23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been having difficulty with the transition to my new loan servicer, MOHELA from XXXX through XXXX. There were many processing errors and conflicting pieces of information coming in daily from the servicer, and each day, my account would reflect new and often incorrect information. 

On XX/XX/XXXX, I was in a mandated forbearance from the XXXX administration, and checked my online MOHELA account to see the details of when that would end. While there, I saw my account stated I would owe a monthly payment amount of {$600.00} on the XXXX plan, which was an incorrect calculation based on my income. The amount was due on XX/XX/XXXX, yet my forbearance was said to end XX/XX/XXXX. Why would be forced to pay during a forbearance? 

When I checked the next day on XX/XX/XXXX, the account showed I needed to pay {$600.00} by XX/XX/XXXX now. My forbearance status was gone, my monthly payment amount was incorrect and unaffordable to me, and I was told I would need to pay in XXXX calendar days. I called that day, requesting to have my monthly payments recalculated, and in the meantime, they said they would apply a general forbearance because I was unable to pay. 

On XX/XX/XXXX, my account reflected a correct SAVE amount, and I called MOHELA and asked them to remove my general forbearance, that I was ready to pay. I was told it would take at most XXXX business days to remove the general forbearance, which would be XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from MOHELA, stating my account had been placed in an administrative forbearance " for payments due between XX/XX/XXXX, through XX/XX/XXXX. You are not required to make a payment until XX/XX/XXXX and your account will not be considered delinquent. Be on the lookout for your next billing statement. '' I noticed that my account 's status did not change in the new year, so I called on XXXX asking why my online account still reflects a forbearance. Today, the MOHELA rep said I am not in an administrative forbearance, but still in the general forbearance, because it " takes XXXX business days to remove it. '' I asked to speak to a supervisor at that point, because they were again giving me different information than before. I was put on hold for about XXXX minutes, transferred to a recording, and then the system hung up. I do not have an answer as to why they said they would process the removal of the general forbearance in XXXX business days, then change it XXXX business days, and why it would take so long to process this, and why it was automatically overridden when I was put into an administrative forbearance. 

MOHELA has been unable to keep track of information accurately and has made so many errors my account so many times. I am hoping for a resolution. Thank you.
Product: Credit card

I have a person by the name XXXX XXXX opening cards, getting insurance etc under my personal address and last name. There are no know XXXX in the XXXX family
Product: Payday loan, title loan, personal loan, or advance loan

Someone used my information to get a loan in my name
Product: Checking or savings account

Good morning, back in XXXX I had a rental with XXXX, they had almost XXXX dollars on hold in my capital one account. When i returned their car in XXXX they released the money they had on hold back to my capital one capital one stated that they didnt see any money released into my account and closed my dispute when i provided my receipt of the amount that XXXX  was supposed to charge me, i called again and spoke to someone else and they re opened my dispute they asked me to contact XXXX  and ask for proof indicating that they released the money and when. I provided capital one with this information, days later capital one took the negative funds from my savings account without my consent or without warning me leaving both of my checking with negative balance and no funds in my savings. My {$2700.00} dollars got lost between XXXX and capital one plus capital one took {$1300.00} from my savings. Please help
Product: Mortgage

hello, this people, freedom mortgage are overcharging me {$410.00} for a lapse insurace they say, ive been living in my property for 12 years been thru 3 banks and never had do deal with this kind of harrasment, these people are crooks, ive talked to them, messaged them even spoke to suppervisors.nothing, they say they will fix this and call back, they dissappear they dont care, the worst customer service in my life. 
it all started around XX/XX/2020 they send a letter asking for insurance, i contacted my condo assoc asked for the information on the policy and and had them send it to them apparentlly they dont accept that insurance but the worst thing about this is that everything they do is by letters, no emails no calls, that way the customer is the one that gets affected, so it happenend that they sent a letter around XXXX, wich we were on a PANDEMIC, i wasnt checking my mail or couldnt, that they didnt accept this insurance, by the time i was able to see their letter and tried to shop for insurance i couldnt, we were on a PANDEMIC. 
until XXXX when i was able to shop for new insurace and get underwrittes which took 2 weeks i send it to them, by the time theyre charging me {$410.00} can you belive this???? 
this company are crooks, they dont care at all, i need you to contact them and have this issue fixed, they can not just overcharge you {$410.00} for nothing, not only that {$410.00} a month is {$4900.00}, what kind of insurance is that?????????????? i was able to get a whole year of coverage for {$700.00}, can you belive this??? 
anyways ive been messaging them calling them and they dont care, at all please help me fix this issue.tks FREEDOM MORTGAGE HAS TO BE STOPPED!!!! DO NOT USE THEIR SERVICES AND LET ALL POTENTIAL CUSTOMERS KNOW WHAT THEIR GETTING INTO!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous endeavor 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. Please delete this account ASAP.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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

This complaint against Wells Fargo is specific to recently received mail from Wells Fargo relevant to an account which should be closed. And to the fact regarding a phone call to Wells Fargo on XX/XX/2023.in regards to this. Yes my account balance should be {$8800.00}. However in my call to XXXX with the Executive office on XX/XX/2023, she stated that my account balance was only {$3500.00}. On XX/XX/2023 as validated on the record and on my paperwork from Wells Fargo, I requested to XXXX with the Executive Office to immediately close the account and mail a cashiers check to my home address. She confirmed this would be done. For some unknown reason if this account was not closed on XX/XX/2023 as instructed, confirmed, and on record, any transactions since XX/XX/2023 would be fraudulent and at the expense of Wells Fargo. As per recent account paperwork, it seems as if somehow this account remains open. But then again, NOTHING SUPRISES ME WITH WELLS FARGO!!
Product: Credit reporting

I applied for a job with a company called XXXX. I had to pay {$7.00} for my background check. Within days, I was denied employment because the consumer reporting agency they used claimed that my social security number could NOT be validated. In speaking with First Advantage, I was advised that because I have a security freeze on my credit reports, they could not validate my SSN. I find this very disturbing as there are other ways to verify someone 's SSN. Additionally, within the report myself and the employers was sent, it uses deceitful verbiage such as " Ineligible '' and " the SSN does NOT belong to the consumer in this report '' which is not only inaccurate, but is misleading and defaming to my character. First Advantage told me I would need to lift the freeze so they could re-process the background check. I was already DENIED employment because of their inaccurate information so would n't that information been more valuable to me had they told me PRIOR to completing the background check? Should n't it state that we pull this specific credit file and would need it to be clear of freezes? In fact, typically when there is a freeze, I am contacted by the company trying to pull my credit and asked for the security code to access the file prior to being DENIED or considered INELIGIBLE. This process is required under the FCRA when pulling a credit report that has a security freeze. Neither was done. Further, not all of my credit files have a freeze. How was I to know which XXXX they pulled? I am disgusted by their violations and the damage they have caused. When I reached out to XXXX they were of no assistance and put the issue back on First Advantage as if they were the decision makers for employment. I 've been labeled " ineligible '' for employment and I 've done nothing to deserve that. This entire process between XXXX and First Advantage should be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on repairing my credit score in order to be able to purchase a home. I have successfully paid off all my debts and all the collections accounts on my report. Instead of increasing just like the other credit bureaus, Equifax has dropped my score by 61 points altogether and no one is able to tell me why.
Product: Credit card or prepaid card

Hi, Since the COVID-19 issues, I've solved all financial issues with financial companies except American express credit card! 
They don't offer any differing payments. 
My bill shows the balance of '' {$19000.00} and due date is XX/XX/XXXX '' So on XX/XX/XXXX after a long time conversation to American express supervisor of Financial relief program names " XXXX with the employee # XXXX '' pushed me to enrolling auto pay from my checking account to lowering my interest percentage.
Product: Mortgage

I have an open loan with Freedom Mortgage, I have been trying to refinance my mortgage. When it came down to the final paperwork, after I had received a higher appraisal they upped my fees. I contacted them about this. They said they had been working on it a long time and they deserved those fees.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 Code 1681eb. 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 to be removed/updated. 
They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please have the following items removed from my Credit File as soon as possible. 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to have the disputed accounts and information removed from my Credit File, so please do so.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these BANKRUPTCY reports are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

See letter and report attached, Delete fraudulent account and fraudulent unauthorized inquiries
Product: Mortgage

Green-tree Service representative XXXX would not resolve or aid in simply getting information to change insurance and escrow information. She repeatedly would put me on hold and not transfer to supervisor when requested. I called in to change our information but she would not supply me with the information to complete my request, after being left on hold for 30 minute and then disconnected I called again and was put back through to " XXXX '' when I requested a supervisor she hung up. Called a XXXX time with the same result. Called a XXXX time and asked to NOT be transferred to XXXX, the rep was able to give me the information requested. XXXX is our " point of contact and has been abusive and repeatedly break 's agreements about contacting us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts are reporting on my credit reports that are incorrect XXXX/XXXX   XXXX**** XXXX XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$1400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately
Product: Mortgage

Rocket Mortgage used robocalls and auto dialers to target me ( 56 calls ) ; which is illegal in the state of Montana. I don't believe the banker was licensed in Montana. The mortgage they offered me was very high cost, double their own advertised cost for an appraisal. It is quoted at {$200.00} to {$400.00} on the website, up to {$600.00} for a multi-family home. I was charged {$800.00} for a two-bedroom house, and could not get a reason for this from anyone. When I refused to sign the appraisal review waiver, the loan was stalled for a week. The banker and his supervisor both repeatedly misrepresented the three-day rule, insisting I sign the waiver or my mortgage would be " held up ''. When actually, obviously they wanted to bushwhack me with the true LtV at closing and stick me with mortgage insurance. Although I estimated my house value at $ XXXX they used the figure $ XXXX, skewing all estimates and obviously the LtV, which I was not privy to since I wasn't allowed to see the appraisal until after I had withdrawn my application. They tried to charge me 2.625 in points although my credit score was in the high 770 's and the interest rate offered for the loan was 3.375 % at a time when the overnight was hovering around 3 %. Title fees were {$2100.00}. It was even worse, I mean it was atrocious. Absolute refusal to negotiate the terms. The banker XXXX XXXX filled out the application with false information and attached my electronic signature to it. It did not include all sources of income, it didn't include my dependents. It listed no bank accounts or brokerage accounts as if I had no money or resources at all. On the very first day we spoke ( call # 46 ) they required a {$500.00} " good faith '' deposit to move forward, which I would like returned to me since they clearly never intended to offer me a mortgage in " good faith ''. I've discussed this with the banker, his supervisor, ( XXXX? ) and her supervisor XXXX XXXX, both over the phone and in emails with no help. I hope I'll be able to get help here.
Product: Credit reporting or other personal consumer reports

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 Account Number : XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of the account associated with XXXX XXXX XXXX from my credit report. Despite multiple attempts to obtain proper debt validation through the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX  has consistently failed to provide the necessary documentation proving they own the debt in question. Instead, they have only responded with billing statements, which do not meet the legal requirements for debt validation. 

According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), debt collectors are required to provide adequate validation of a debt when requested. This validation must include proof of an assignment of contract or documentation demonstrating legal ownership of the debt. Billing statements alone are insufficient for debt validation, as they do not establish that the debt collector has the right to collect on the debt.

In addition, under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Since XXXX XXXX has failed to provide proper validation of this debt, the continued reporting of this account on my credit report violates these federal laws. 

For your reference, I have attached copies of the CFPB complaints I have filed and the responses from XXXX XXXX XXXX. These documents further demonstrate their failure to provide the required debt validation. 

I respectfully request that you investigate this matter and remove any and all references to XXXX XXXX XXXX from my credit report. Please confirm in writing once this account has been removed. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX