23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This issue is in regards to effective loan servicing for a mortgage with Aimloan.com, the mortgage holder. I changed insurance carriers from XXXX to XXXX on the property in question, which is financed through Aimloan.com Inc ( American Internet Mortgage Inc. ). On the XXXX of XX/XX/2021, my insurance company, XXXX issued a refund for the cancelled policy and mailed it to Aimloan.com at XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, over 60 days ago from today 's date of XXXX XX/XX/2021. Aimloan.com has updated their information on the new insurance policy/carrier but has not paid them because they have not yet cashed the check. I verified with XXXX that the refund was sent on XXXX XX/XX/2021 and still remains uncashed. It appears that the business operations of Aimloan.com are so slow that it may result in insurance for my property being cancelled because Aimloan.com has failed to pay the insurance carrier the policy premium per the escrow clause of the mortgage agreement.
Product: Credit reporting or other personal consumer reports

Experian has failed 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. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting reliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has failed to correct or remove disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts as Experian 's inaction violates federal law and my rights a consumer.
Product: Debt collection

This is my second attempt to investigate this account with XXXX XXXX XXXX XXXX I do not have a account with this company and this company do not have my permission to insert this account on my credit file I asked for the original contract never did I receive on then. Equifax said they did verify this account with XXXX XXXX ACCOUNT NUMBER XXXX and I HAVE PROOF BELOW THAT LAST TIME IS WAS UPDATED WAS XX/XX/2023. PLEASE hold this company accountable.
Product: Checking or savings account

Fifth Third representative today told me it will take TWELVE DAYS to clear {$1000.00} of a {$6000.00} deposit I made using a check from my husband 's account at a local bank. 

According to the representative, " it's the computer, '' and this delay arises because I used the bank 's phone app to make the deposit. Nowhere in the verbiage for this app is there any language saying the bank will keep {$1000.00} of my money hostage at its sole discretion because I used a product it owns and sanctions. 

I had planned on using this money to pay off a credit card. Since I now can not access the full amount, I'll have to pay interest to a credit card company ( no ) thanks to Fifth Third 's failure, again, to provide adequate notice and service to its customers.
Product: Student loan

I have a certified email from Mohela Student Loans dated XX/XX/2023 that stated my loans were forgiven. In XXXXXXXX XXXX XXXX my wife and I started to receive emails that stated we would have to start making payments again. I have sent Mohela 5 emails and have called customer service over 20 times. I am extremely frustrated with the lack of care and concern with their service. I would deem this as cruel and unusual punishment. We have not been treated with dignity, honesty, or respect. I would call this inhumane. There is now research stating that this is done purposefully. I faithfully made payments for 10 years, and never missed a payment. ( I was threatened with language that I would lose my PSLF eligibility if I missed just one payment ). It is absolutely unprofessional to treat any human being in this manner. All phone calls are recorded with customer service representatives and I would love to listen to all the misinformation I was given. We have emailed ( XX/XX/2023 ) and documented my wifes 13 years of PSLF and have received zero communication about this. We have faithfully served and held our end of the bargain with our commitment. Why does Mohela get to keep playing head games with our livelihood? Mohela has made us feel terrible and insignificant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  {$1700.00} Closed OR : XXXX XXXX  XXXX XXXX  Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX  or XXXX XXXX  XXXX XXXX.
Product: Checking or savings account

On XX/XX/year> at XXXX pm I made a {$5000.00}. cash deposit at a Bank of America ATM machine ( ATM ID # XXXX ) at the XXXX XXXX XXXX  in XXXX, MD. The branch where the machine was located had a power surge, and as a result, the machine " ate '' the cash and issued a receipt saying " we are unable to process your request and can not return your items. '' I immediately went into the branch. Branch personnel said they are not able to assist in any way and that I needed to call the phone number on the ATM machine. I promptly did that. The customer service person said that they would open an " investigation '' and would issue me a temporary credit that would last XXXX hours. XX/XX/year> was a XXXX  afternoon, and this credit was supposed to last until the bank could resolve it on Monday. They did issue the temporary credit, however by XXXX  morning, about XXXX hours later, the credit vanished, as if it had never been given. I called that customer service number back and they told me that another credit would be issued for XXXX hours to allow enough time for the " investigation '' to be worked on, since we were on the weekend. The credit was issued on Saturday afternoon, but before the opening of business on XXXX, the credit again vanished. I say vanished because neither credit appeared on my on line banking. It was not as though the credit appeared, then was reversed, it just never appeared. On XXXX  I called again, spoke with several people, including a supervisor who told me that only XXXX temporary credit can be issued and nothing can be done until the investigation is concluded, and that can take up to 45 days. It took XXXX week before my account finally got credited the {$5000.00}. In the meantime, I had checks and reoccurring autopayments bounce and not be honored by the bank. This caused me great financial hardship, embarrassment, and difficulty. I told them that they just needed to have someone go to the ATM machine to see that the money was " stuck '' in the machine, or confirm the power surge with the bank branch staff, but they refused. I have been a customer of Bank of America, or banks that they purchased/merged with, for over 40 years. This is not the way to show appreciation for customer loyality.
Product: Checking or savings account

I recently had my PNC debit card stolen and misused. PNC took care of the problem and returned my stolen funds. I then transferred money out of the account. The bank made an error and supposedly returned more than they should have. Okay, so now theyre telling me I have an overdraft in the amount of {$4900.00}. I didnt write any bad checks or anything like that to get this overdraft. I simply transferred money from my account that they said was available. If it wasnt available to me, then thats PNCs mistake, not mine! I only went by what the bank told me was mine. I didnt think Id have to check their math! The money is out of my hands at this point. They need to own up to their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon taking a closer look at Consumer Reports I've realized that there are inaccuracies reporting that's damaging my credit worthiness and hindering my ability to be able to adequately provide for my familyXXXX XXXX XXXX XXXX account has been consolidated and been paid in full of a XXXX balance. However, it's also reporting that I have a 90-day late payment on multiple accounts with them which is inaccurate. I got the Loan in 2009 and has never made a late payment. My loans were also in forbearance the time frame that those inaccurate derogatory missed payment were furnished. I reached out to in reference to the matter and they mailed me a correspondence stating account was paid in full they have not record of payment history because the account was closed and paid off. I uploaded documents if you could please do what's fair and equitable to me as a consumer and reinvestigate, remove and or update the accounts in questions.
Product: Credit reporting or other personal consumer reports

XXXX Account Listed on My Consumer Reports with the following Errors : Payment Status : Collection/Chargeoff Date Opened Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Reported Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Active Can not Be XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX. 
Date of Last Payment Listed As XX/XX/XXXX AND XX/XX/XXXX Which Contradicts The Last Active Date. 
If this Alleged Debt is a Charge Off, the Statute of Limitations for Debt Collection in Illinois has passed. 
XXXX Legend is Blank. 
XXXX Legend is Blank. 
XXXX  Legend is Inconsistently Listed as Green OK. 
If this Alleged Debt is a Charge Off, I have not been provided my 1099 form to include this Charged Off Debt on my Federal Tax Returns. 
Thr Consumer Reporting Agencies are Listing Inconsistent Discrepancies that are Harmful to My Creditworthiness and Ability to Obtain Credit. My Consumer Rights are being violated by the Misrepresentation of My Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached I am disputing the following error on my report XXXX Section XXXX ID : Record XXXX XXXX All Wrong XXXXI am a female, not a male and my birthdate is XX/XX/XXXX n not XXXX. I was born female and still female. 
Record # XXXX Never lived in XXXX XXXX XXXX not my address- never lived in XXXX XXXX XXXX XXXX id theft- ( check zip and city dont even match ) Section XXXX All Inaccurate Records XXXX I havent had this phone? XXXX XXXX XXXX Never lived in XXXX or bountiful Section 4- I graduated in XXXX not XXXX Section 6- Records XXXX not my address- never lived in salt lake city XXXX id XXXX ( check zip and city dont even match. XXXX XXXX Never had a XXXX XXXX XXXX and I am a female not a male. XXXX XXXX I am not a male. XXXX XXXX Wrong Name and address Section XXXX Identity theft- this bankruptcy has a wrong address and names
Product: Credit card or prepaid card

I purchased a 'high-end ' technology bed from Mattress Firm in XXXX XXXX MN XXXX XX/XX/22. I was offered 60 month interest free financing through Synchrony Bank. The financing terms are not the issue. Synchrony Bank automatically signed me up to a 'Debt Cancellation Program ' that I was neither informed nor did I sign up for. I was notified by Synchrony Bank that I was enrolled in the program on XX/XX/22 via email. The program would pay off the remaining balance on my card in the event of death / disability etc. The interest rate was approximately 20 % of the unpaid balance. My complaint is that Synchrony is violating the law or at a minimum is engaged in unethical business practices by enrolling me in a program without my prior consent. I have since had two phone conversations with Synchrony Customer Service. In the first call, the service agent confirmed that I was enrolled. She graciously honored my request to cancel my Debt Cancellation Agreement. This occurred on XX/XX/22. I also asked for written correspondence confirming my request. It is now XX/XX/22 and yet to receive written verification. I then called by on XX/XX/22. The Customer Service Rep confirmed that my Agreement was cancelled -- then would follow-up to get me written confirmation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and I have found several inquiries that are fraudulently incorrect. I have reported an identity theft as of XX/XX/XXXX, Disputing accounts that are on my credit by several different companies all who are named in this complaint. I would like to file a complaint against these companies due to the fact that I have previously told them that this is an identity Theft. also the fact that they continue to sell this debt to debt collectors. As a result, my credit report has been severely impacted because they are the only items reporting negatively on my credit report. I have also filed a report with the FTC identity Theft website due to the fact that these bills are not caused by me! I checked my credit report in XXXX of XXXX and saw that these dates have been added to my report I would like these items removed once and for all from my credit report! 

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

I am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. 


XXXX XXXXXXXX account number XXXX Open date XXXX XXXX XXXX XXXX XXXX Open date XXXX
Product: Debt collection

In reference to complaint XXXX which includes the details of the account, XXXX XXXX XXXXXXXX violated the Fair Credit Reporting Act by continuously harassing me with debt collection calls after receiving a cease and desist letter and debt validation request, and did not provide *any* documentation within the 30 day period after receipt of the request. 
They broke federal law. Period. The CFPB is the entity responsible for upholding these laws. Period. 
Both XXXX and XXXX  have still failed to provide legal proof of ownership of my loan, and the XXXX XXXX even stated that the " documentation no longer exists. '' The CFPB SUED NCT FOR THIS VERY REASON. 
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-national-collegiate-student-loan-trusts-transworld-systems-illegal-student-loan-debt-collection-lawsuits/ There is legal precedent that the CFPB proved in court that XXXX  was unable to produce the documentation that they are legally required to have in order to legally collect on the loans. 
This is exactly what's going on here. I have been asking them to produce the documentation for 2 years. They keep sending me the original promissory note, from XXXX XXXX XXXX, which does not prove that XXXX  owns it. They have failed to prove anything. 
Again, XXXX broke federal law, and should be held accountable. 
XXXX is trying to fraudulently collect on a loan they do not own, until/unless they can legally prove otherwise, which is a REALLY SIMPLE REQUEST and should not take over 2 years to fulfill. 
I am not satisfied with their responses, I am not about to take XXXX breaking the law and harassing me sitting down, and I'm a little disturbed that the CFPB doesn't seem to care that both of these companies are in violation of the laws the CFPB is responsible for upholding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX  XXXX  real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$53000.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$13.00}. The original creditor is XXXX XXXX XXXX XXXX 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 

I could not qualify for a home equity loan due to the fact these accounts are negatively affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my personal information has even exposed in multiple data breaches including an Equifax data breach. Someone has attempted to file an income tax return in my name as well as attempt to secure credit using my information. This has also resulted in several unauthorized credit inquiries. I have filed a police report with XXXX pa PD as well as an identity theft report. I have also sent in the identity theft report along with the appropriate documentation, ID, SS card, and a hand written letter explaining to Equifax my situation and gave them specifics on the exact inquiries that were fraudulent that I needed removed. The specific inquiry is ( XXXX XXXX XXXX, 2022 ) I called up and spoke with an Equifax XXXX representative, and I was told that I had an invalid FTC report because the specific inquiry was located in the personal statement section. I explained that the FTC report only allows for 3 inquiries to go in the inquiry section and that FTC gave explicit directions to include the additional inquiries in the personal statement section! I also explained to the fraud department that there was also an inquiry included in the personal statement section ( XXXX XX/XX/2022 ) that they removed already.
Product: Credit card

Bank of America informed me that if I agree to double my minimum payment for 6 payments, they would cancel the remaining debt and that I would ; d not need to close the card. I confirmed it with them multiple times during th interaction. I was assured everything was correct. After I completed my end of the terms and made 6 payments of double my minimum they ddi not cancel the remaining debt.

I contacted them back to discuss the matter and was forwarded to a high up manager in the escalation department. He confirmed that they did offer me that deal then told me it shouldn't have been offered because they do not have that program. 


I informed him that I wanted copies or log numbers for the recorded calls he told me they wouldn't provide them to me. I let him know that what they did wasn't right and that lying to consumers to get more money was wrong. 

They still have my money made for those payments and now I received a letter from a law firm claiming they will take me to court over the debt. This has to be illegal and an abuse of power.
Product: Checking or savings account

In XX/XX/2012 a representative from Bank of America called me to see if i wanted to switch my checking account to a no fee online account. My account was dormant because I moved to Colorado where no Bank of America locations exist. This stopped a fee of around $ XXXX/ month being deducted from my balance in lieu of receiving monthly statements. In XXXX of this year, I noticed that Bank of America had started deducting fees from my account again without notice. When I questioned the representative she told me that the fees were highlighted on my monthly statement. Bank of America convinced me to move to an account where i don't receive monthly statements and then decided to change my terms and conditions on the monthly statement that they weren't delivering anymore. I do have online access but didn't believe that I needed to check this because there is never a balance change. Today I received a low balance notice because B of A has taken all of the money from this account in service fees which were never to be charged. When I called them they offered to refund one month. 

This is theft. Albeit, the numbers are small but the principle of this act is fraud and is dishonest given what transpired. I am sure that I am not the only one affected by this.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : Equifax Letter Tracking # XXXX XXXX  Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. ACCOUNT IN QUESTION : Account XXXX with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXXXXXX credit card of the maxed out balance XXXX $ and interest it was put on my credit report then TransUnion said they agreed to take it off and I got another notice saying that now it's accurate I talked to XXXX  XXXX it's been in dispute XXXX XXXX 90 days now when I call they say that the credit report will work itself out since when they mailed the card out I notified them I never got it and they clarified to me it had a balance on it I told them someone must have stolen my mail to hen they put it in dispute since I have had XXXX 's and points deducted from my score and when I call I get no answers they act as if they don't even know what I am talking about not I had them admit it was fraud then now it changed up and I'm paying for someone's criminal acts
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$640.00}, {$10000.00}, {$6500.00}, {$15000.00}, {$12000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX