23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I filed for Chapter XXXX bankruptcy due to my mortgage payment behind with at the time XXXX XXXX. The court was given an amount for my arrears balance and I was required to continue to make my monthly mortgage payments. At that time with XXXX. Mid XXXX I received a notice that my loan was now being serviced by GreenTree. So I began to make my mortgage payment via bill pay to them. Payments on the arrears balance came from the trustee and I made my monthly payments. At one point in late XXXX I became unemployed and I fell behind. My attorney work with the mortgage servicer work out an agreement in XX/XX/XXXX where I paid one catch up payment of XXXX and an additional payment of XXXX each month for six month. Thankfully my bankruptcy was discharged and paid in full XX/XX/XXXX. However, at that point the mortgage servicer has now changed their name to Ditech. After 40 months in bankruptcy in XXXX Ditech submitted to the trustee that I still owed 4 months of payments. I contacted my attorney and the bankruptcy department at Ditech and ask for someone to please explain how this was possible. I made all of my payments and I request a payment history from the company. Each time I requested documents or spoke with anyone the balance of what I " owed '' changed. I filed a formal dispute with the company via phone, and given the lack of cooperation I resorted to shame tactics on XXXX. Since XXXX I have tried to get a straight answer out of Ditech. I received only one detail email response back from the company and all of their information and dates on the email were incorrect and did not reflect payments I made. In additional I pointed out that their information in the email was completely different than the payment history I finally received via mail. It is now the end of XXXX and there is still no resolution. Ditech/Greentree received fines by this agency and the Federal Trade Commission just two years ago for these same tactics. Poor recordkeeping, collection notices sent while the customer is disputing the debt. Nothing seems to have changed with them. But I know it is unreasonable to expect me to pay back monies I already paid due to their poor recordkeeping. meanwhile I am still making my current monthly mortgage payments each month only to have the monies applied to an arrears balance that is not accurate and that I do not owe.
Attached are copies of the Order Denying Motion for Relief from XXXX-My written dispute letter with Ditech.
Product: Student loan

Good day. I am having problems with AES. I went to XXXX  school and took out loans for that. Being a naive enthusiastic XXXX  student I did not realize what I was getting into with my school. My loans were from the school but now they are with AES. While I was in XXXX I was expected to pay on my loans and I did at times, but I could not afford the payments. I did get some deferment but the interest was accruing. Since graduation in XXXX, I have been consistently paying my loans, only missing a few months in between. I have paid a total of XXXX k into my student loans. The interest rate is a variable one and at one point was high as 11percent. I have tried to contact aes and get a lower interest rate, but I was always given an answer of no. Most of the XXXX I paid went to interest and late fees. I have also asked for a settlement amount and I was told again no. This year I have made consistent payments and have asked them to stop reporting negatively to the credit bureaus, but they were not able to help me. I tried to refinance my student loans with XXXX and XXXX and got rejected. My credit score has suffered due to them reporting to the bureau. I am not able to get a house or do anything because of this. My credit profile was recently pulled from a mortgage lender and I was told that it appears on my profile as if I have not made any payments to my loans since last year. I have proof of payments. All Im asking is that they work with me so my credit score can go up. Thank you for your time.
Product: Mortgage

I recently signed up for Chase bi-weekly mortgage payments as Chase advertised that I would " Save money '' and " make an extra mortgage payment '' each year. Both statement are inherently true : if you make an extra mortgage payment you will save on interest. 

What Chase does not tell the customer ( me ), is that they are not applying your bi-weekly payments to your mortgage Chase is withholding the first bi-weekly payment ( assuming in a non-interest bearing account ) and then paying your normal monthly loan payment once the second bi-weekly payment is received. The customer is " saving '' because there are 26 bi-weekly payments ( 52 weeks ) in a year vs. paying twice a month or 24 payments for 12 months. 

I believe there is possibly a TILA issue and a UDAAP issue here. First, my mortgage payment is not being applied to my account upon receipt. If I pay my mortgage bi-weekly, the funds could/should be broken down to principal, interest, and escrow, thus, reducing the principal amount every 15 ( or so ) days. If my principal amount is reduced bi-weekly, then my interest amount would/should be reduced bi-weekly. Over time, the amount of interest I pay would be reduced by # 1 the extra payment each year AND # 2 the interest savings from the bi-weekly payments. Currently, the only benefit to bi-weekly payments is making an " extra '' payment due to the number of weeks in a year. 

Secondly, I believe the bi-weekly payment marketing is misleading ( UDAAP ) as I was not aware that Chase would be withholding my bi-weekly payment until the second bi-weekly payment is made. There is potential that Chase is putting my funds into an interest-bearing Chase-owned bank account while they wait for my second bi-weekly payment, thus making more money in interest. By making bi-weekly payments, I forego the opportunity to earn interest on the money I give to Chase. Had I known that Chase would not apply my bi-weekly payment when it was received, I would not have signed up for bi-weekly payments as there is no principal and interest reduction value for the 15-16 days it sits in a Chase account. 

I called Chase on XX/XX/2019 at XXXX XXXX  EST and spoke with XXXX XXXX who listened to my complaint. I asked that my complaint be brought to the Office of the President. I also stated I would file a complaint with the CFPB. 

Please see below steps 1-5 for information regarding my mortgage payment history. 

1 ) XX/XX/2019 paid monthly mortgage payment ( {$1900.00} ) 2 ) XX/XX/2019 paid monthly mortgage payment ( {$1900.00} ) 3 ) XX/XX/2019 paid bi-weekly mortgage payment ( {$1000.00} ) - unapplied to account 4 ) XX/XX/2019 paid bi-weekly mortgage payment XXXX {$1000.00} ) - unapplied to account 5 ) XX/XX/2019 Chase utilized bi-weekly funds ( {$2000.00} ) to make regular payment of {$1900.00} plus {$16.00} extra principal. 

6 ) XX/XX/2019 paid bi-weekly mortgage payment ( {$1000.00} ) - unapplied to account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX XXXX Is another frequent number ALLY FINANCIAL is calling from. While in dispute they have been attempting to contact me via phone and email.
Product: Credit reporting or other personal consumer reports

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I don't recognize this lender, and I don't remember authorizing them to perform a hard inquiry on my credit report. Inquiry from Money XXXX XXXX XXXX XX/XX/XXXX I don't recognize this lender, and I don't remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXXXXXX XXXX on XX/XX/XXXX I don't recognize this lender, and I don't remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter.
Product: Student loan

I have been attempting to settle the forebearances and default on my student loans for 10 years. I have answered my phone, cooperated with both XXXX and XXXX  XXXX   XXXX by filling out forms, returning their forms, calling customer service, speaking to customer service, but they have refused to process anything I have sent, and have wasted 10 years of my time. My payments and treasury offsets for my tax refunds are not showing up anywhere, despite the fact that my Federal refunds have been garnished for 5 years. They have harassed me with daily mail, phone calls, and wage garnishment notices, while refusing to give me a hearing. I was in the class in a class action lawsuit in Virginia against XXXX XXXX XXXX, and they were ordered by that court to cease and desist the fake wage garnishment notices without first offering a hearing. They have now blocked my phone and email from any further communications.
Product: Mortgage

XXXX 2015 received loan modification with a new payment of {$440.00}. 4 months later we were informed escrow was negative XXXX. I paid XXXX to pay back escrow. The following year escrow stated I was to pay XXXX for escrow was now negative XXXX. 8 months later I discovered 4 house payments mailed back for flagstar stated it was XXXX dollars short. I mailed money orders to avoid XXXX dollar call in fee. In default again after I was struggling to pay extra every month. Hired a lawyer for possible chapter XXXX but ca n't afford the process.currently loosing my home. I am part of class action law suit. I 've received two reimbursement checks. Flagstar strung us along for so long trying to get a modification only to deny us so we got a lawyer. In the end they refused my money causing me to default.
Product: Mortgage

My husband and I purchased my family home where I was born and raised in XXXX. In XXXX I was divorced and the home was solely mine through the divorce as a single mother. My mortgage was with XXXX XXXX. I filed a quit claim deed removing my ex husband and attempted to refinance to remove him from the mortgage. While refinancing Select Portfolio Servicing ( SPS XXXX ) bought my mortgage. They advised me they were not a bank but only a servicing company and I could not refinance through them. In the meantime I lost my job and they offered me a mortgage forbearance during XXXX. Not only did I lose my job but my daughter was schooled from home like most kids during that time and all my bills went up including electric, internet, food, etc. I was then advised after several months of missing payments that they forbearance was not possible because at one point in time we completed a modification through XXXX XXXX and there is now a balloon payment on the back of my mortgage. Because of that they could not put my missed payments on the back of my mortgage which meant I was misinformed by SPS in the beginning. They are now attempting to foreclose on my property because I am in default of my mortgage. I have contacted them several times for a resolution to this matter only to be told the only resolution was to pay more than double mortgage payments from {$1100.00} a month to {$2300.00} per month for one year. That is not possible. I resumed my mortgage payment in XXXX of XXXX and have been paying on time ever since. Upon googling SPS XXXX there are sooo many complaints out there from people with the same situation. Meanwhile in XXXX I applied to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for help with what I owe my mortgage company. On XX/XX/XXXX PHAF contacted SPS Servicing to get documentation on what was owed as I was approved for the process and SPS has failed to get back to XXXX to verify what is owed. They have contacted them several more times only for no one to once again get back to them. I have contacted my state representative for help with this matter ; XXXX XXXX and they advised me to file a complaint which is what I am doing now. They think it is very concerning. Last week I received an intent to foreclose letter as well as a copy of a letter that was sent to my homeowners insurance company with the intent to foreclose letter as well. XXXX has advised me once again they sent letter and made calls with no response. I now owe attorney 's fees on top of what is owed because they are not cooperating. PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXXhas violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A : it also state a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I contacted [ Lender Name ] regarding my loan ( # XXXX ) when my balance was {$1200.00}. I have already repaid more than I originally borrowed, yet the balance continues to increase due to excessive interest charges. 

On XX/XX/year>, after failing to reach a resolution, I sent a cease and desist letter requesting that all communication be stopped. However, the company continued to correspond via email through XX/XX/year>, disregarding my formal request. 

Between XX/XX/XXXX and XX/XX/year>, I made three separate attempts to negotiate a settlement due to extreme financial hardship and recently incurred medical debt. The company refused to negotiate or offer any assistance despite my good-faith efforts. Instead, my balance has now increased to {$1300.00}, even though I have already repaid more than what I borrowed. 

As of today, the loan is 76 days past due, and the companys refusal to work with me has led to continued financial hardship. I am seeking immediate resolution, including removal of excessive interest charges and a fair settlement. Additionally, I ask that the company be held accountable for violating my cease and desist request by continuing to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$500.00} XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX XXXX XXXX {$190.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern. 
I am writing to update/correct my personal information on file with your company. 

Please update my address ( ( ( XXXX XXXX XXXX XXXX ga XXXX ) ) ) Please update my name ( ( XXXX XXXX XXXX ) ) I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Citizens Bank checking account overdrafts and fees 1 ) instructions by me not to pay any overdrawn amount repeatedly ignored 2 ) overdraft policy poorly defined 1 month only overdraft paid is scheduled payments not debit purchases after funds not there only to have it change and debit purchases allowed but scheduled payments returned only 5 days after they post to account ie I made two credit card payments within 30 seconds of each other because I have two cards with one company. Almost a week after they posted to my account one of the payments was reversed meaning my account was charged overdraft fee when it posted and return fee when it was arbitrarily sent back. A week later a scheduled payment was paid posted to my account then a week later returned. Overdrafts are allowed to accumulate and then at an arbitrary time card is constantly declined. Over a year ago I repeatedly requested no overdrafts because every manager I talked to defined it differently how and what debits are allowed as overdrafts. This refusal to follow my instructions has resulted in high overdraft fees every month resulting in THosands of dollars paid in fees over the life of my account.

3 ) Six months ago I deposited check from company. Bank sent letter saying extended hold placed on it. Bank sent letter within 3 days of deposit saying would not honor check. My bank app showed that the check amount not credited to my account but their register showed it being deposited delaying fund depletion but when sent back I incurred fees and overdrafts These policies make it too difficult to manage account to prevent overdrafts but the bank does not seem to allow me to request no overdrafts. I am XXXX in constant pain and the mental process of managing condition causes lapses in my ability to manage funds using online tools that is why for over a year I have requested no overdrafts to be allowed. The arbitrary overdraft policy assures bank of monthly overdraft fees and a {$30.00} a week extended overdraft fee costing me thousands of dollars in overdraft fees. Over the years my complaints have resulted in some fee reversal but it is nothing compared to money I have lost.
Product: Payday loan, title loan, or personal loan

I was sick for XXXX weeks and unable to work. I contacted Onemain for short term hardship. They asked me to send them 2 months bank statement. Which I did. They came back and said that there were deposit in the account even that there were a drop of 50 % on the deposit. Somehow that show profit for a self employed individual. Those most of those deposit were just XXXX transfer to cover expenses because I was not working and the underwriter can clearly see that. I do not know why this company just want to push peoples to the edge when they know you are having a temporary financial issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I was involved in a terrible XXXX accident and was in the hospital for several months that Resulted in me losing my job. In XX/XX/XXXX I contacted Wells Fargo and explained my situation and was told that they had a loan modification program I was told at that time while my loan was under review that I did not have to make any payments due to my circumstances While my account was under review. This dragged on for Seven months XX/XX/2014 through XX/XX/2014 after my loan was modified I then received notice that my credit history was impacted due to the lack of these payments While I was waiting for a response. Why'd it take Seven months for them to review my loan remodification? I believe the information I was given at the time was inaccurate and therefore not my fault. Why did they just add another 10 years to my mortgage rather than reducing my interest rate like I was asking? Wells Fargo has a complete disregard for consumers and their only interest is making money for themselves With an absolute lack of empathy whatsoever for any of their clients. 
Wells Fargo customer service has been unwilling to acknowledge their mistake I feel this practice is is wrongful and they should own up to this mistake. I ask that this negative report be removed from all three credit bureaus my next step will be to challenge this in a court of law in the state of Kansas.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. The account shows an open balance which again is inaccurate and needs to be deleted from my credit report. 

XXXX  XXXX XXXX In accordance with the Fair Credit Reporting Act Public law 91-506 Title VI Section 611 please provide the names and business addresses of each individual with whom you verified the above account and balance with so that I may follow up. Also please send an update copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I filed the same complaint XX/XX/XXXX, under complaint number XXXX. Recap, both XXXX and XXXX continues to report the error. XXXX XXXX  has reported three late mortgage payments, which took place during the Cares Act forbearance period, and signed into law XXXX XXXX XXXX. I have 2 mortgages and a HELOC. In my first complaint the error was made in mortgage # 1 and to remedy the error the bank has moved the error to mortgage # 2. Neither mortgage or HELOC should have recorded delinquencies during the forbearance period. The error has resulted in a decline of my credit score and the reduction of lines of credit available to me, in several accounts. Why is the bank permitted to play XXXX? This error has resulted in a financial hardship to me and continues. Please address with them.