23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My financial hardship began when my husband which I am now separated from abandoned me on XXXX XXXX, 2015. My soon to be ex-husband relinquished all rights to the property which we resided by quit claiming his interest over to me. My husband no longer supports or assist me in any way financially. I obtained the assistance of a housing counselor in order to help me submit a modification request to my Servicer Penny Mac in order to assist me with getting the loan modified to an affordable monthly payment along with getting the account current into my name only. I submitted the modification request with the assistance of my housing counselor XXXX XXXX, 2015. I was approved for trial modification on XXXX XXXX, 2015. I was approved for the Final Modification on XXXX XXXX, 2015 after I successfully completed the trial modification payments. But, the modification papers included me having my separated husband sign the modification documents. The modification request clearly states that I was applying for the modification to have my separated husband removed from the loan along with obtaining an affordable monthly payment which I could afford to pay with my income only. The servicer requested the quit claim deed to show proof that my husband had released his rights to the property. I provided the quit claim deed to the servicer on XXXX XXXX, 2015. Presently, the servicer underwriter removed my Final Modification Approval because my separated husband would n't sign the modification agreement. The Underwriter stated on my denial that I notified the servicer to state that I did n't accept the offer which is a lie. I completed my modification trial plan based upon the fact that the loan would be modified into my name only. He was never suppose to be on the modified loan. The modification was submitted in my name only.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included screenshot inside this complaint in on dates of XX/XX/2024.Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

In XXXX when my credit report was run by a mortgage lender on XXXX XXXX, XXXX I was advised that an entity " Jefferson Capital System LLC '' had an account with an open date of XXXX/XXXX/XXXX. This was a debt that was purchase from XXXX that was in dispute in XXXX XXXX. 

I did not receive a letter in the mail until XXXX XXXX, XXXX ; dated XXXX XXXX, XXXX. 

This company not only falsified an account open and closed dated, but also did not notify me by mail, and pushed the first reported delinquency date of the account to XXXX XXXX. 

Please could I get some help with this matter?
Product: Mortgage

I have a loan with flag star they will not pay my taxes. I have called several times with no answer to questions.
Product: Consumer Loan

I recently tried to sell my car at XXXX in XXXX. The car loan has been paid off for several months, maybe even a year ( I ca n't remember the exact date when I paid it off ). The car was originally purchased in XXXX & the title is from XXXX. The car is currently registered in XXXX & when XXXX looked it up in the dmv system they said it still shows that the car is owned by Nissan and that they needed a notarized letter from Nissan stating that the car was paid off. When I contacted XXXX finance and asked for a notarized letter they stated that they do n't handle lien releases and that I would have to file the request through XXXX. I did exactly as I was told and after paying {$45.00} for an expedited request, I received the lien release almost 2 weeks later. The actual document is not notarized and therefore not accepted by XXXX. It looks like something I could have produced on my home computer. During my 2 week wait for this lien release I contacted Nissan again because the request was taking too long. They said they would send me a letter but it would not be notarized. At this point I am running out of options. I ca n't sell the car because Nissan is n't willing to provide a notarized letter. The car legally belongs to me, after all it 's been paid off for a while. I do n't know what else to do but this is costing me too much time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to XXXX XXXX XXXX and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by XXXX XXXX XXXX because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once XXXX XXXX XXXX was contacted. 

Payment application errors : XXXX XXXX XXXX rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? XXXX XXXX XXXX should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
XXXX XXXX XXXX did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : XXXX XXXX XXXX XXXX #. 
XXXX XXXX XXXX credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
XXXX XXXX XXXX should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.
Product: Debt collection

XXXX XXXX put this on my collection and this isn't even mine. 
It's my XXXX XXXX XXXX from XXXX  years ago. I've been with my cell phone service I have now for XXXX  years now and it's not XXXX. 
I want this removed please. 
They can't legally do this.
Product: Checking or savings account

A fraudulent demand draft was authorized without my permission or knowledge and withdrawn from my Key Bank account on XX/XX/XXXX. I noticed and reported this fraud to the bank within the week. On XX/XX/XXXX I filed a police report and supplied this information to the bank. 

To this point, XX/XX/XXXX, I have received no further communication from the bank and the funds have not been returned to me, despite over three weeks having elapsed from the point when I supplied the requested police report. I have tried calling the fraud hotline to get an update on where my case stands but have not been able to outwait the hold time to speak to a person.
Product: Vehicle loan or lease

In XXXX of 2024, I refinanced my auto loan with Ally Financial ( " Ally '' ) through my local bank ( XXXX XXXX ) for a lower interest rate. I received an email on XX/XX/year> from Ally congratulating me for paying off my loan and stating that my title/lien shoulXXXX XXXX XXXXeleased on XX/XX/year>. Then on XX/XX/year> I received an email from Ally stating that they had mailed me my lien release letter, and that I should receive the letter in 10 business days. However, instead if a lien release letter, I received a pay-off letter. When I called Ally to inquire about the lien release letter, I was told that my bank had to request the lien release letter since they were the ones who paid off the loan. So I called my bank 's loan officer and told her what Ally told me, and she then went on to place multiple requests over the course of several months for the lien release letter. However, neither XXXX XXXX XXXX headquarters nor the local branch had ever received the lien release letter, despite being told repeatedly that the letter had been mailed and/or faxed. I eventually got involved again in XXXX. Since then, I have called numerous times about this issue and have placed multiple requests for the lien release letter. Each time I was promised I would receive the letter by fax and mail, but I would either not receive the letter or I would receive the payoff letter. Again, the Secretary of State will not switch the lien holder on my title without the lien release letter. They will not accept the payoff letter. Please help me resolve this issue.
Product: Credit card

I got a junk email from destiny master card and I dont need a credit card and the email said XXXX XXXX invited and I got a screenshot of the email and I dont know how they got my email address and the words in the email is from another languages
Product: Debt collection

I just got collections on my account for {$4000.00} from Check n go. The debt collector is XXXX XXXX XXXX My report says is was opened on XX/XX/XXXXXXXX  They tried to contact me once and said this was a collection from XXXX and I told them that I never got a loan and that, that information was false. I dont have any paperwork from them.
Product: Debt collection

I chose continued attempts though no attempts to contact me have recently been made. But this seemed the most fitting for my situation. I have recently been monitoring my credit on XXXX and I see this debt on my report. I was contacted about damages to the apartment I stayed in after I moved out from the manager. I made a payment and to my knowledge I paid the amount due from verbal conversation through the supervisor at the time, XXXX. So, I recall paying the full amount that was due. I believe it was paid online.
Product: Money transfer, virtual currency, or money service

my name is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX. I was using PayPall XXXX as my POS and credit card processing since XX/XX/XXXX. Every couple of months I would receive an email that my account is being limited until I send them requested information, which I always obliged with. On XX/XX/XXXX I received a message via PayPal app that I need to supply PayPal with more information, at this point I was able to process credit cards for customers at the Pharmacy however not been able to access those funds from the app. I complied with the request and received massages that PayPal will review information and respond within 5 days, at which time PayPal then requested more information until XX/XX/XXXX when I received an email stating that my account has been deactivated. My account had a balance of {$10000.00} and PayPal will not allow me to access my funds for 180 days. I called XX/XX/XXXX and asked to why?. I was told that PayPal customer service doesn't know why, because PayPal 's back office deactivated my account and PayPal customer service has no contact with PayPal back office.
Product: Credit card or prepaid card

I had an XXXX  account cc from Comenity Bank. I had paid that monthly bill in multiple payments. Always on time and even extra. The due date was on the XXXX. On XX/XX/XXXX, the store site was down to pay. But eventually it worked. Ib this day I also made the full amount payment. Over 300 dollars to finish it off. Then, a month later I get a bill for XXXX dollars 2 late charges. Even if they want to accuse me of being late once, that's XXXX, but i got charged another late fee for a late fee? And the whole bill is paid off. This bank is despicable. I closed that cc after this. 

They have We Help During this Pandemic all over the place. Unbelievable to rip off customers like this. My credit is good.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 XXXX central- Submitted a wire transfer in the amount of {$5500.00} from my XXXX XXXX XXXXXXXX account, to my XXXX and XXXX 's Wells Fargo account to purchase a motorcycle from them. Immediate posting showed money left my savings account. 

XXXX Money was not deposited in the recipients account. XXXX called their bank ( Wells Fargo ) and they told him to give it another day to post. 

XXXX Still no money in XXXX and XXXX 's Wells Fargo account. They called Wells Fargo again, and they advised him to have me call my bank. Called my bank ( XXXX ) and they said they couldn't help me because the person at my local branch who sent the wire transfer for me was not working that day and only his log-in could look into the wire transfer. 

XX/XX/2024 XXXX central- Called my bank again ( XXXX ) and spoke to the guy who sent my wire. He said he had an email that he missed from the wire department asking him if this wire was business related. He said at that moment he emailed back that it was not business related as he remembered I was purchasing a motorcycle from my aunt and uncle. Then said the money should go through later that day, or at midnight and be available in the morning. 

XXXX Still no money in my aunt and uncles account. XXXX XXXX  called my bank again and spoke to the manager- male. We double checked all account numbers on recipients end are accurate on the write transfer- confirmed. He called the wire department and told me everything was complete on our end and Wells Fargo has the money. Nothing he can do. We decided to give it one more day. 

XXXX One full week after sending the wire transfer, still no money deposited in my aunt and uncles account. Between my aunt and myself, we placed no less than a dozen calls to Wells Fargo and XXXXXXXX XXXX No one could tell us why the money wasn't in the account. One Wells Fargo service rep contacted the wire department and confirmed that Wells Fargo does indeed have the money, but that it was not released to my aunt and uncles account. Could not help us further or provide any other details besides to transfer us to another specialist department that deals with wire transfers. Wire team got on the phone and said they could not help us because it was a 3-way conference call between my aunt and myself ( a third party as they put it ), and because I was not a Wells Fargo customer they would not help. She would need to call them back just by herself. She said she would not do that as it's my money that I transferred to them and as her nephew and as the money sender, I have a right to know why they don't have it yet or why it's being held. Even after answering all of their verification questions allowing them to know they are talking to my aunt, they would give no further information on the wire status. 

Someone, somewhere at Wells Fargo needs to let us know why {$5500.00} is being held by them and is not being released to the recipient bank account ( my aunt and uncle ). 

Please help us land a solution to this issue
Product: Debt collection

On XXXX I got letter from Morgan XXXX  pc the debt collection lawyer group saying they are collecting money for XXXX XXXX XXXX XXXX, XXXX but sent the account statement that has XXXXXXXX XXXX XXXX XXXX For {$5800.00}. I replied I do not owe money to XXXX XXXX XXXX XXXX XXXX and I dont even know that company. Morgan XXXX pc sued me on XXXX XXXX XXXX. I went through 3 hearings asking judges prove the evidence by contract of assignment assignor to assignee judge said its out of her power to ask such evidence to opposing counsel. Finally without even other evidence I requested judge ignored it. And gave other party summary judgment. I am requesting FTC to sue the debt collector or company due to not using own name which are the rule of FDCPA statue 15 USC 1692 803 ( 6 ). I asked who is the Real party in Interest in Hearing also affiant on Affidavit her prove of employment but judge overruled me which is violation of Due process 14 th amendment in our Constitution. Small courts judge dont care taking side on debt buyers favoring them. I spent well over {$700.00} dollars or more on this hearings getting transcripts court fees alone not counting money I spent on consultation from friends. Not counting ours and ours of writing answers to file at the court and missing work. The things I mentioned above for evidence was all in the state courts statue yet judge ignored it thats fraud upon the court by the court.Morgan XXXX pc sued me on XXXX.
Product: Mortgage

It is in regards to a loan modification that We did n't request, but were offered by Citimortgage in XXXX of XXXX. The loan modification marketing material they provided us indicated that we 're " already approved '' ... .just sign and return before XXXX XXXX, XXXX. So, we did. Finally after 6 months, we received the " finalized '' Citigroup-signed documents on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we received what appeared to be the blank, unsigned loan modification documents yet again. After two full years of making our mortgage payments on time/ahead of time, and according to the terms of the modification, and as shown on my monthly statements, they decided to do a review of the loan modification paperwork. XXXX. The following new statement appeared in the 'My Representations ' section : " I am experiencing a financial hardship, and as a result ( i ) I am in default of the loan document or my default is imminent and ( XXXX ) I do not have sufficient income or access to sufficient liquid assets to make the monthly mortgage payments now or in the near future. 
XXXX. A XXXX new statement appeared in the 'My Representations ' Section : " If the lender requires me to obtain credit counseling in connection with the modification program, I will do so. " We have never been and never will be in default or imminently in default of this or any other mortgage. We do not need credit counseling ; our credit scores are in the XXXX for all XXXX credit reporting agencies. We have no personal debt. We strongly suggest someone look into Citimortage 's business practices, because at best they are completely incompetent, and at worst they are committing acts of fraud against many unsuspecting homeowners as well as the taxpayers via misappropriation of HAMP loan modification incentive payments from the federal government.
Product: Credit card

Im currently a chase customer and I have an auto loan and bank account with chase. I applied for a credit card and received an adverse notice so I contacted the reconsideration line to rectify this issue as I believe your system made this error in issuing this denial. There reconsideration lined discriminated against me and ignored all federals. Theres quite a few law violations with this denial so hopefully you can correct this matter for me. I was asked for my social security # number and according to 42 US Code 408 asking my for social on any credit transaction is a crime. I extended my credit providing my social security number to fund this transaction via code 15 USC 1602. According to 15 USC 1411 & 15 USC 1611, I have right to my unlimited credit and any withholding to my securities is securities fraud which violates the equal opportunity act and the consumer protection act. So I kindly ask, please reverse this denial so I can drop this matter abruptly without having to send this into arbitration because this is a consumer transaction and I have unlimited credit and I have right to my credit at any time. This is " unauthorized use '' of my social security under 15 U.S. Code 1602 ( p ), means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I have not received any benefit from this transaction therefore this is securities fraud.
Product: Debt collection

I have outstanding bill with  XXXX   XXXX  in  XXXX . The bill started at  XXXX  I have been making payments to the account. The hospital has received several notices from my insurance company asking them to fix documentation and send new documents. The hospital used the incorrect coding. I have tried myself and keep getting the run around. My insurance company is  XXXX . Hospital sent me to collection without any notice for a bill that I have been making small payments on. I have called medical records and you can only leave a message. I have gone down to the office and they always seem to be away and you can not speak to anyone. This is no the first time I have had a billing issue with this hospital.
Product: Debt collection

Crown Assets Management, LLC, has been trying to collect on a debt that has been discharged. I have requested such as how much did they purchase the debt for? a copy of the original application? Purchase agreement. Copies of all receipts. If the information was not sent to me, I ask that they cease and desist. All of my request were certified mail, XX/XX/2023, and XX/XX/2023. I did not receive a response from them. XX/XX/2023, informing me they were hired to represent XXXX XXXX XXXX XXXX account, now owned by Crown Asset Management , LLC, for a past due bal. of XXXX. We are mindful of the tough economic times that many people have realized in recent years On XX/XX/2023, I received an e-mail from XXXX, XXXX, XXXX XXXX XXXX, XXXX, giving me OPTION XXXX : A discount one-time payment for full and final settlement of the account. XXXX. Option XXXX : Payment plan an affordable monthly payment. Any and all information I have requested has been ignored.
Product: Mortgage

We received solicitation from our mortgage lender Impac to contact them regarding extending our loan modification We called were sent an application and submitted all requested documents. We then received a letter stating that the Loan Modification had been approved on XXXX XXXX, 2015. We signed the letter agreeing to the terms and were told the documents would be delivered within 1-3 weeks. We called Impac and emailed several times as documents were never received. We were told that there was a back log at the servicer XXXX and to wait. We were then called and advised that XXXX was caught up and wait. Then we were told that in order to get the documents we had to apply on the XXXX web site and to submit the approval with the documents and they would push the file through based on the approval. We did as instructed with XXXX who kept asking for the same documents over and over stalling the process and submitting the file under programs we never requested. We attempted to reach Impac several times with no return calls. Impac then stated that the approval was not an approval it was a proposal even though the document does not have that listed anywhere it clearly states " Approval '' Impac is doing a bait and switch here. Also XXXX then suggested we do a short sale which we have found is a clear violation of the Home loan Bill of Rights as a short sale can not be suggested after an loan approval has been granted. To date we have no loan documents for the approval of our loan modification. The approval will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Transunion thru the CFPB that I am a victim of identity theft, Transunion responded that Fraudulent accounts were verified as accurate. I would like to know if a account is FRAUDULENT how is able to be verified. I stated that I am a victim of identity theft and I had nothing to do with the following listed on the FTC report