23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX I signed documents for a loan modification on my house through Ocwen Loan Servicing , LLC. The modification went into effect XXXXI filed for XXXX  XXXX Bankruptcy XXXX. All payments were taken directly from my paycheck. The loan servicing either changed hands or name to PHH Mortage Services. It is now XXXX in C/O PHH Mortage Services XXXX My Bankruptcy has been paid off. After the Bankruptcy I started using a third party company to make my payments, In XXXX of XXXX  I requested a payoff. That's when I discovered that during the loan modification there was a non interest balanced placed on my loan. I received a letter from XXXX dated XXXX that I had a surplus in my escrow account and I would be receiving a check for the amount of the surplus. I received the check around the time I received the payoff letter. That's when I was made aware of the non interest balance. I tried to apply the check to that balance. XXXX would not allow me to do that. That's when I discovered that there was a clause in the loan modification that allowed them to put this balance on my loan. I was not aware of this at the time. My main concern that that I was keeping my house. I have been making my payments on time for a good while now and want this balance taken off of my loan. I don't believe this balance is right. I believe that the company used my situation to benefit themselves and it has put me in worse financial shape then before. The payoff is more than what the loan was for to begin with. I have been in this house for almost 17yrs.
Product: Credit reporting or other personal consumer reports

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021
Product: Debt collection

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me writ

e to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard th
at if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : Account Number : Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
. 

Account Name : XXXX XXXX Account Number:XXXX  Amount {$310.00} false fraud amount remove now I want to know how this was verified anyone could have used my name my wallet was sitting in a parking lot Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.
Product: Vehicle loan or lease

I had a loan with 53rd bank. I worked with XXXX XXXX to refinance the loan. A pay off check was sent to them and processed on XX/XX/XXXX. The balance on XX/XX/XXXX on the account XXXX. The pay off check was for XXXX. Resulting in an overpayment of XXXX. During the time for the refinance to finish, I continued making payments, A payment of XXXX was processed on XX/XX/XXXX, taken out of my XXXX XXXX XXXXXXXX Account. The payment on XXXX was processed after the check cleared. so in total I overpaid the account by XXXX = {$1600.00}. The refund they are sending me is {$750.00}. They have no record of my payment that was made. I have evidence from their website but they continue to deny that a payment was made. They are also charging me approx. XXXX $ in interest for paying the account off. I contacted their CS over 10 times and they have no idea. The last two calls get conveniently cut off before a specialist can give me details. The math doesnt add up at all and they refuse to investigate this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments and loan amount, payment dates, accounts last used information is incorrect and inconsistently reported on all credit reports.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove are hurting my ability to obtain credit. 

XXXX XXXX XXXX Date XX/XX/year> {$300.00} XXXX XXXX XXXX Date : XX/XX/year> {$3100.00}
Product: Debt collection

I would like for the AR RESOURCES INC to show proof of verification that I owe them {$6200.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account reported me in XXXX I called that company to be able to solve the problem which reports me wrongly in my credit report since it does not appear in XXXX or in XXXX 

I called experian and they suggested that I file a complaint with you so that it can be resolved directly with them.
Product: Checking or savings account

XXXX XXXX I used mobile deposit to deposit a check reimbursing me for XXXX  expenses. As expected, I was informed it would take a few days to clear, which happened on XX/XX/XXXX. On XX/XX/XXXX I awoke to texts that automatic payments did not go through. Upon calling Chase, I was informed that my account was frozen due to depositing the check, and that it would take 7-10 business days to have access to any of my funds, not just the amount of the deposit. The supervisor at Chase told me all I could do is wait for the deposit to clear ( which according to my online account, already happened ). It should be noted that this was a check from another Chase customer, being deposited into another Chase account. When I asked why I received no notice about my account being frozen, the manager told me a notice had been mailed out, which I have yet to receive.
Product: Mortgage

i was supposed to close on my home on XX/XX/2016 just to find out that i was not able to do to the fact that the special warranty deed was not completed from Pennymac to HUD ... So now for the holidays Im homeless with my 2 children when i called Pennymac nobody seems to care. I have not splet or ate in days. How could something so simple have me and my children facing being homeless. Ive begg this company to respond ive called all day and been passed around. Please help me time is not on my side with this issue.
Product: Student loan

I took out the loan in XXXX but the following year, I XXXX  my job, home and all financial abilities to pay back this loan. I was forced into a forbearance. I attempted to apply for the hardship exemption but Sallie Mae never responded to my claim. They ended up taking over {$2000.00} in tax refunds for a couple of years. However, those payments were never shown on my file. When XXXX took over, I attempted to work out a payment plan. they indicated I needed to pay the full amount or be placed in another forbearance. I was working at a XXXX XXXX XXXX. I was not making ends meet and I could not afford this amount. So each year the payments were attempted but too much to pay back. Which XXXX rent being so high, I can't afford the {$200.00} + payments. I attempted to apply for the Public service forgiveness. They told me I was wasting my time. They refused any info other than I needed to pay the loan in full. I worked for a XXXX for XXXX  years and moved to a different XXXX  organization. Navient stated I could not change jobs the only way I could apply for a public service forgiveness is if I started all over again with my new job. Then in XXXX, I was told ( right before Navient switched to XXXX ) I had to consolidate the loan to a loan with the Dept of Education or I would not be eligible. only to find out that I now have to start at zero again. I might not be eligible for the Sallie Mae/Navient forgiveness XXXX They really lied to me and misled me to believe I had no options to pay this back. They stole my tax money and never applied it to the loan. now, when interest rates should not be applied, I owe more than I owed in XXXX. Over {$11000.00}!!!! This is a loan shark! They will have me paying this long after I am retired. This is not fair! What makes me ineligible for the same programs as most people struggling? I was XXXX and there is nothing that could help me? They stole from a XXXX  women trying to survive. That is wrong and now, after XXXX years, there is still no help or apology? This is not justice!!! How can I get help? How can I get back the time taken from me because I was conned into consolidating before the Navient transfer? does Washington know how Navient is still messing with people?
Product: Credit card or prepaid card

I discovered fraudulent activity on this account XXXX XXXX via XXXX XXXX XXXX for {$5000.00}, XX/XX/18.
Product: Credit card

We have automatic payments that come out of our XXXX to pay a Bank of America credit card monthly. We recently sold a home and decided to pay off the Bank of America credit card, not with our XXXX account, but with another account XXXX. We went online, changed the bank to XXXX and submitted the payment. This was on XXXX XXXX. The next day our XXXX account was debited for {$11000.00}. This left us {$11000.00} overdrawn since we only had {$300.00} in that account. We called Bank of America and explained the situation, they could not say why the funds were taken from the wrong account. They cancelled the payment and told us it would take from 2-9 business days for them to return the funds. Nothing was or is overdue, our account was up to date. We then called XXXX to explain the situation, they were willing to wait for Bank of America to return the funds. Luckily Bank of America returned the funds ( XXXX ) the next day on XXXX XXXX along with the {$40.00} fee for NSF. We thought the problem was taken care of. On XXXX XXXX they resubmitted the debit to XXXX for XXXX. Their reasoning was that their system is automated and automatically would try to retrieve a prior payment with NSF. However XXXX paid the charge the first time so it was n't as though the system would recognize it as not paid. Today is XXXX XXXX, there have been 3 phone calls and countless hours. They promise that they will return the funds to our XXXX account within 2-6 days. We had to call XXXX again and repeat the same process. They have sent us a complaint form which we will fill out this evening.
Product: Checking or savings account

I closed our checking and savings accounts a year ago but kept a financial management ( Merrill Lynch ) account open. Bank of America accepted a charge on our closed account, opened it and overdrew it. 
B of A should NEVER be allowed to open a closed account simply to collect overdraft fees. I believe this is fraud.I can not reach a human at Bank of America and all my efforts result in a circular web chase ( contact us- phone- close account- contact us- phone- close account, etc. ) I just want to clear up the overdraft and close the account. Bank of America makes it inordinately difficult for those of us with XXXX jobs to contact anyone who can help.
Product: Student loan

My wife and I have a student loan with Sallie Mae. We made and payment to Sallie Mae and then followed up by calling because account was still showing up passed due. Once my wife and I called them and told them the information was incorrect and asked for issue to be fixed, they continue to investigate the issue and always said to us that the issue would be fixed in the next 2-5 business days and the issue never was fixed. We continued to call and nothing was done. I decided to end it and make the payment they said was owed. Once I made the payment, the company reported we were passed due and immediately my credit score took a hard hit. I then again called back and still nothing was attempted to be resolved or fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my XXXX XXXX for an XXXX in XX/XX/2022. My delivery was delayed because I had a medical procedure in XXXX and to make matters worse my wife was diagnosed with XXXX and needed to quarantine which further delayed delivery. The new vehicle was finally picked up on XX/XX/XXXX which created a 30 day late on my Experian, XXXX and XXXX credit reports. Prior to this, my credit scores were all in excess of XXXX. I reached out to XXXX XXXX who financed my XXXX XXXX and requested a goodwill adjustment because I never had a 30 day late with them and they refused any accommodation after speaking with 5 different individuals. My request for a goodwill adjustment was due to extenuating circumstances as mentioned above. XXXX XXXX XXXX was paid off on XX/XX/2022 as per XXXX own records which is attached to this complaint. My payments for the XXXX XXXX are due on the XXXX of each month. As is clearly evidenced by the attached transaction report the car was paid off prior to the XX/XX/2022 due date. XXXX not only reported a 30 day late in XXXX but also reported the account as 30 days late in XXXX which is IMPOSSIBLE because the car was paid off prior to the XXXX payment due date ( XX/XX/XXXX ). XXXX has yet to correct their error which has further deteriorated my excellent credit ratings with all three credit reporting agencies. Furthermore, as evidenced by the attached XXXX account statement, my account is currently listed as past due which is outrageous. In addition, my XXXX report is showing the account as 60 days past due TWICE ( screenshot attached ). This has caused extensive damage to me personally and I demand that this erroneous and derogatory information be deleted immediately. I have tried to dispute this inaccurate and damaging information with all three credit reporting agencies but their online dispute portals will not allow me to attach documents.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

This happened on XXXX, XXXX with Robin Hood and they were no help. I opened my account to a notification that my account was under review and I could not make any transactions during this time. Then they proceeded to sell every share of a stock I owned this made the balance of my XXXX  {$26000.00}. I tried to email Robinhood since they have no customer service number then the weekend passed and it was still locked I could not with draw anything and it said my balance was just in cash in the account. Then today XXXX, XXXX I received a notification that my account was done under review and I was able to withdraw the money but with that their is {$4500.00} missing out of my balance. This said that I only had {$22000.00} to withdraw which is wrong and when I try to contact them they are no help and its over email and they don't respond. They proceeded to say i have 60 days to take my balance out of the account or the money is gone because they are deactivating the account. I have tried to contact support plenty of times and I get nothing. In the account their is no record of them showing where that money went. I have picture proof of the balances the shares that were sold and everything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

DRIVETIME where is my written permisson? Please provide me a copy of my written instructions to obtain my consumer report on XXXX. I never gave consent electronically either, that will not suffice only my written permisson is allowed to pull my credit report. Drivetime you did not have my written permissible purpose ( keyword " written '' ). Drivetime please provide me once again my written instructions. Drivetime you also have not contacted me and I have not received any correspondences from Drivetime aside from CFPB. The proper way of communication is via mail and I have not received any communication via mail. I would like for you send me my written instructions. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f )
Product: Mortgage

1, On XXXX XXXX, 2016, I was denied application for a mortgage prequalification by GuaranteedRate.com. I am on XXXX and the agent said that I had to guarantee benefits would continue for three years, ( clearly a violation of the Fair Housing Act and the Equal Credit Opportunity Act ), though I did not know this at the time. I asked why a loan would not be underwritten even though I had a XXXX benefit letter to present. He said that the three years continuation of benefits was the company policy. 

2, On XXXX XXXX, 2016, I called XXXX XXXX to inquire there about obtaining pre-qualification. The same occurred, the officer articulated the guarantee of three-years of future benefits policy almost word-for-word.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX put my mortgage account into forbearance without my knowledge. All payments have been made on time and I have never missed a mortgage payment. XXXX XXXX claims I agreed to have deferred payments due to Covid19. I never signed or verbally agreed to anything regarding Covid19. Hence never missed a payment. I did not need any assistance due to the pandemic. Now my credit report is showing XXXX XXXX account in Forbearance and affecting me when applying for other credit. I've reached out to XXXX XXXX numerous times and still haven't heard back or have had the problem resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. this account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate the account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Please update this account : XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I ordered a software called XXXX that supposedly would increase my chances of getting sneakers. The ordered was placed through PayPal on XX/XX/XXXX. The transaction was posted on my XXXX XXXX account on XX/XX/XXXX. 
The company that sells the software/app called XXXX advertises the app in a very deceptive way. I called XXXX XXXX to dispute the charge as the company claims they don't issue refunds. XXXX XXXX said they could do nothing about it because the transaction was made through PayPal. I contacted PayPal on XX/XX/XXXX, they in turn contacted XXXX XXXX XXXX XXXX XXXX XXXX stated that I wold not get a refund and they shared their terms and conditions. XXXXXXXX XXXX XXXXXXXX made it seem to PayPal like they sold me a product that I just do not know how to use. When in reality, they sold me a software that just works as an autofill option and only works on items that do not need any software to be purchased. This makes the purchase and software pointless. 
Paypal ruled in the merchants favor because they stated I did not receive a damaged item, I have worked for a company that does bait and switch, XXXX XXXX XXXXXXXX is definitely one of these. XXXX XXXX XXXX advertises something, sells you another thing and then makes you seem like the bad/incompetent one to the financial institutions. I took this long to make a complaint because I just now realized that I could do this. 

https : XXXX I attached images of the conversations, they make the bot seem like something that is very desirable. Only people who would pay more than what I paid are people who are even less informed than I was.
Product: Debt collection

In 2009 whilst away at school my name was used to open a utility account with XXXX. this account was opened fraudulently without my consent or authorization. 
I have not or did not give permission to any person to use my confidential information to open an contract or for me to be included me on any application for service with XXXX.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  XX/XX/year> XXXX XX/XX/year>