23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I learned on XX/XX/2019, via mail that a vehicle had been purchased in my name from XXXX XXXX XXXX in XXXX, NC, on XX/XX/2019. The vehicle was sold on a loan made by Bank of America for the principal amount of {$84000.00}. Upon discovering this loan was made, I immediately contacted Bank of America and they confirmed the loan had been made. On the same call, I advised Bank of America that this loan was fraudulent and that I did not make it nor authorize it and determined that my identity had been stolen. I was notified by the Bank of America representative on the call that their fraud department was closed for the evening and that I would need to speak with someone the following day. The representative advised me that I would need to submit a police report for the case. I opened a case that very evening. After contacting the XXXX XXXX ( GA ) Police Department ( my  local department at the time ), I was notified that I would need to open a case where the fraud occurred, but they did issue me an incident #, XXXX. I contacted the XXXX Police Department and opened case # XXXX. I then contacted XXXX XXXX XXXX the evening of XX/XX/2019 and notified them that the vehicle they sold was not to me and that I did not authorize the use of my name nor credit, and they had sold the vehicle to someone using my stolen identity. 

XXXX XXXX of the Bank of America Fraud Division contacted me the following day and informed me that she would send me paperwork asserting my denial of financial responsibility. I completed the forms, had them notarized, and submitted them via registered mail to the Bank of America office in XXXX, CA ( XXXX, XXXX XXXX   XXXX, XXXX, CA ). I was notified by Ms. XXXX on or about the week of XX/XX/2019 that she received the paperwork and that I would have a decision within 30 days. 

After a number of follow-up attempts with Bank of America, with absolutely no response from them via email or phone, I was finally contacted today by XXXX XXXX in the same department. She notified me over the phone that the loan was deemed a non-fraud case, which is an absolute farce, because I never authorized the loan. As importantly, Bank of America did not notify me, neither through phone nor mail nor email that the case had been resolved. I had to leave numerous non-returned voice mails before someone contacted my back on XX/XX/2019. Bank of America maintains that I owe them for a loan I did not make nor had any part of. This has negatively affected my credit and prevented me from obtaining credit. Additionally, Bank of America sent me a harassing letter maintaining that I need to register a vehicle that I don't own nor have ever seen in the state of Georgia, or be in default of the loan terms.
Product: Debt collection

Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Unified Portfolio Servicing LLC XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX Calls family members in Alabama asking for me, when my grandmother or mom advises them that I am in XXXX the caller then explains to my family that " he is in trouble '' my grandmother and mom naturally ask if im ok but the caller states " i need to reach him about money he owes ''. 

I disputed this credit inquiry with XXXX, it was removed due to lack of documentation or response. When I explained this to the Oracle group they tell me this is not enough to end the discussion. I then asked for evidence of the loan which I show as paid off in full, they change subject to paying it off. I advise them that I paid it off and on top of that the original loan came from XXXX XXXX who is not responding to XXXX Inquiries. 

The employees at Oracle cut me off and state things like " who cares are you refusing to pay? '' When I ask for documentation. Im curious as to why documentation is so hard to get? It would need to be pretty solid to start calling family members I assume.
Product: Mortgage

thjs is my story i will try to make this as short as posibleI brought my home in XX/XX/XXXX or XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX my financier was mortgage lenders network after maybe a year my lone got sold to another lender then at least two or more lender brought the lone, each time the lone got sold interest rate went up and taxes also when my lone got brought by american services company after six month i attempted to try and get my lone change to a fixed lone i was successful at 8.4 % doing this time everybody was trying to get there home modified so i went on line and attempted to contact XXXX and all of a sudden calls started coming in, a law firm called residents protection law center connected with and told me that they can help so went for itstarted submitting papers i went into active review with american servicing company for XXXX years til residents protection center out of California by the way went M I A and my lender told me that i was in foreclose and i need to leave a s a p i tried short sale that didnt work so i went in a deed in lue and gave up the keys for cash. XXXX years later now i see on my credit report a death of XXXX pluss .american servicing company says there is no death and now the say there is no records of that lone i faxed proff the wells fargo and wating on a responceim sorry i tried to make it short ps i am sdding documents also to you for help
Product: Mortgage

My mortgage payment is due today, XX/XX/XXXX. I tried to make a payment, but the website won't load the page. I tried calling my mortgage company, Mr Cooper. I was told by an automated representative that the computer system is having trouble and to make a payment through the site. I tried again several times to pay through the site but was never successful. I tried to talk to a person but was told no agents are available. I tried contacting them through the chat on their site. That did not work either. I have the needed money in my account and am ready to make a payment. But because of technical difficulties on their end, my payment will be late. I've had my mortgage for 5 years now and have never been late on a payment. I'm very frustrated that this is happening and I feel it is unfair for my credit, etc to be affected by an issue I had nothing to do with.
Product: Credit reporting or other personal consumer reports

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

I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card or prepaid card

I mailed XXXX XXXX a check for {$240.00} that they received on XX/XX/XXXX. i asked that they apply the over payment of XXXX to a purchase that is going to start charging interest in XX/XX/XXXX which they they did not. when i called today i was told they will not apply my over payments to where i advise then i want them applied. I then told this same supervisor to close my account and she also refused to close my account. Why are they not required to apply my over payments where i want them applied so that they do n't earn more interest from me. This supervisor named XXXX reminds me of a XXXX XXXX XXXX XXXX and should be fired for her attitude. they are also not listing my interest rate on my statement For purchases
Product: Mortgage

Im writing on behalf of my elderly/XXXX mother and father in law. 

In XXXX, XXXX ( XXXX ) was the servicer/ bank that held their mortgage. Due to major medical issues the kept my father in law from returning to the work force, and trying to avoid foreclosure they applied for a modification on the loan. XXXX, through a government program that was released in XXXX, granted the loan hardship/modification and fees etc were waived. They were to have a set mortgage payment every month without changing- something they could afford on their small fixed income. 

Since XX/XX/XXXX my Father in law is no longer in the picture.My mother in law took over the finances at the household and we were assuming she was doing fine. 

A couple months ago my mother in law came to us in a panic. She was about the lose the house and all her bills were or were about to be delinquent. After looking into we saw that at some point the loan servicer changed from XXXX and the new servicer SPS was charging her almost double then the modification agreement had stated. Plus they tacked on fees of close to 60k that was added with little to no explanation. 

I have called on MULTIPLE occasions asking for a copy of the modification agreement that was transferred from XXXX to SPS.I ahve also asked on multiple occasions for an explanation/ breakdown of added money. Through multiple recorded phone calls they have refused to provide either. They have supposedly looked everywhere for the modification agreement and it cant be found. Also they are refusing to send any type of explanation as to the money they have tacked on. 

We are looking to refinance the loan but the underwriters at XXXX XXXX will not move forward without the modification agreement or breakdown of the added funds. 

My ssenior/XXXX mother in law will foreclose and face homelessness  if this is not provided and taken care of right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below )
Product: Debt collection

American Medical phone # XXXX calls every single day Monday through Friday at all times of the day for the last 3 months. They have been demanding payment for a {$25.00} debt from an unknown medical expense. They refuse to provide any information or details describing the debt e.g. date of debt, company owed, and for what services. American Medical has refused to send any documentation of the debt in writing to me. They have refused to provide any information about their company. I do not feel safe with providing anyone my personal credit card information or making a payment without knowing who I 'm sending it to and what I 'm paying for. 

I have never left any debt unpaid to avoid hurting my credit, therefore I need information of the debt to avoid paying a debt that I already paid for, or paying for a debt charged to me by mistake. If that is the case, I wish to dispute any wrongfully charged debts. 

I have requested for them XXXX different times to stop the harassing phone calls, and they have continued to call everyday. The last representative 's name was XXXX and I asked her to remove me again from their calling list. I have photo documentation of all the calls they have made to my phone. 

I would like the harassing phone calls to stop immediately. They have been disrupting me while in school or while still sleeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

This alleged debt was already removed because the utility XXXX XXXX could not verify the date over a year ago and the time for them to reverify the debt has closed by statute. The debt collector hired by XXXX XXXX, Trans World Systems and XXXX XXXX were served with debt validation letters and they could not verify the debt and subsequently expunged the alleged debt over a year ago. This alleged debt has now been reinserted to my credit report in an unauthorized manner, not compliant with statues and improper and unlawful and not comporting to law.
Product: Payday loan, title loan, or personal loan

I had no knowledge of this loan until I was contacted by a company call XXXX XXXX on XX/XX/XXXX, They told me they were contacting me on behalf of Mobiloans an online lending company and that I was being sued for an amount that was not disclosed to me. It was said the loan was taken out somewhere in " XXXX ''. The rep on the would not give me her name and she was nasty. I reached out for help where I was then given contact information on the company mobiloans. I called the company and spoke with a rep named XXXX who gave me information on the account. The loan amount was {$1500.00}, taken out on Tuesday XX/XX/XXXX, at XXXX using an old address that I used to live at. Using what seems to be my XXXX XXXX bank account. I have pulled my bank statements from XXXX and XXXX and online deposit of XXXX was ever placed into account. 

I can also attach my bank statements that show on XX/XX/XXXX, I did receive a loan in the amount of XXXX
Product: Credit card

Bank of America closed my credit card account at some unspecified time without notifying me. I 'm not sure when, but I paid off my balance last month. When I called to ask why they closed the account they said it was because I had n't used my card in 60 days and they were n't receiving money from me. They reopened it, but until I receive a new card, which they estimate will take 2 weeks, I ca n't use my existing card even though apparently my account numbers, etc. are all the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report pleas ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Mortgage

LOSS MITIGATION APPLICATION BY FAY SERVICING I had fallen into a covid related hardship when I had to take time off from work to care for my XXXX XXXX XXXX during the pandemic when there were no programs he could attend. This lead to my inability to keep up with my mortgage payments. I had applied for assistance several times and was denied. With the assistance of the XXXX XXXX XXXX XXXX, an application was sent to the town of XXXX XXXX, who awarded a check of {$50000.00} to off set most of my debt, Fay servicing refused to accept it and still holds on my application denial. I then contacted CDC, who put in a new application to Fay servicing, proposing to Fay servicing to take the {$50000.00} as a down payment to remodify the loan which they also denied. They are not allowing me any right to appeal. I will kindly need your intervention since losing my home would be detrimental to my son 's health status/condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017 I SUBMITTED A IDENTITY THEFT AFFIDAVIT REPORT ALONG WITH DOCUMENTS TO BLOCK THE INFORMATION DUE TO FRAUD. XXXX & EQUIFAX REFUSE TO BLOCK IT. THEY SAID THEY WONT BLOCK IT BECAUSE THEY BELIEVE I MADE A MISTAKE. SO I RESUBMIT IT AND TOLD THEM IT WASNT NO MISTAKE AND THEY STILL REFUSE TO BLOCK IT. XXXX SAID THEY DO NOT HONOR THE FTC IDENTITY THEFT AFFIDAVIT. THEY ALSO REFUSE TO BLOCK THE INQUIRIES AND REMOVE THE FRAUDULENT ADDRESSES.
Product: Mortgage

My wife was currently on a XXXX ( XXXX XXXX XXXX ) for XXXX weeks, with XXXX weeks unpaid. She recently returned to work, but the information was provided in the loss mitigation application with repayment options that fit our budget. Apparently, an old credit card debt was on our lien and we were not aware of it until engaging in this process. We found that the debt is an error and filed an answer with the company via clerk of courts and currently waiting on a response. 

However, when I called to inquire about the loss mitigation appeal process, I was informed that any information emailed to the home preservation department in the format of a Word document, the system rejects the files. We provided requested documentations approximately XXXX to XXXX times using the email provided and was never informed that all files must be in a PDF format. I also reviewed mailed instructions multiple times to see if I overlooked this detail, however it is not stated anywhere. 

Truist denied our application for loss mitigation assistance due to the lien on the title, with no details of what options we can take regarding the lien... even after sending all communication with the debtor and courts. I recent all required documents in the PDF format, but do not believe we should be in jeopardy of losing our family home for lack of information. 

We pay an additional amount every month due to PMI, however, we have requested multiple times for lower payments since our household income has decreased by approximately XXXX  % since cutbacks at my place of employment and still has not been granted. We've been between barely making monthly mortgage payments or on some type of short term forbearance off and on since then. Records reflect on time payments dating back to 2014, with no hiccups until XXXX. So if we pay for PMI, Why are we constantly getting denied a lower mortgage payment option. It really seems that we are being beaten down for every dollar with no reprieve. Isn't this the sort of thing the PMI was supposed to assist families with? We love our home and can afford it with slightly lower payments. Shouldn't this be an option with FHA mortgages? Please help...
Product: Debt collection

I received a letter on XXXX XXXX from Diversified Adjustment Service Inc stating that an alleged account through XXXX had been placed with them to collect XXXX. I responded to the letter by sending a certified debt validation letter. I had previously received a collection letter from a company called XXXX XXXX claiming they had received my information from XXXX trying to collect the same alleged debt. They had went so far to furnish it on my consumer report without validation. I sent them a validation letter and they ended up removing the collection. Fast forward to Diversified Adjustment harassing me about the same alleged debt. I sent them a validation letter and they sent back a statement/bill, nothing with my signature or how they even calculated the alleged amount diversified was accusing me of owing. I sent them back a letter stating the statement that was sent to me was incorrect and the information that was sent was not what I requested to validate the alleged debt. I went to check my consumer report and seen where Diversified had put the collection on my report. Diversified has violated my right to privacy as a Consumer and the FDCPA.
Product: Money transfer, virtual currency, or money service

Two XXXX transfers through PNC bank were made for an apartment lease that was found to be a scam. 

I filled out an application ( XX/XX/20 ) and signed a lease ( XX/XX/20 ) for an apartment at XXXX XXXX XXXX, XXXX XXXX, XXXX PA XXXX. I made to transfers to pay for rent via XXXX through PNC Bank. The recipient then was a no show at time of key pickup and texted me from phone number XXXX telling me that he had scammed me and stole the money. He uses an alias of XXXX XXXX under XXXX XXXX which is a legit real estate business in XXXX XXXX. 

Transaction 1 : XX/XX/20 {$1000.00} XXXX XXXX Account : XXXX Confirmation : XXXX Transaction XXXX : XX/XX/20 {$990.00} XXXX XXXX Account : XXXX Confirmation : XXXX The recipient admitted to the scam on XX/XX/20. I immediately called PNC Bank and made a report. I am awaiting written notice regarding their decision. 

I have also taken this issue to the XXXX police department in XXXX XXXX as well as the police department in XXXX, PA as that is where license address is. Neither precinct will help me file a report. XXXX police did open a record to show proof that I called with the complain. The number is XXXX.