and Im now getting calls for monthly payments. 

Now my credit is in jeopardy if I dont make a payment on an account I shouldnt even have.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint I.D . XXXX I received an email from CFPB on XX/XX/2019 telling me I can dispute a response for the complaint # written on the first line. The referenced number has been closed, so how can I respond? Quicken ran credit inquiries on me without my consent, period! A hard inquiry should have never happened without my approval. I did not ask for a loan or fill out any applications. I am still receiving solicitation from their reps! I have told them I am not interested in doing any kind of banking business with them. Period ... ... ..Why can't the complaints be addressed as the complaint was originally brought forward?
Product: Mortgage

I'm filing this complaint against this loan servicer Green Tree this loan was a Predatory loan the amount we were charged a high interest rate for a loan amount we never received for years it all was a part of their deceptive practices and then they transferred the loan to another servicer Ditech which continued with the deceit. I have tried reaching out to resolve but was instructed to file a formal complaint against Green Tree and it's affiliates, So we did. 
Green Tree Mailstop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Student loan

I logged in online to pay my student loan and the website will NOT let me make a payment without giving them more personal information about myself. They now want my citizenship status and employment information and I do NOT want to give this information. I just want to pay my loan online as usual. 

So I want my login unblocked and to allow me to pay my loan like I always do. The online login will not let me access anything, no personal information, no inbox messages, no account summary, nothing. I feel demanding this personal information is way too intrusive.
Product: Debt collection

SCA collections has been attempting to collect a debt I do not owe. The number of accounts that they claim I owe have been decreasing over time. I have been successful in removing some accounts.

As they have claimed in past disputes 'I have 6 accounts. ' That is incorrect. I have a credit report from last year showing 7 accounts. and my most recent report shows 4. This is becoming very time consuming and I want to cut all ties with this company I never chose to do business with.
Product: Credit reporting or other personal consumer reports

This represents my XXXX  endeavor to lodge a complaint regarding fraudulent entries reported across all three Credit Bureaus. It serves as a follow-up to the previous complaint dated XX/XX/XXXX. I respectfully implore XXXX, XXXX, and TransUnion Credit Bureaus to expeditiously eradicate the unauthorized entries. Pursuant to FCRA Section 605b, it is imperative to expunge any items identified in an identity theft report. Enclosed herewith, please find the essential documents required to facilitate the blocking of inaccurate information currently present on my credit report : 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 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
Product: Mortgage

In XX/XX/XXXX we did a Cash for Keys agreement with Bank of America. We had tried for several years to get a loan modification when the economy crashed in XXXX XXXX, but it was never completed. We had decided things wouldnt get any better for us and we were going to move back to XXXX to be around our family. Our house at that time was {$200000.00} upside down. It was at this time we obtained an attorney and decided the Cash for Keys was our best option. Upon inspection of the property Bank of America paid us {$5000.00} to vacate the property. We were told they would take possession of the home and in 2 years we could try to purchase a new home in XXXX. Our credit took a hit. 

In XX/XX/XXXX we went to look for a new home in XXXX. Our credit was checked at that time and it showed we still owned a home in XXXX. Bank of America never took title to the property even though taxes were paid by them and they also were paying H.O.A. fees. There is now a lien against the property for H.O.A. fees with penalties. Our attorney reached out to B of A and they said they had no agreement with us and that we would have to sue them before anything would be done. 

Our attorney filed a case for Breach of Contract. The case was moved to Federal Court. Our attorney informed us we had a bad judge & it didnt look like she would rule in our favor. The case was dropped and our attorney proceeded from another angle. We sued B of A for not taking action within the Statue of Limitations. Several months ago our attorney informed us the state of XXXX  was no longer honoring the Statute of Limitations. The judge said she couldnt rule based on the statute of limitations, but was curious as to why B of A never took title to the property. The judge reviewed the case and decided that we didnt have quantifiable damages as a result of their breach. The case was dismissed again. We have copies of all emails from our attorney if you need to see them. 

In the meantime we were informed of our attorney 's death. We are now stuck with no attorney and haven't found another one to take our case without paying a large retainer fee. Bank of America has said that they plan on going through with the foreclosure. As of today we have not received a foreclosure date but did get notification from XXXX XXXX XXXX XXXX. We feel like this is just not fair. That is why we are reaching out to you. If they are allowed to foreclose our credit will be hit again and we are afraid that the laws now will result in a large XXXX fee. We will never be able to finally get settled in a home here. Right now our money has all been wasted on rent ( {$1500.00} a month ) and our entire home has been in a storage unit ( at {$170.00} per month ) since XX/XX/XXXX. 

Attached you will find copies of the Cash for Keys check & the inspection letter. We also attached a couple of other letters pertaining to the Cash for Keys agreement.
Product: Debt collection

On XXXX XXXX at XXXX XXXX. I received a phone call from XXXX, which is one of the phone numbers that Well Fargo National Bank uses to call me about a debt. I answered the phone and said " Hello ''. The girl on the other end said " Hello? '' I said Hello, thinking maybe she could not hear me. Then she said, " Hello?, Hello?, Hello? '' and hung up the phone. 

The collectors from Wells Fargo call me every day, until I answer the phone, for that week. Then the next week, the cycle starts, again. 

I am working with a Credit Counseling Service to resolve my debt issues. Wells Fargo National Bank refuses the offers made to them by the Credit Counseling Service. Yet, they still accept the money that the Service sends to them, and they still call me every week to ask the same old questions - Can we do a check by mail to bring the account current? How did you get in this situation? 

When I respond that they are getting money thru the Credit Counselors, they respond that they have refused the offer. I remind them that they are accepting the money and tell them that that is the best that I can do. 

Wells Fargo sends me Settlement Letters stating that they are willing to settle for 60 % of the balance. But, at the end of the letter, they state that they will turn the information over to the IRS and that I may be liable for additional taxes. 

I am tired of the endless phone calls, the letters, their refusal to work with the Counseling Service.
Product: Checking or savings account

XXXX XXXX XXXX is charging me fees even though my account is not in the negative. 
On theXX/XX/XXXXthey posted a fee of {$35.00} on my account, which has affected my subsequence transaction to cost my account to be in negative and the further charge me 2 more insufficient fee for {$35.00} each. 
I had money come into my account todayXX/XX/XXXXXXXX ; veiwing my account this afternoon I see another charge off extended overdraft fee for another {$35.00}.
Product: Checking or savings account

The account is in the name of the trust. The owner died XXXX XX/XX/year> and I am the successor trustee. The current trustee. I have been trying to get control of the account since XXXX and it seems that there is a problem with legal review that the legal team at PNC is unable to resolve. The local representative has been responsive and resubmits paper, death certificates, to legal for review. What does the legal team need to turn over control of the account to the current trustee? It is now XXXX, 2 months later.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, i provided all the letters i received from all creditors and provided to all three credit bureaus and as of XX/XX/XXXX, the accounts are not reporting accurate, and the others are not removed per the creditors requestXXXX Mortgage is current and never paid late and the credit reporting agency is reporting several late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I had called to a representative about the reasons for the overdrafts fees that had occurred on my checking account. The representative agreed that the charges should be credited to my account. She went through the charges that were on my account and credited the full amount in which she said she was to credit my account. I thanked her for her help and told her I didn't like the way XXXX  charges their consumers to keep them in debt and that I would like to close my account. On XX/XX/XXXX I receieved a statement to my email from XXXX  showing the credits I had spoke with the representative about and it also included my balance as of XX/XX/XXXX as XXXX ( the date I also closed my account ) I spoke to a rep in the recovery department at XXXX XXXX XXXXwho stated the account noted now say the account has been charged off because I had a transaction added to my account XX/XX/XXXX from the bank for a charge off of XXXX in which I have a statement and call where this was credited along with other credits to my account on XX/XX/XXXX and after account was closed a balance pops up XX/XX/XXXX I have received no notice or any information about a balance especially when I have received my last statement with balance at XXXX. I did not close my account until I had a XXXX balance. Its is being reported that I have an unpaid amount of XXXX which was included in the credits of my previous call to XXXX  and that the account was charged off in which the account was still open and at a XXXX balance at time of voluntary closure
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and ignored for my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that does not belong to me I have been going back and forth with the credit bureau and nothing has been happening I have opened a FTC report and still nothing I need to know why this is still on my credit report if it does not belong to me. 
XXXX XXXX - Acct # XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX XXXX XX/XX/2022 Experian, XXXX and XXXX received a packet from me containing my written instructions for my Credit Report as well as proof of address, ID, FTC report and proof of address. I never stated I wanted to start a dispute but every Credit Reporting Agency opened a dispute. 

Experian-Removed accounts but placed a fraud alert on my account, they said it woud be removed within 72 hrs. However, I got an email that I won't have an update until XX/XX/XXXX. 

XXXX Sent an email asking to verify information they already have to furnish my credit report XXXX-I called them and they sent me to a specific agent that would not say anything once we were connected.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Hurricane Irma affected my home, I entered in a Foreberance Process with Bank of America due to the natural dissaster, in the midle of the process Bank of America sold my mortgage to another Servicer and reported my account as MORE THAN 120 DAYS PAST DUE, I call them and tehy told me they woul fix the problem with the credit bureau, They didn't do it and now I am having problems refinancing my home mortgage, this false/maybe ilegal information is in all three credit bureaus, how come in the midle of a hurricane economic problems they do that to a customer, selling the mortgage ( wich is ok ) but reporting it as a delincuent. They lied to me telling me they was going to correct it and they did nothing, now my interes rates are going to be impacted by that irresponsible actitud and bad service.
Product: Mortgage

every year penny mac mortgage review XXXX my loan for taxes paid to local community for real estate. they then send a threating letter that if real estate taxes are not paid they will require escoret acct and charge us extra in the payment for the taxes. this occurs every year approx XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. our loan is conv 15 year loan which we took to quickley reduce the balance and pay the taxes ourselves. we pay quarterly or monthly depending on our income and expenses and allways catch up to date. 
last year and this year i have called them wrote them to explain that. they refuse to allow us to pay the taxes monthly or quarterly, and threaten escoret and foreclosure if not done.When we signed the loan, the purpose was know to both parties that taxes would be paid out side the loan, they never stipulated timing of when they needed to be paid. 

Penny mac XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX
Product: Credit card

They tell me I have been a joint account holder since XXXX  but can not provide any signed documents stating that because I never authorized or signed anything with the company I would like my name of this account as it is not mine My next step is to get attorneys involved
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at XXXX top score XXXX. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score.

633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor,  fair, good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is XXXX, XXXX, an Transunion has my credit rating wrong according to their allowed score of 300-850. It has a window of XXXX divided by bad, poor, fair, good, excellent you have XXXX in between the XXXX score and the XXXX score. My score falls in the line of fair and once it reaches XXXX my rating should read good. XXXX has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted from XXXX XXXX a removal of a 30 day late from my credit report. The letter of approval for this action is XX/XX/. It has not been removed.
Product: Debt collection

I contacted the credit bureau about my world finance debt and asked for it to be removed because it is paid and I have proof that it was paid from my XXXX credit app, they are refusing to remove it and it is affecting negatively on my report.
Product: Checking or savings account

I've been paying into this account for almost a year, and one day they just closed it after I made a payment. I was not given a reason as to why other than they could not verify me but never gave me the option to prove my identity. 

At the time it was closed I had a little under {$2000.00} in my Self visa card account and about {$230.00} in my credit builder account. I was putting money in the account to build my credit to show that I am able to make timely payments. I PAID FOR A SERVICE and they have deleted all history of these payments off of my credit bureau. I understand closing it but If I have no proof of my flawless payment record then upon closing my account they should also pay me for the services I paid for.
Product: Debt collection

I was called by someone from an unavailable number who claimed they were collecting a debt for a creditor I had never heard of from 2013. They said they were Midwest Recovery according to them. The man told me I had to pay approximately {$1000.00} or he would be reporting me to all 3 credit bureaus. I told them I had not done business with the company he claimed to represent. He told me I took out a payday loan several years back, which was not true. I told them I do not do payday loans. I told him to please follow the debt collection process and send me written notice with the creditor information. They did not send anything. I told him I was not going to talk to someone from an unidentified number ; and a reputable debt collector will send me proper notice and does n't block their phone number. I got told I would have agents appear at my work if I did n't pay. Then a collection action appeared on my credit report from them for {$1000.00}. I looked them up online and they have apparently been doing this to many people. They violate the Fair Debt Collection Practices Act and are impacting my credit for a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

I had spoken to a loan officer, XXXX XXXX at Summit Funding here in California and he had acquired our information and gave us a estimate. After we left we had decided to go with this company as, he was a great talker and seemed to be very knowledgeable. Much to our dismay all the information he gave us was a lie. I was told that I was " A '' paper and would need much as he was going to do down payment assistance and I may need {$2500.00} for down payment and/or to look stronger on paper or perhaps even to pay down debt. This could n't be farther from the truth. I was told to pay in over double that and he said that he paid in almost {$2000.00} and absorbed my seller credit as well for {$850.00} Giving me an amount of {$7400.00} used in total from the credits to the cash paid in. Which is a far cry from the quoted possible {$2500.00} needed to look stronger on paper. 

The primary issue that I had was that I was promised that I was to be locked into a 3.85 % loan and the loan officer failed to the lock the rate and let it go up to 4.385 % before it was locked in. Costing me an additional .5 % on the loan. When I asked about this I was lied to and was told that you do n't lock the rate nor could he. Furthermore, the loan origination fee was supposed to cover the loan and then I was charged for XXXX additional processing fees and XXXX additional Admin. fee. I then asked about those and was ignored and was told that he had no time to explain the extra charges but, that these had been disclosed this previously and he in fact did not. 
Following this the charges changed again and then I was also being charged points on the loan which had never been there but, now all the sudden were on the final disclosure. 

These 's are jut a few of what would appear to be major issues, on top of the fact that XXXX would only read my emails and not provide any guidance nor return my emails as he knew I wanted his demands in writing because of ever evolving asks that was going on. Due to this lack of guidance and attention to my file Summit Funding XXXX XXXX XXXX pushed out my close date 3 times and almost lost the sellers as well. When I asked for status and a definitive close date. The close date was avoided and the lies continued to pile up. I asked him several times to assist and all I would get back is less than becoming conduct and attitude as well as talking down to me like I was n't worth his time. His secretary did all the work and I had to help her do her job as well. Numerous times I was asked to submit the same documents as " they had said that they did n't have them '' and was lied to about the hold ups several times. I was able to acquire the information from XXXX as to what was needed and I advised them to address these failures to upload the proper documents in order to get this processed. Even then they attempted to make it seem like it was n't their fault but, it truly was.
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees charged to my account. Despite having sufficient funds when transactions were authorized, I was assessed fees due to delays in posting charges and credits. This issue mirrors recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal for similar practices, where transactions settled with insufficient funds despite initially available balances. I believe these practices are unfair and request an investigation into the handling of my account transactions that caused my checking account to close.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX  AND XXXX  HAVE INFORMATION ON MY CREDIT FILE THATS IS NOT MINE/INACCURATE