23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

my x wife was taking care of our finances and ran up credit cards in my name during our marriage. in which I did not know about. I ended up in court with law suits and wage garnishments. I ended up paying all off XX/XX/XXXX. the bank we banked at was one that held a credit card that I took to court to fight. I told the judge I did not sign anything and did not make the charges. sense I did not have an attorney due to they took all I had out of my account during court hearings and wage garnishments. I had no money to live on or for an attorney. I went for a week at a time with no food until I could sell things to get food. but I ended up still paiding off the credit cards as the court stated on time. I finally got the court to listen to me after several court hearings. the court awarded me a full refund plus damage charges for the bank to pay me. well I never have seen a penny of this settlement. but all stopped with anymore collection from the bank or credit card. now yesterday XX/XX/XXXX my work gets a call from someone stating they are a collection agency to collect the same depth from XX/XX/XXXX from the same bank and card. again they wanted my company to have me call them in the matter. I called this phone number and they told me I owed the money again on same mess as before. then they told me if I did not pay they would send some one to my work for me. I told them that is not legal and what they claimed I owe was settled in court in XX/XX/XXXX and to never call me or my company ever again. I got another call from them on my cell phone today XX/XX/XXXX with more threats. that if I did not settle with them then again they would confront me at my work. I tried to call them back again several more times with no answers. their phone number is XXXX after their way of messages and live calls I know they have to be a scammer. there is a whole lot more to tell but I will leave it for now with these people need to be stopped.
Product: Mortgage

I signed a contract to purchase a home on XX/XX/XXXX after being pre-approved for a mortgage by Cross Country Mortgage ( the company never sent me the pre-approval documents but my realtor told me I had been pre-approved. She was the one who recommended the lender XXXX XXXX ). 

There were multiple communication problems and I had to tell XXXX several times the amount of money that I had for down payment, that I didn't want any points on the mortgage, among other terms. XXXX told me that the Closing Disclosure had to be signed by XX/XX/XXXX in order to close on the XXXX. I had originally told him that I had {$65000.00} cash to close and if I needed more than that, I would need to change the amount borrowed to offset additional closing costs. He replied on XX/XX/XXXX that the cash to close would be {$67000.00} so I told him I could afford the additional XXXX but no more. The CD he sent me on the XXXX to sign had {$67000.00} as the cash to close. On XX/XX/XXXX, XXXX texts me that I need another month of child support payment since for a conventional loan requires 6 months of child support documentation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and had sent him the paperwork 6 days prior. I told him I only had XXXX XXXX XXXX XXXX  He didn't respond, but later texted " it's fine. '' Fast forward to the date of closing : XXXX texts me at XXXX that we are cleared to close. At XXXX, my realtor texts me XXXX minutes to the scheduled settlement time and tells me that there is a new CD dated XX/XX/XXXX with a total cash to close of {$72000.00}. I had no update from XXXX or anyone at his company. In researching the process, it appears that there is a law that requires the CD to be signed 3 days prior to settlement. Not only did he produce a new CD the morning of settlement ( that I didn't sign ) he never explained to me why the costs increased so much. My realtor later explained that the taxes had been paid by the seller and needed to be reimbursed, and also that the mortgage company had planned to pay off one of my credit cards and add that amount to closing costs ( I was not informed by XXXX of either of these costs at any point ). 

XXXX never contacted me about the discrepancy and my realtor told me several hours later on the XXXX that he could change the loan to an FHA loan. I work in a highly regulated field and am astonished that this one person ( XXXX ) can so easily cause me to lose a house, and thousands of dollars, because he is not doing his job. Due to personal reasons, I was unable to delay the closing and pursue a new loan and had to cancel the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my home in XXXX XXXX, Florida was damaged by Hurricane Irma and declared a FEMA disaster area. After over 1 year of recovery and {$160000.00} I think my house is repaired. FEMA did not offer any assistance as I had insurance and they referred me to the SBA which was quite helpful. Albeit a 3rd TD on my house at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

Ditech, my loan servicer, offered me a forbearance period pursuant to FNMA guidelines as being in a FEMA declared disaster area from XX/XX/XXXX to XX/XX/XXXX. I was granted a forbearance period for monthly payments until XX/XX/XXXX. 

After XX/XX/XXXX they want a lump sum payment of {$40000.00}. Not what they told me. 

It cost over {$160000.00} to repair my house. 

Ditech managed my repair escrow account during the process. 

They granted me and told me that at the end of the forbearance period my loan would be modified to include the foregone payments and it would be added to the principal balance and modified. 

They have now offered a loan mod. on a 20 year amortization increasing my monthly payment by {$2000.00}. That hurts. They offered counseling. Serious? 

They did not tell me the truth! When I call them they claim the call will be recorded. I have asked for the recorded audio records to prove what I was told. 

They told me the forbearance would not effect my credit. 

My FICO score has dropped from XXXX to XXXX and they report me as 180+ days delinquent. Not what I signed up for! I could not get a car loan with that FICO. 

XXXX XXXX has reduced my credit limit on my unsecured credit line from {$13000.00} to $ {$3000.00} as they ran my credit and they were not impressed. 

Ditech is not being fair. They respond but not satisfactory. 

All my bills are paid on time. You have my permission to run my credit report. 

This is not RIGHT! 

My credit to me is very important. I complied with everything they told me. 

This is not right! 

Not sure how or if I need to upload the supporting documentation. The last conversation I had with " XXXX '' at Ditech he told me I was delinquent 180+ days and it could not be changed. How can I be delinquent in forbearance? " XXXX '' said they can't fix my FICO. XXXX! 

I made payments at the end of forbearance in XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX. 

I want them to fix my credit report!!! 

I have done all I was told I needed to do. This is not fair. I did not make the Hurricane and complied with all I was told I needed to do to repair my house. What's the point of FEMA, SBA, and FNMA? It's not RIGHT! 

I want my FICO back to XXXX all I have all the back up documentation. Ditech has my correspondents also. Where do I go from here?
Product: Credit card

Citizens Bank did not close a credit card when requested, then continued to bill me for fees, and sent it to collections. They did the same with a checking account and XXXX  out the balance with fees instead of transferring the remaining balance to my other checking account as requested.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED HAR INQUIRY. XXXX XXXX XXXX
Product: Mortgage

XXXX i dispute the amount due of {$75000.00} XXXX in your mailing dated XX/XX/year> you do not identify what the monthly mortgage payment is XXXX i am requesting a pay off figure and XXXX i request an application for a loan modifiction
Product: Credit card or prepaid card

I received a letter in the mail from Citibank stating that I had applied for a credit card, which I did not. Further, I received an alert from XXXX that " CBNA '' had pulled my credit report, which I am assuming was due to the same fraud. This is obviously fraudulent and identity theft. I contacted XXXX and they require a report to remove the inquiry. I also contacted Citibank  and submitted the fraud.
Product: Mortgage

Loancare mishandled incoming payments and hence had a chronic issue with late posting and missing payments Loancare dropped the ball on responding to a payment inquiry. As a result of their mishandling mail and then not responding to an enquiry they never recorded the payment which was made by the consumer and conformed by the sending bank. 
Loancare did not acknowledge their inefficiencies and went ahead and just reported a late payment to the credit agencies. 
For no fault of the consumer and lack of proper accountability at Loancare the consumer credit was affected. 
Loancare has to be held accountable for their mistakes but instead since it does not affect them they keep on responding with excuses. 
Full detail on the case is attached which I request be read in detail. This evidence was sent to Loancare and they still responded stating that they did nothing wrong. They can not be allowed to be ignorant at the cost of a consumer. At this rate, the Mortgage company can do whatever they want and a consumer has no way to protect themselves. 

Please note that they will again respond that it is not their fault and that they have responded so. But they need to provide justification for all the points mentioned in the letter attached and can not just claim innocence and close the case. Else what is the point of the complaint if they can ignore the facts each time and just claim that they are not at fault?
Product: Credit card or prepaid card

Good afternoon, I was charged a late fee of {$27.00} on XXXX. As soon as I noticed this I began researching why the bank did not receive my payment. I sent the payment through my credit union 's online bill payment service. However, BBVA Compass was not set up with my credit union for electronic payments, so they mailed a check. I inadvertently typed the P.O. Box incorrectly in the bill payment service. So BBVA Compass never received my payment, though it was mailed well in advance. As a result, I requested a refund of the late fee from BBVA Compass and they refused. I have always paid this account on time. I paid the late payment and the next month 's payment yesterday. 

Thanks, XXXX XXXX
Product: Debt collection

Multiple calls every day even though I advised them that I am not going to provide personal information over the phone because I do not even know who they are. They keep trying to verify my address and date of birth. I get numerous calls back to back. All hours of the day, while I 'm working, on weekends, etc.
Product: Debt collection

I had been on a payment plan with XXXX  XXXX in XXXX, XXXX paying what I could on several ER visits XXXX XXXX, etc. My bank information was on file with permission to draft monthly. I lost my job due to my health condition in XXXX of XXXX and had increased medical bills without income and had to lower the amount I was paying XXXX  XXXX. In XXXX of XXXX I regained employment and began to address bills that were past due or payments were lower than the minimum. I couldnt keep up as I was still in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX the XXXX  XXXX XXXX went to Accredited Collection Service , INC . When a rep would call I would request what amount and services were provided? I was told to open my mail and the rep would review the address on file. I asked the minimum payment to begin paying the debt. I was told by Accredited Collection Service, INC. each time a rep called the same line. No payment would be accepted other than the total amount due or an attorney would be contacted and I would be responsible for those fees as well. I do not have access to {$1900.00} to pay the medical bill in full. I explained this each time. I also explained I could pay monthly {$100.00}. I was told I could not pay any partial amount other than the full amount due. At my home a sheriff delivered a summons indicating I am being sued by Accredited Collection Service , INC. on Saturday, XX/XX/XXXX. I have since received mail from local attorneys citing each has found the suit and offers their services. I dont think the practices of Accredited Collection Service, INC. are sound or ethical. If I would have been well I could have qualified for assistance with XXXX  XXXX. If any other debt collector I could pay payments. Coming up with $ XXXX or go to court is absurd.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Rental on behalf of XXXX AT XXXX XXXX. 
This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX Rental on behalf of XXXX  XXXX XXXX. 
This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX Unspecified. This inquiry is scheduled to XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX R
Product: Money transfer, virtual currency, or money service

My daughter, XXXX XXXX XXXX called PayPal to close her account on XX/XX/2022 on XXXX and we were told that there was a pending case that was preventing the close of her account. However, this same case, was disputed by XXXX XXXX and my daughter has already been refunded. However, Paypal refuse to close this case, although they sent me a letter stating that they can't dispute this transaction because it is being disputedwas disputed by another entity, XXXX card. My daughter attempted to close this case in Paypal to be able to close her PayPal account but was prevented from closing the case online, thus she requested the Paypal representative to close the case. The paypal representative stated she could not close the case and said she was going to forward our call to another representative that would close the case. However, Paypal hung up the call and never forwarded the call. I got the impression that Paypal simply does not want to close the account.
Product: Mortgage

The servicing rights to my mortgage were recently purchased by Mr. Cooper. So far, I have made two automatic monthly payments of {$2700.00} each by linking my checking account to personal checking account to my Mr. Cooper mortgage account. I have only authorized Mr. Cooper to make withdrawals on a particular day for my regular monthly mortgage payment. 

On Saturday, XX/XX/XXXX at XXXX XXXX, I was sent a generic email message from Mr. Cooper to inform me that their " vendor '' mistakenly processed unauthorized withdrawals from many different customer accounts. They promised it would be resolved quickly and that they would cover any overdraft fees, but this was still very concerning to me. I checked my checking account balance over the weekend and there was no withdrawal processed, so I assumed my account was not affected. However, today I checked my account and Mr. Cooper had processed FOUR SEPARATE WITHDRAWALS OF {$2700.00} EACH that were cleared by my bank yesterday XXXX Monday XXXX. While I also had transactions processed the same day to reverse all four withdrawals, I am incredibly angry that such large amounts of money were processed through my checking account without my consent and with very little information or notice from Mr. Cooper. 

How is it possible that internal controls at Mr. Cooper would allow such a huge mistake affecting many of their customer accounts? How did it not raise flags that for my account ( and many others like it, according to press accounts ) that multiple withdrawals were being processed on a single day, when the norm would be one such withdrawal per month for a mortgage that is payable monthly? I am flabbergasted that this wasn't caught beforehand, given how unusual this would be for the typical mortgage account. This could have been a major problem for me and other Mr. Cooper customers ( who, like myself, probably aren't Mr. Cooper customers by choice ), particularly given cash flow issues faced by many during the pandemic. I am requesting that this be investigated and that Mr. Cooper be held accountable for this issue. I am extremely disappointed in the " explanation '' that has been given by Mr. Cooper to date.
Product: Credit reporting

XX/XX/XXXX XXXX sent an invalid {$90.00} dollar debt to a collections agency named XXXX. This agency was reporting to XXXX. Since the debt was not mine I disputed it with XXXX. After the investigation the account was deleted. This was XXXX XXXX. 

Then in XXXX XXXX, XXXX decided to reinsert this invalid debt and send it to a new collections agency by the name of XXXX XXXX. Reported again to XXXX. I quickly disputed as soon as I noticed it and it was again promptly deleted. 

XX/XX/XXXX, XXXX XXXX reinserts this invalid debt and sends it to a collection agency named XXXX. This agency was reporting to XXXX as well as Equifax. I immediately disputed the account and again like every other time it was deleted by XXXX and Equifax. 

Now presently again for a FOURTH time XXXX has reinserted this invalid {$90.00} debt that I do not owe them. It is currently with a collections agency named XXXX XXXX, who is reporting to Equifax. I have not had a chance to check if they are reporting to XXXX. Of course I disputed with Equifax as soon as I saw the account pop up again. This time for some strange reason the account has been verified by Equifax and now I am at a complete loss for words and have no idea how to handle this. 

I am afraid that I might have somehow done something wrong this time that caused the debt to be verified by the credit bureau. This was the ONLY time out of all XXXX incidents that I picked up the phone and contacts XXXX as well as the collections Agency and told them everything exactly as typed above. I made those phone called the exact same day that I initiated the dispute with Equifax , because it was the agent at Equifax 's dispute department advice to do so. 

I greatly appreciate your help and efforts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent inquiries on my report please remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I tried using MoneyGram to transfer funds from my XXXX XXXX to my bank debit card. {$2500.00}. The transaction was canceled for some reason and they had already removed the money from my emerald card. They said 3-10 business days to get the refund. Its been all of 10 business days and have not gotten anything. I reached out to MoneyGram to find out what was going on. They told me it was refund that same day and to contact my bank. I contacted XXXX XXXX  and they told me that the transaction was pending and money gram was holding my money. I dont know what else to do. Nether place seems to know where my money went
Product: Checking or savings account

I am a customer of USAA. I keep getting email notices of another USAA customers bank transactions. USAA allows customers to add email address ( which can be used to change your password ) without validating the email address belongs to them. I have brought this to their attention twice but they admin that this is problem but then tell me there is nothing that they can do. Banks should have a minimum level of security in order to secure the accounts from ilegeal access and this does not meet the minimum requirements.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> Basis for Dispute Section XXXX ( XXXX U.S.C. XXXX ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section XXXX ( XXXX XXXX. XXXX ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section XXXX ( XXXX XXXX. XXXX ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three negative items on my experian credit report their XXXX XXXX XXXX XXXX account loan and rd accounts three negative accounts and XXXX XXXX  account I also filed complaint with the federal trade commission. Experian suppose to remove those negative accounts but their still on my experian credit report. To access my experian credit report my social security number is XXXX