23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am nearing the maturity date, and I am unable to re-modify the loan. I am facing three choices : 1. ) Short Sale, 2. ) Refinance, or 3. ) Foreclosure. 

After the death of my husband in XXXX, I was faced with taking over the mortgage for our home. The original lender refused to work out a modification with me because of my lack of income, and as a result, my home landed into foreclosure status. 

After looking for solutions for some time, I was finally able to obtain a loan modification. Of course, I was excited and relieved. My home was finally getting out of foreclosure status. I have been in this house for almost 50 years. My late husband and I created so many memories here along with the XXXX children that we raised. 

I signed the documents for the loan modification agreement on XX/XX/XXXX. I was given the maturity date of XX/XX/XXXX. Five years. Five years seemed like a long time. Of course, Id be in a better situation than I was currently in financially. Or so I thought. So much has transpired in the past 5 years including a global pandemic. So here we are on the brink of the maturity date of XX/XX/XXXX. 

I tried looking into the option of refinancing in XXXX of this year, but I was denied due to my income. So, I submitted a Request for Mortgage Assistance application to the same servicing company that had modified my home back in XXXX. After finally getting all the information to them that they required, it was XX/XX/XXXX. On XX/XX/XXXX, I received notification that I was denied re-modification due to Net Present Value ( NPV ). So here I am, facing the three options mentioned earlier. 

Desperately searching for solutions other than selling or foreclosure ( because I would love to stay in my home ), I was informed by a reliable source that, typically, loan modifications are for the life of the loan. When I signed the loan modification in XXXX for a 5-year term, I did not fully understand that I could have had a modification for the life of the loan. I feel that I was not completely informed of all my options when signing the agreement.
Product: Vehicle loan or lease

I was working a friend who has knowledge repairing credit. Unfortunately his house was burglarized and much of his information was compromised. I believe this fraudulent loan happen due to this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX : {$960.00} XXXX XXXX XXXX  XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021
Product: Student loan

I have federal student loans that are serviced by MOHELA. For these loans, interest accrues daily. 

On XX/XX/XXXX, MOHELA began transferring all of the student loans it services to a new servicing system, a process that it expects to take 30 days. 

On XX/XX/XXXX, I attempted to make payments to my student loans, but during the month that the transfer to a new servicing system is taking place, MOHELA will not allow me to make any loan payments. Online payments and payments over the phone with a customer service representative are not available. While I am permitted to mail a check to MOHELA, I was informed by a MOHELA customer service representative that any checks would be held and would not be applied to my loans until the transfer of all loans to their new servicing system is complete. 

In other words, MOHELA will continue accruing daily interest on my student loans, but will not allow me to make any loan payments. 

This is a MOHELA problem -- no borrower should have to pay extra interest charges because MOHELA needs to fix/update its internal operations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2023 I paid off a mortgage ( through Cross Country Mortgage ) on a rental property I own in XXXX, Florida. I paid it off around the same time I was changing insurance companies from XXXX XXXX XXXX XXXX. As XXXX was aware that I still had a small mortgage at the time of the insurance switch, they sent notification to the Cross Country that they were the new insurer of the property. I paid the XXXX  up front ( {$2700.00} ) as is required when binding a new policy. Even though XXXX assured me they did not send Cross Country an invoice, but merely a notification of their taking over as insurer, Cross Country paid the XXXX...... again. By this point the mortgage was paid off, and I no longer owed on the property. When XXXX received the check from Cross Country, they saw that it was a duplicate payment and mailed it back to them. That was on or about XX/XX/2023. In a subsequent phone call to Cross Country, checking on the status of the return of these funds to me, I was assured by Cross County that I would receive a check from them within XXXX to 14 days. After about 21 days I still had not received the refund, so I called Cross County again to check on the status. This time they said that they would investigate as to where the refund was in the process. I have called them several times since, and each time I get a run-around as to why I have not yet received the refund. The last time, an agent named XXXX, blamed the situation on the fact that a lot of agents work from home, and that the check was probably at the office somewhere! Are you kidding me? 

So, here we are, over XXXX months since I paid off the mortgage on my property, and I still have not received my complete escrow from Cross Country. They still owe me {$2700.00}. I have to pay the taxes on this property ( due this month ), and their mishandling of this situation has caused me to be tight on funds to do so. 

I appreciate any assistance you can offer in getting this refund back to me. 

Thank you in advance, XXXX
Product: Credit reporting

An former address for a current employer was incorrectly attributed to me. The credit report refused to remove it. It has negatively impacted me as bills have been sent to that address and not to me, because I 've never received them they 've gone unpaid and entered collection status. The address in dispute is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. See pg XXXX of credit report
Product: Checking or savings account

On XX/XX/2020 XXXX XXXX XXXX XXXX merged to become Schools First. Customers were told to activate their debit cards on XX/XX/XXXX and that their old debit cards would no longer be usable. I have been trying to call the activation phone number and log on to the website, but both say that the services are not available. I, along with other customers, are being prevented from using our accounts or having access to our money. Because consumers can not contact the bank by phone or on line, there is no way for us to resolve the problem with Schools First.I am writing this complaint to document the unfair and possible fraudulent behavior on the part of Schools First.
Product: Mortgage

I applied for a loan modification. In response to CFPB Case number : XXXX, Bank of America representative XXXX XXXX requested that I submit a Form XXXX On XXXX XXXX, 2016, I submitted a Form XXXX to Bank of America and XXXX XXXX XXXX XXXX XXXX then requested that I submit a letter of explanation of monthly expenses. On XXXX XXXX, 2016, I submitted a letter of explanation of monthly expenses to Bank of America and XXXX XXXX. On XXXX XXXX, 2016, XXXX XXXX requested that I submit a letter of explanation of additional monthly expenses, a letter of explanation for business income, and a letter of explanation for retirement income. On XXXX XXXX, 2016, I submitted a letter of explanation of additional monthly expenses, a letter of explanation for business income, and a letter of explanation for IRA income to Bank of America and XXXX XXXX. On XXXX XXXX, 2016, I received a letter from Bank of America dated XXXX XXXX, 2016, asking for the same documents that I had previously submitted : a Form XXXX, a letter of explanation of monthly expenses, and a letter of explanation for retirement income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a car accident and car was paid off. Yet creditor is still reporting as derogatory. Reports are shown that account is derogatory. XXXX and XXXX are currently reporting derogatory account. This is currently incorrect and needs to be removed from credit report for job
Product: Checking or savings account

I deposited a check from a company that I’ve worked before for the same amount in my Bank of America account. I did not have the option to not deposit due to a possible and it was received and placed on hold for seven business and that was all the money I had to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax added a balance of {$2300.00} for a settled XXXX account to my report, then removed it after I called in to dispute the item, and readied the incorrect account and total back to my credit report. This has dropped my score from XXXX to XXXX. My other bureau scores are XXXX and XXXX for XXXX  and XXXX  respectively. This mistake is stopping me from pursuing an FHA loan as I have already told them.
Product: Credit card or prepaid card

In XX/XX/2022, I made a purchase and was asked if I wanted to upgrade my card to a MasterCard. They actually canceled my current account and opened a new one. When I made the payment in XXXX ( {$290.00} ), it went to the old account. In XXXX, I got a call my bill was not paid. I found out I paid the old account and they would not transfer the money. I was told I would receive a check for the overpaid balance and was asked to repay the same amount to the new account. I did that. I have called month after month and talked with reps and supervisors and still, not check despite promises. 1st check went to the wrong address in XXXX. Since then, no check has been received and they offer no explanation or solution.
Product: Debt collection

After carefully reviewing my credit file I am concerned with some items you are reporting. Account name : XXXX  XXXX XXXX or XXXX. Account number : XXXX. I am aware that section 609 of the FCRA requires that you have a contract with my signature. Please forward me all documents on this account or remove it from my credit report. Also send me a credit report reflecting these changes. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Today date : XX/XX/2022 I asked this company to remove addresses and new a.k.a names popped up as well after I disputed the inaccurate information. I'm extremely frustrated and would like appropriate action to be taken immediately!!! I'm not trying to be frivolous about my disputes. I just want my credit report to be corrected!! 

Thank you for your time, Sincerely
Product: Credit card or prepaid card

Stayed at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX from XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX a transaction to my credit card for the full amount was processed. As of XX/XX/XXXX there are still two pending transactions on my Citibank credit card for XX/XX/XXXX {$160.00} and XX/XX/XXXX {$65.00}. Contacted Citibank and XXXX and both companies point fingers at each other that is the responsibility of the other to remove the pending transactions. It is affecting the amount available on my credit card limit to be used and I have had transactions refused because of this. 

Spoke with XXXX in Accounting at XXXX and XXXX and XXXX at Citibank on XX/XX/XXXX starting at XXXX XXXX  EST.
Product: Credit card or prepaid card

On XX/XX/2023 I initiated a balance transfer from a Truist Credi Card to a XXXX XXXX  Credit card through XXXX XXXX XXXX mobile site. On Truist 's website, I was not informed that balance transfers could take up to 30 days and that I would be responsible for the interest during that time. I had made a balance transfer before and never had that issue. This time the balance transfer showed up in my XXXX XXXX account on XX/XX/XXXX but has to date as of XX/XX/XXXX the transfer is still not reflected on my Truist account and I am being charged interest on an amount that I thought had already been transferred. In this 30-day transfer period ( that I was not informed of ) I am being charged interest by two different banks for the same money. How can it take 30 days on one side to process a transfer but it goes through right away on the other side? How is it legal that through this process I have two accounts showing the same balance and being charged interest on both accounts?

Presumably, this would also impact my credit as I am showing double the amount of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pa ss the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FORA - they are required to  " ... promptly delete all information which can not be varified. '' That I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

financial ruin by tricking into unaffordable, high-interest auto loans while cutting backroom deals with dealers to increase their own profits! Scam into a fraud Contract. 
Also I went to the dealership an The Rep I spoke with I had To file a complaint After emailing to come into the office for high interest Rate on my contract an when I got there they couldn't help me due to A lot of people are in my situation.
Product: Credit card

XXXX XXXX  shows an " Annual Fee {$95.00} '' What it does not disclose is that this fee is placed on your card upfront!
Product: Credit card or prepaid card

On or about XX/XX/2022 I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. 
On or about XX/XX/2022, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. 
On or about XX/XX/2022, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem.
Product: Mortgage

My timely mortgage payments have not been credited since XX/XX/2021. I have paid these on time and gotten confirmations, then learned the next month that Bank of America did not record them. This has happened repeatedly and each time I have submitted proof ( cancelled checks, confirmation for electronic payments, etc. ) and spoken at length to customer service representatives. Once the payment was credited to my credit card. I have challenged the adverse credit reporting through those bureaus : Bank of America simply denies it despite the evidence. 

After a flurry of odd activity on my account last month, I called Bank of America again to inquire what was going on. Its representative insisted there was no late payment reported. Today my credit report shows they reported my XXXX and XX/XX/2021 payments as late. I have confirmation from my bank that these were submitted on time. 

I believe this is happening because I told Bank of America I need to refinance my home ( I'm paying nearly 6.5 % interest ) This is how they are preventing that, because my credit union will not refinance when I have allegedly missed mortgage payments. I have been a long-time customer, have always paid my mortgage on time, and have spent DOZENS of hours on the phone trying to make this stop - but nothing I do makes any difference. My equity is significant and- but for these false reports - my credit is good. 

I don't know what else to do. This has gone on nonstop since XXXX, no matter what I do. They have my money and at the moment show I am current, but that has regularly changed without warning and I am back to calling, writing, challenging the credit reporting- with solid proof that indeed they got my mortgage payments on time.
Product: Credit reporting or other personal consumer reports

This is a follow-up complaint from a scam issue that started with a phone call on XX/XX/24. I did not answer, and the female left a voicemail message regarding fraud on my Bank of America account with a reference number and call back number. A letter was received as well regarding the need for additional information to complete a " credit application ' with the same date and reference number as in the voicemail message. Again, I did not respond as I knew it was fraud. I have credit score services with XXXX XXXX in addition to other accounts and they allowed " Bank of America '' to run a hard inquiry on my credit report and without my consent or knowledge also on XX/XX/24. Since my initial and previous complaints here with XXXX XXXX and Bank of America no one wants to accept any fault. I received another letter from " Bank of America '' on XX/XX/24 to please call them so they can help with " my credit card request and they need additional information ''. My credit report inquiry was done by a Bank of America in XXXX XXXX XXXX. This needs to be resolved and I can't call because my calls are probably being rerouted to the scammers. These people have my phone number, name, address and email and they must have part of my SS # as they did a hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

I've noticed errors on my credit report regarding 15 USC 16c-2. The listed inquiries were not authorized by me and are negatively impacting my credit. Please remove all unauthorized hard inquiries. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$920.00}, XXXX, XXXX  XXXX Balance : {$120.00}, XXXX XXXX XXXX  XXXX Balance : {$18000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$880.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Hi So this is about the US based company XXXX. I have been a XXXX customer for years and I never faced any issue with them as I work with all possible honesty. I hardly face disputes as I never take money for something l dont deserve and my clients are happy with me. 

One fine day XXXX says you no longer can use paypal and we are closing your account permanently. Money is stuck in there too. It is a pandemic time and even the slightest amount makes a difference to us. 

Money is not the problem. The problem is firsr paypal made us dependent on them and now when we have no other medium of receiving payments they have closed the account. 

The company acts like a bully as it is not ready or available to explain the reason of shutting down. There is no reason to shut it down as I have been using it with all honesty and all my customers love my work. 

I have always believed that honesty never ever put us down and honestly is rewarded across borders. My XXXX knows that I have been honest in my work and every XXXX I have earned denotes my hardwork and paypal has to understand this and not shut down on us like this. 

You have to check how they are behaving with the customers as there is no way to contact them at all. 

If there is XXXX in real and I have done good deeds in life then justice will prevail. 

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

Need help getting this documents to XXXX, Equfax and XXXX for my dispute.
Product: Credit reporting or other personal consumer reports

I reached out to Experian, XXXX, and XXXX regarding inaccurate negative reports on my credit report. I specifically requested Experian to reinvestigate these claims, as I believe I was wrongfully accused. Despite my efforts and having the necessary paperwork to support my case, the issue was not reinvestigated. I want to resolve this matter amicably and without resorting to legal action, as I believe a fair review will clarify the inaccuracies on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, of this year I sent in a letters to XXXX, transunion and XXXX about incorrect items on my credit report. Due to these incorrect items on my credit report. I have been unable to obtain credit or get a new job. This incorrect information reporting has harm my life and credit. It has been 30 days without a response from the bureaus. According to the law their suppose to reply within 30 days which they have not.