23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

**Complaint Details : ** **Background and Issue Description : ** I am filing this complaint against Movement Mortgage , LLC concerning the handling of the loan assumption process for my mortgage loan ( Loan No. XXXX ) on my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The process has been fraught with delays and mismanagement, causing me potential financial harm. 

**Timeline of Events : ** - The initial engagement with Movement Mortgage for the loan assumption process began in XXXX of XXXX. 
- Despite repeated inquiries and communications, including those facilitated by my legal representative XXXX XXXX XXXX, XXXX, there has been minimal progress and no definitive resolution as of XX/XX/. The dates of correspondence from my attorney to Movement Mortgage include : - XX/XX/XXXX  - XX/XX/XXXX  - XX/XX/XXXX  **Impact on Consumer : ** The inefficient handling of the loan assumption process is placing me in a precarious financial position. I am in the midst of purchasing a new home, contingent upon the successful assumption and sale of my property at XXXX XXXX. The ongoing delays are endangering this purchase, as I can not obtain any further extensions for the transaction. 

**Specific Issues : ** - **Lack of Clear Communication** : Movement Mortgage has failed to provide consistent and transparent updates on the status of the loan assumption process, causing uncertainty and stress. 

- **Risk of Financial Damage** : The delay in the loan assumption process threatens the sale of my current property, directly impacting my ability to purchase a new home. This situation puts me at risk of losing the new property, as the purchase is contingent on the sale of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

i am filing a complaint against transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. despite my submissions, transunion consistently responds quickly stating the account is accurate, without providing any evidence of a thorough investigation also They failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. They've accepted unreliable evidence and responses, also transunion has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as transunion inaction violates federal law and my rights as a consumer.this practice violates the fair credit reporting act ( fcra ) 15, usc 1681i, which mandates a reasonable investigation of disputes. furthermore transunion actions may contravene the consumer financial protection act 12 U.S.C 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the cfpb 's recent administrative proceedings against transunion and many of these reporting companies for similar violations. i request the cfpb take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation. ive attached the account information in the photos below for review.
Product: Credit reporting or other personal consumer reports

I have been in a deep XXXX since doing an investigation into my credit report. My findings of many, many errors and inaccuracies is incredibly never wracking to me, especially since the agencies have a responsibility to make sure that what they are reporting is accurate and true and in this case it is not. This information has effected my work life, I was so depressed I had to take time off, so I need this fixed and corrected quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Late payment was never late, Please remove. The above named account was reported late on XX/XX/2023. The amount reported late is in the amount of {$550.00}. This is incorrect information. 

Transunion 's Resolution : XXXX XXXX XXXX was UPDATED, My Complaint : I requested to have the late payments REMOVED. The credit reporting agency has not removed the late payments. 
By LAW 15 USC 1681a under the exclusions that a consumer 's transactions or experiences are not included in the consumer report. How are you reporting this item as late on your system when clearly the law states on the consumer report its not supposed to be there?

Late Payments reporting to my consumer credit report is illegal according to LAW.
Product: Credit reporting or other personal consumer reports

Delete all inaccurate addresses and names. 15 USC 1681b states by law this inaccurate information has to be removed. 

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 Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This relates to a previous complaint : XXXX. I have waited over 6 weeks and the funds have not been received by my new HSA provider. I have waited long enough. To make matters worst the HSA provider has started to fee the account again.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

My monthly bill is due on the XXXX of each month with a 10 day grace period. For the last 10 months I have received harassing phone calls that are placed within the 10 day grace period asking me to pay my bill. Last week on XX/XX/XXXX and XX/XX/XXXX I received two harassing calls from Kia Motors Finance Company. All the while the payment was made on the XXXX and received on the XXXX. I asked them to stop harassing me and told them I will file a complaint. In retaliation my credit score dropped 68 points. 
Prior to this situation Kia Motors during the fall of XXXX Finance Company took {$1400.00} out of my account that was not authorized and I had to have XXXX  XXXX XXXX return {$710.00} or so back to my account. This caused financial hardship for 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act accounts XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF ED/ XXXX, XXXX/DEPT OF ED, XXXXXXXX XXXXk, Hard inquiries XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.CC 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

I have some inquiries in my credit report that i didnt authorize I dont even know this companies.
Product: Credit reporting or other personal consumer reports

Loan was paid as agreed and company reported delinquent payment history.
Product: Credit reporting

I became the victim of identity theft and my credit scores were marked down by equifax XXXX and XXXX and my interest rates soared and I could get no more credit and fraud investigations were cut short and I was told I would not be informed of the outcome and I was being held accountable for the unauthorized activities of another person
Product: Bank account or service

We have been clients of Chase banking for over 20 years with no issues. As of XXXX XXXX, 2016, our account was compromised ( both checking and savings ) in which all of our money was removed from the accounts. We had realized that our account was compromised when we attempted to make a purchase and our account was denied. We received no alert from Chase that a questionable purchases from another state were made. We contacted Chase the moment that we found that our account was compromised and they had closed our account and told us that we needed to go to the nearest Chase bank to open a new checking account which it would take 48 hours to reimburse us. We opened the new account on XXXX XXXX, 2016 at the XXXX branch in which they claimed that the money would be placed into the new account. We explained that our paychecks are directly deposited into our checking accounts and they assured us that the paychecks would be wired from the old account into the new account. The money from our paycheck was deposited into the new account, but as of Friday, XXXX XXXX, 2016, our account once again had a zero balance. None of the money was taken out by us. We returned to the XXXX branch, spoke to the representative that opened our new checking account, and she told us that the money that was removed was from a computer error and would be back in our account by Monday or Tuesday. Today, XXXX XXXX, 2016, I had called the bank representative and she had told me that all of my accounts had been closed and that our money would not be reimbursed at all ( XXXX the money that was originally taken from the account, as well as our most recent direct deposit. She gave us a phone number to call, because she did not have further information for us. After calling the number, we spoke to a XXXX, who explained that the claim went through review and due to " multiple claims '', we are liable because our bank accounts were not secure enough. I had inquired about the " multiple claims '' in which he changed his wording and mentioned that it was only XXXX claim. He said that Chase no longer wishes to do business with us. This has been the first time that we had ever had a compromised account without my knowledge as to how the account was compromised. The transactions were made in Florida from what we were told and we had not been in Florida nor made any transaction with anyone in Florida. It was explained to us that since the money taken was less than {$5000.00}, our account would be reimbursed, which did not happen, nor did the reimbursement of our direct deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX showing on my credit report was filed in Bankruptcy court on XX/XX/2013, and discharged. They are reporting inaccurate information.
Product: Debt collection

Portfolio Recovery is attempting to collect a debt originally from XXXX XXXX that has been paid and settled in XX/XX/2018. I have contacted them and sent proof from the credit report showing the debt settled, but they havent taken any steps to correct their error. Im attaching the account showing its been settled and the active collection from Portfolio Recovery illegally trying to collect on a debt already paid.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or can not be verified. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00}, XXXX XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00}
Product: Payday loan, title loan, or personal loan

I discovered late night on XX/XX/XXXX the following notice within my PayPal account. 

" Credit servicing on PayPal.com will be unavailable from XX/XX/XXXX at XXXX XXXX ET to XX/XX/XXXX at XXXX XXXX ET due to site maintenance. We apologize for the inconvenience. '' Today XX/XX/XXXX I received a reply from PayPal Credit informing me that nothing is wrong with my PayPal account but at this time some system will not allow transactions through my PayPal personal credit account. Furthermore within the letter it goes on to state the following : " PayPal does reserve the right, as indicated in our User Agreement, to limit the funding source for any individual payment. This is listed under section 3.4 of our Payments Policy. We realize that this can be a frustrating experience, but the security and integrity of our system is important to our company and to our customers. '' However, PayPal 's statements and its systems actions has no integrity since as a whole I can not use my credit as needed nor for any purchases where applicable. It has been restricted and I have been forced to use other funding options at checkout. 

Again nothing is wrong with my PayPal credit account as of today and my available credit covers the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported information to a Perspective employer that was more then 10 years old.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. 

The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, thereby regaining control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX a company called XXXX sent me a letter collecting on a debt owed to XXXX XXXX  for the amount of {$8800.00}. 

To my understanding this acts as clear evidence that XXXX XXXX  sold this charged off account to a third party debt collection agency in XXXX. 

XX/XX/XXXX XXXX sent me a letter looking to settle on the debt owed for the amount of {$8800.00}. 

It is to my understanding this is an illegal practice of XXXX attempting to collect on a debt they have already sold off more than once. 

At this time as of XX/XX/XXXX, I am requesting that TransUnion, XXXX and XXXX permanently REMOVE this account with XXXX as it clear that XXXX XXXX  is illegally trying to collect on a debt that was already sold. 

I have attached the supporting documents reflecting the letters from both companies as well as the reporting of the account in question by each credit bureaus that reflects inaccurate reporting as well. 

Failure to remove this account will result in legal action being taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is unfit
Product: Credit card

I opened a XXXX Credit card back in XXXX of 2022 and bought one item on it. I have been making monthly payments in accordance to the agreement. They now want to charge me {$1.00} each month for a paper statement. That was not part of the agreement that I agreed to in 2022. I have not purchased anything on that account since it was opened and I don't know how they can all of a sudden change the terms. It seems this should be illegal.
Product: Student loan

I have been trying to repay an amount of {$10000.00} to AidVantage but they kept reversing my payment. 

The first time was XXXX and they could not find my bank information. 
I " updated '' my information and submitted a second payment on XXXX but apparently I used the wrong wire transfer account number on my side. 
The Third time XXXX I payed with a different wire account and felt like it would not work so I had to call my bank and have a three way conversation with a customer representative on the other line. AidVantage confirmed they received payment and the bank also agreed the payment of {$10000.00} was processed. I check my bank account and the money was taken almost within seconds. 

I recently checked my Aidvantage account and I have an amount of {$4600.00} with interest now.
Product: Checking or savings account

My complaint was closed without anybody contacting me to resolve the matter. Also the correspondence had nothing to do with my complaint. 

The closed complaint number is XXXX My original agreement with this bank was to have atm fees at non wellsfargo atms be reversed three times per Month. 

I dont live in an area where there is wellsfargo so this was a part of my agreement. 

I am being forced to pay these fees because I dont have the luxury to go to a wellsfargo atm near by. 

Also my complaint was closed with anyone having a conversation with me about it Also why send me a mediation form to resolve the matter if your response is going to be about what you did before, that has nothing to do with my complaint.
Product: Debt collection

Hello I disputed this to XXXXXXXX XXXX and XXXX  I havent heard anything back. This is not my account. I never had a XXXX XXXX XXXX account for {$3000.00}
Product: Checking or savings account

I had many problems with my checking account through Wells Fargo they were charging me fees that were not applicable and there was some charges on my card that I shouldn't have been responsible for but had to pay for anyway and it caused my account to bounce checks and I had banked with this Bank when it was while XXXX for many many years I never had the first problem with while XXXX but when the changeover happened I had several problems after that and also I had opened a savings account with XXXX for my son and I deposited {$100.00} into that account and when Wells Fargo bought XXXX out they had lost the paperwork to that account and told me I didn't have that account anymore because I had a fire and lost most of my paperwork and etc. However, I was going through some old paperwork of mine it was at my aunt 's house recently and I came across the account number to that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit company to remove XXXX XXXX XXXX XXXX NY XXXX off my credit file and XXXX XXXX XXXX  XXXX XXXX ny XXXX. Some companies have removed others have not. Only XXXX XXXX XXXX XXXX XXXX NY XXXX should be on file and no other addresses. Hope to fix this up if not fixed already thank you.
Product: Credit card

i have a citi custom cash card that i used to purchase skin care items from XXXX on XX/XX/year>. However, the merchant sent the item to the wrong address and they have never tried to refund me the money nor send me the item. Until today, XX/XX/year>, i still have not received the item. Therefore, i disputed the charges and Citi being Citi took almost more than 2 months to complete this " investigation. '' Here is link to tracking https : XXXX? XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX You can see, the item has never been delivered. The last status of the tracking was In Transit to Next Facility, Arriving Late United States XXXX on XX/XX/year> XXXX XXXX. Even though it is clear as day with proof submitted that XXXX never delivered the items i bought nor refunded my money. Citi as usual backs up this XXXX company fraudster. In addition, i also reached out to XXXX customer service to fix this issue and they said " as a special arrangement, we can process a refund through your Credi Card but please understand that the shipping fee of USD XXXX will be deducted since we have fulfilled our responsibility to ship out the order in the first place. '' Which they have never honored until XX/XX/year>. CFPB should investigate this issue and penalize companies like Citi that is actively committed to support scam companies like XXXX XXXX. 

I'm attaching the correspondence between me and XXXX and i'm also reporting both Citi and XXXX to Oklahoma State Attorney General
Product: Credit card

Purchased goods at Sam 's Club ( Walmart ) on XX/XX/2015 for {$100.00}. It was posted to the Sam 's Club Mastercard the same day. I returned goods totaling {$83.00} onXX/XX/2015. The credit has not posted as of XX/XX/2015. Given it is Friday it wo n't post until next week. The store Manager does not have access to the information but suggests it may take 1-2 weeks to post. By delaying the posting of the credit to my account and thousands, perhaps XXXX of customers, Walmart 's is enjoying XXXX of dollars in " UNDUE ENRICHMENT '' for using someone else 's money. This is unethical, if not illegal, behavior. Consumers are being victimized in several ways : ** Excessive interest charges caused by the delayed posting, most cards charge interest based average balances. Credits are not back dated to day of purchase. 
** Loss of available credit under the line ** Overstates customer 's account balances to credit reporting companies which may adversely impact their credit score