23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called XXXX on Friday XX/XX/XXXX to make a {$240.00} payment over the phone to be applied to the principal on the loan I have with XXXX. XXXX is related to Mohela and the person who processed my payment applied it to Mohela loans. When I called this morning to get that corrected, I was told that because Mohela and XXXX are separate entities, they couldn't apply the payment that was incorrectly made to Mohela to the XXXX loan. In addition, I was told that it takes 60-90 days to refund a payment. I understand that being separate entities makes it not possible to do that. Ok, fine. I get it but 60-90 days, 2-3 months to get a refund for a mistake XXXX made on their end, I can't accept that. I am trying to get ahead here. Making extra payments before the program even ends to get ahead. This should be something that can be done online on the XXXX portal but I have to call the loan servicer to make that happen? I had called early XXXX for the same thing and that payment didn't go towards the principal like I asked. It shouldn't be this hard and painful to make student loan payments.
Product: Debt collection

I receive daily calls from South West Credit Systems, They refuse to provide me with any additional identification as to who they are, I have repeatedly asked not to be contacted because I do not have any outstanding balances with any creditors. They will not cease to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries in my Experian credit report. I wroteXX/XX/XXXXto remove these inquiries from my report. They replied that they could not even find them. I am sure they do not belong to me, as no evidence has been sent to me.
Product: Debt collection

Capital Accounts , LLC in XXXX TN I contacted them twice in XX/XX/2020 and in XX/XX/2020 about a medical debt from XXXX XXXX. I spoke with two different agents gave them my information and they both verified that It is not a debt account with them in my name for {$390.00}. I have disputed this with XXXX  and XXXX  3 times. I need to get this removed off my credit report especially when it was verified by the collection agency no account showing in my name.
Product: Credit reporting or other personal consumer reports

I sent several request to validate this information reporting on my credit file company have not sent requested documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the breach my credit file at Equifax has been in complete disarray. I first complained to XXXX in XX/XX/XXXX regarding all of these Bankruptcies appearing on my credit report. They were removed except for the actual Bankruptcy that I filed on XX/XX/XXXX. Since XX/XX/XXXX all of the bankruptcies had reappeared on my credit report. I have attached the credit file and the letter from the company that they stated on the credit report that they received this bankruptcy information from. The letter states that they have deleted those bankruptcies and have communicated to Equifax to remove them but Equifax has not. 
Since my first complaint to XXXX my credit file had been moved to another customer care unit that has also re-inserted all previously removed fraudulent accounts back onto my credit file. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened fraudulently and I sent Equifax along with the other Credit Bureaus the FTC Affidavit and a police report. As stated before they were removed and when I complained to XXXX they were re-inserted and they refuse to remove them and now my credit report is being handled by a special unit in Equifax who blatantly refuses to investigate properly and remove the fraudulent accounts off of my credit report. 
Please remove the accounts and the bankruptcies and resend a new credit report.
Product: Mortgage

I have increased expenses from the COVID pandemic and wanted to apply for a temporary mortgage deferment as allowed after passage of the CARES Act. Quicken Loans is my servicer but XXXX XXXX owns my mortgage. Quicken 's website asked a series of questions then told me I am approved for a 3 month forbearance, however I would need to make a huge lump sum payment after the 3 months or go into foreclosure. Here is the language of their proposed mortgage forbearance : " At the end of your plan, youll have the option to extend your forbearance. This may be right for you if you need more time before resuming payments. 

If you extend your forbearance, youll still need to bring your loan current when your plan ends. That means making all the payments that were paused during forbearance, plus any payments that were past-due before your plan began, if applicable. An extended forbearance means a larger amount youll need to bring current at the end of the plan. '' I believe this is not in line with the CARES Act and do not want to agree to a lump sum payment when there are other options available.
Product: Mortgage

XX/XX/2018 Good morning Consumer Financial Protection Bureau, I tried to pay my Mortgage with Bank of America this morning through online banking by transferring funds directly to my mortgage account and BOA app would not let me pay. So I called Bank of America to see if there was an error. 

The representative told me that they have transferred my loan to a mortgage company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX  this company on the XXXX  websites and if I am correct it says it is not accredited. Also the complaints with this company are very high. 

I would like to make a complaint to stop this transfer of my mortgage to this company. I have struggle to pay my mortgage between the XX/XX/XXXX through the XX/XX/XXXX of each month, but never after theXX/XX/XXXX of each month. I have occurred an outstanding late fee attached to my mortgage but will pay fees off by XX/XX/XXXX of this year. About five or six years ago I applied for HAMP or HARP with Bank of America, they denied the Modification twice maybe even three times. So I reached out to a HUD counseling Non- Profit Organization and they helped me get my loan approved. I now have an HAMP or HARP which is an ARM Loan with BOA. I asked why was this loan approved as an ARM? I was told that is how the loan is set up with Bank of America. 

I really do not want my loan transferred to this company XXXX XXXX XXXX XXXX and I am afraid that they would start an foreclosure status on my home of eighteen years and I am a single parent of XXXX trying to do the right thing. Please assist me with this complaint. If you need additional information I will forward you my email address. 

Best, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

My mother, XXXX XXXX XXXX had a checking account with JP Morgan Chase. She designated me as the beneficiary of that account after her death. She passed away on XX/XX/2019 in XXXX, XXXX. Chase has refused to accept the official death certificate from the XXXX XXXX XXXX XXXX XXXX stating that I have to receive an " apostille '' certification from the nation of XXXX. The problem is that XXXX does NOT issue " apostille '' certifications as they are not signatories to the XXXX XXXX which created those. I have explained this to Chase Bank and they have basically said, " too bad, we will not honor the beneficiary designation and turn over the account to you without that. '' I have provided them with sufficient proof of my mother 's death and they are illegally holding onto the account funds. I believe this to be an unfair and deceptive business practice on their part.
Product: Mortgage

I had applied for a mortgage with loan depot and my loan was denied but no adverse action was provided to me, even after repeated requests one has not been issued to me.
Product: Mortgage

I had a mortgage with Bank of America and sold my home in 2010. 
I signed closing papers, closed out the mortgage, transferred ownership of the property. 
Bank of America today still has my mortgage reported as open, reporting past due balances in excess of XXXX, negatively impacting my credit. 
I have attempted several contacts directly to BOA, always with the same response, someone will get back to me shortly. Several months later, no one has.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently rehabbed my student loans, and Fed Loan Servicing transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX. 
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 also states a consumer reporting agency can not furnish a account without written instructions. 
I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this in hoping to get Navy Federal Credit Union to remove a 30 day missed payment from my credit reports from XXXX of 2017. My husband was in the process of changing assignments and our pay was messed up. In addition there were fraudulent charges on my credit card account that I recently found out about and were able to dispute and win. I was credited over {$600.00} because of it. This affected my balance at the time and my ability to pay my bill.
Product: Checking or savings account

Between XXXX XXXX and XXXX XXXX there were three attempts to withdraw funds from my checking account with Bank of America. Two, were successful resulting in XXXX dollars being taken out of my account. The third attempt was at a bank of america ATM where apparently it was denied because they incorrectly put in the pin. Based on their " investigation '' they determined that I was was the one responsible for these purchases. When talking to the last representative about the about the attempts on my account and their decision they had no knowledge about last attempt at their own ATM. If they had done a proper investigation based on the initial report I made where I pointed out all three transaction as not being mine, they would have been able to go back and look at their own cameras and see I was not the one withdrawing funds. Instead, they came to that decision and I would later be told that my claim would be sent be for reconsideration after I again pointed out that their decisions was made without even looking at their own cameras. I was told the process would take up to 45 and Ive been patiently waiting for a response. However Bank of America has taken it up in themselves to, without any approval from me, start removing funds from another account I had with them. I feel this is totally unacceptable, and a total invasion of privacy and trust. I want bank of america to do a proper investigation and promptly return all funds.
Product: Credit reporting

I had our student health plan. It shows on my finance report. I put at my attachment. And I did payment the bill. I also got the refund on that one year later. I do not why they still put the Negative Accounts on my credit report. keep hurt my about XXXX point on the single one case
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter regarding my credit report. I have recently discovered that there are several credit inquiries on my report that I have no knowledge of. Despite disputing these inquiries with XXXX, Experian, and XXXX, they have refused to remove them. 

Furthermore, I have been informed that my credit report shows missed payments or derogatory indicators on one or more accounts, which is not true. The credit bureaus have also stated that I have heavily used my available revolving credit, which is incorrect as my revolving limit is only 24 % of my total credit limit. Additionally, I have been wrongly reported as having a relatively high non-mortgage installment loan, with 0 % of it paid down. 

These inaccuracies have led to a significant drop in my credit scores, nearly 80 points in the last 2 months. I find this to be unjust and unfair. I request your assistance in having all the incorrect inquiries removed and all corrections made to my credit report with all three credit bureaus. I would also like my excellent credit scores to be restored immediately.

Thank you for your time and consideration.

Sincerely
Product: Credit card or prepaid card

On  XXXX / XXXX  /2017 I n oticed that I pay my card late. I went online and noticed also the late fee of {$27.00} put on already. I call the bank and the agent told me if you pay {$75.00} today that will be for  XXXX  and  XXXX  bill and we will take off the late fee too. I go online to see my payment for this month and I still seeing I have to pay {$75.00} plus the late fee still is there. I call and the agent said we will refund the {$75.00} back and then you pay it back to use to clear the {$75.00} payment but the late fee will remain. So they want to pay {$75.00} plus the late fee. Which I was told pay on  XXXX / XXXX /   2017 pay  {$75.00} and when you do we will take off the late fee. So that late fee is suppose to be in  XXXX  bill not  XXXX .
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the inaccurate items that should not be in my file that resulted from an alleged incorrect reporting, however I still have ITEMS left that needed to be removed. I recently checked my updated personal credit report and I noticed some unauthorized credit inquiries still remained on my personal credit report. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries, inaccurate names and addresses from my credit file. Here are the remaining items for removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/202XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please help me remove them as soon as possible.
Product: Debt collection

On XX/XX/XXXX I filed complaint number XXXX with the CFPB. In response to the referenced complaint, you claimed to take consumer protection obligations very seriously ; However, based on the evidence you provided in your response, regarding reference number XXXX, is it clear that your company is engaged in the ILLEGAL practice of re-aging of an account. 
Section 623 ( 5 ) ( A ) of the FCRA clearly states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Upon reviewing the information you provided in response to complaint number XXXX, it is clear that the account 's date of first delinquency ( DOFD ) was in XX/XX/XXXXor a date earlier than XX/XX/XXXX reported on my credit file. While you claim that it is your right to report to the major credit reporting agencies, the act of knowingly reporting misleading information or engaging in account re-aging is ILLEGAL.

By changing or failing to provide the date of first delinquency, the FCRA compliance date, it is clear your intend is to reset the clock so as to have more time to collect on this alleged debt. I would like to remind you that it is ILLEGAL to change the purge from date on a negative listing causing it to remain longer on a consumer 's credit report longer than allowed by federal law.
Product: Credit reporting

I used a credit monitoring service and my credit monitoring service informed me that a couple of months ago Transunion had an error in their systems and what happened was they deleted a bunch of inquiries from consumers credit reports and about a week later they reinserted those inquiries back onto those reports but they did not follow the proper procedures to do that. 
The following inquiries were deleted and reinserted Addresses Reported XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Employment Data Reported : XXXX XXXX XXXX XXXX/XXXX/XXXX Adverse Accounts XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$390.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$640.00} XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$730.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$360.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$290.00} I called TransUnion and Transunion gave me a file XXXX XXXX instead of deletion of inquires Section 611 of the fair credit reporting act states that anything deleted from credit report and reinserted needs a five-day notification after that item is reinserted and that did not happen. I was a victim of their inquiry issue and i want the above stated inquiries removed of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reached out and reported an inaccurate debt to XXXX, XXXX, and Equifax. When I request debt validation from them they provided a document that was not accurate or validating that it is indeed related to me in any way. The document showed a persons name that I do not recognize. In addition to not recognizing the charges or the names listed, there is no signatures on the document. This debt is invalid and not related to me and I would like it to be removed from my name completely since it was inaccurately reported to the XXXX, XXXX, and Equifax.
Product: Mortgage

In 2012 I got a divorce. Bank of America was giving me the run around about how to get my name off the title and the loan, since it was under my ex husbands VA loan. Finally after 3 years I was able to talk to the VA and I was able to do a quitclaim Deed. Once I sent that into BOA I was informed that all of the BOA information would be taken off my credit. This is still reflecting on all XXXX of my credit reports, and killing me. I have called BOA multiple time and no one can tell me why it 's still on my credit because my name is off the loan completely. Between getting ready to XXXX from the XXXX and trying to buy a new house do to expanding my family this procedure has been a nightmare. Please help me in this matter. My ex-husband has continually been late on the mortgage.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received via email a notification from the fraud detention unit telling me to call to verify recent activity on my card, I was also left a voicemail to call. On that same day I called to verify what was happening, I was at work and called after, while driving on my way home. I was then notified of the fraud activities that took place on my account and was disclosed a list of transactions to verify I was asked if I remember last time I saw the card, last time I saw it was at the airport when I used it to pay for a seat at XXXX XXXX, and I said I think I put it on a draw in my house. I was told I should hear from the investigation team with any concerns or if any information was needed from me, I was going to be notified. 

On XX/XX/XXXX, I received a call from the fraud investigation department agent XXXX  called me and informed me that they have determined that the transactions were valid because I allegedly replied to a text verifying a transaction from XXXX on XX/XX/XXXX, and that all transactions are deemed valid, and I am responsible for the fraud activity that took place. 

First of all, I was working during the time all these transactions took place, I have not replied to a text and if your records show otherwise then my phone was hacked. On the other hand, other methods of communication should have been used, an email sent, a call made like it happen the day I discovered the fraud. All transactions were allowed to take place, transactions that were outside my normal usage and large amounts and the only thing your representative says is that a text was used to confirm a transaction from one store. 

The representative argued that my responses are inconsistent, I thought the card was in my drawer, as I told the initial representative, this is not the only credit card I have whether this card was lost or was stolen I cant recall. Last time I used and saw the card was at XXXX XXXX and I told the representative this. Another representative XXXX told me I never called back to report I didnt have the card and that it was lost/stolen. I was advice on my first call not to do anything that you will investigate. I did not make these transactions, I will not be liable for goods I did not purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over a couple of months since Experian raise my credit score, XX/XX/XXXX I paid off four collections towards my credit file to start restoring credit and Experian has been stagnant of raising my credit scores, the four collections I have paid upto date is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX. I am requesting for Experian to raise up my Credit scores for I have paid up on four collections and I am paying on the credit I do have. I would really appreciate.