23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

As of XXXX of XXXX, I was on the Save plan making payments. This plan was placed on hold by the courts. The student aid website offered loan consolidation but did not indicate that would mean needing to submit a new IDR application. In the consolidation process I resubmitted the IDR application. MOHELA refused to acknowledge the applications due to the court case, and instead of giving me a 0 % forbearance, they placed me in an interest-bearing forbearance. I filed bankruptcy due to mounting medical bills in XXXX of XXXX and this put my loans on hold on top of the forbearance. In XXXX of XXXX the forbearance and bankruptcy had passed, and I made the loan payment of {$340.00}. On XX/XX/XXXX MOHELA sent me a letter stating : ACCT NUMBER : XXXX XXXX XXXX XXXX : Your Student Loans Are in a Forbearance A federal court issued an injunction preventing the Department of Education ( ED ) from operating the SAVING on a Valuable Education ( SAVE ) Plan and some other income-driven repayment ( IDR ) plans. As a result of this ruling, ED has directed MOHELA to put your account into a forbearance because either : 1. You are currently a borrower on SAVE 2. 60 Days have passed since we received your IDR application, and it has not yet been processed.

you can find more information at StudentAid.gov/saveaction.

What does this mean for me : While you are in the forbear4ance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. 

You will NOT receive credit toward IDR forgiveness and Public Service Loan Forgiveness ( PSLF ) for the month ( s ) you are in the forbearance, the amounts paid will go toward satisfying your future payments ( s ) We will notify you before the forbearance comes to an end. We do not currently have a time estimate. We will then send you your next monthly billing statement at least 21 days be3fore your next monthly payment is due. 

When I spoke with the customer service rep she stated I still owed my payment despite this letter and that I would need to elect forbearance. 

The company is not only going against EDs directive on my account, in which my account meets the second criteria on the form but is trying to either force payment or an interest-bearing forbearance, which directly contradicts the letter. The letter can also be found in my " inbox '' on the MOHELA website.
Product: Credit reporting or other personal consumer reports

Our mortgage is set up with auto-pay. We pay {$1100.00} on the XXXX of each month for a payment that is {$1000.00}. We have been doing that for at least XXXX months. 
Apparently the mortgage lender ( BSI ) sent us letter ( s ) starting in XXXX, XXXX stating they did an escrow analysis and we were to pay more towards the payment until the shortage was cured. It wasn't until XXXX, XXXX that we received and reviewed that letter, and called BSI to clear up the escrow shortage. We recently had our credit pulled to apply for a new mortgage and we were told by our mortgage loan officer that we had 5 late mortgage payments from XXXX, XXXX through XXXX, XXXX. We never received ANY letters from them until XXXX, XXXX, and when we did, the shortage was cleared up immediately. BSI has no proof they sent or we received their letters. They did not send them via certified mail. BSI said they left us numerous voicemail, but my wife and I never received a voicemail. All we know is that the payment was made every month via auto-pay, and we were unaware there was ever a shortage until XXXX, XXXX when we did get a letter from them via US Mail . We are requesting they remove ALL late mortgage payments from XXXX, XXXX, XXXX, XXXX of XXXX and XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I recently learned that my personal information was leaked in a data breach and i beleive it was used to open accounts that are not mine. I did not open or authorize any of these accounts. in XXXX my wallet was stolen and I believe this could be a result of that also.
Product: Credit reporting or other personal consumer reports

I have disputed the validity and accuracy of this account ( XXXX ) on different occasions ( dates XX/XX/2023, XX/XX/2023 and XX/XX/2023 ) and what I asked for has never been produced. I received a correspondence dated on XX/XX/2023 that Equifax will NOT be conducting further investigation after receiving my dispute but still chose to furnish inaccurate information which is in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ). After Equifax reinvestigated, the account remained with inaccurate information which I believe is a violation of FCRA Section 611 ( 5 ) ( A ) ( i ) ( ii ). Equifax also did not mark notice of dispute for this account when FCRA Section 623 ( a ) ( 3 ) says it is their duty to provide notice of dispute. The dispute letter dated XX/XX/2023 was received by Equifax on XX/XX/2023 and the dispute letter dated XX/XX/2023 was received on XX/XX/2023. 

Tracking # 's are XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX Equifax has violated FCRA 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Equifax has violated FCRA Section 611 ( 5 ) ( A ) ( i ) ( ii ) Equifax has violated FCRA Section 623 ( a ) ( 3 ) I have attached documents showing these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. Please delete.
Product: Debt collection

To whom this may concern, I have a collections account in the amount of {$2000.00} on my XXXX credit report. I spoke with the company to try and get the collection resolved and let them know that I had no association with the address that they are trying to tell me I owe money about. I reached out to XXXX to dispute the collection and also told them that I have no knowledge of the collection. The address that is associated with the collection account I have no previous knowledge of. The creditor " rent recovery solutions '' continues to call me 2-3 times a week from the same area code to collect on the account.
Product: Checking or savings account

USAA bank has been my primary bank fo r 7+  years, and the communication speed of their online services is very slow.
Product: Checking or savings account

So I have all the couple of disputes with them because there was money coming up missing out of my account so they denied all these the volume Dispute so I asked him to send me information on why they denied the dispute and pictures of whoever withdraw the money out of my account and I still have not received anything from them
Product: Debt collection

This company is sharing information as a collection tactic with family and friends, my biggest worry is how they have obtained the private cell phone number of my family and friends.They are sending tex messages. WE have reffered them to our company attorney and they continue sending text messages to my family and friends along with multiple threatning calls a day. I am XXXX years old and this harrasment and defamation is hurting my health. We have already provided our attorneys information yet they persist with this harrasment on a daily basis.
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payments on XXXX and XX/XX/2020. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Money transfer, virtual currency, or money service

On  XXXX / XXXX /2017 I did a wire transfer of   XXXX    XXXX  from my account at Bank of America, to my family account in   XXXX   at   XXXX   XXXX   XXXX  . Attached wire transfer confirmation.
The money never reached the destination account.
Attached recipient 's account statements for  XXXX /  XXXX   and  XXXX  2017.
When I asked Bank of America about this issue, they told me the money was sent to an intermediate bank in  XXXX  (   XXXX   XXXX   ) and they do n't know what happens after that.
I 'd like to have someone investigate/solve this issue.
Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

When you're denied credit, lenders are required by the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) to inform you of the reasons for the denial or provide you with notice on how to obtain this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Request for Explanation of Credit Denial under FCRA and ECOA Dear RHO, I am writing to formally request an explanation for the denial of my credit application, which I submitted on XXXX, XXXX I received notification that my application was denied, but I was not provided with any reasons for this decision or information on how to obtain these reasons, as is required under federal law. 

According to the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), credit applicants who are denied credit are entitled to an explanation of the reasons for such denial. Specifically, the ECOA requires that creditors provide a notice of adverse action that includes either the specific reasons for the denial or instructions on how to obtain these reasons ( 15 U.S.C. 1691 ( d ) ). Furthermore, the FCRA mandates that consumers be notified if information from a credit report was used in the decision to deny credit, including the right to a free copy of the credit report and the right to dispute inaccuracies ( 15 U.S.C. 1681m ). 

Given the lack of information provided regarding the denial of my application, I am requesting the following : 1. A detailed explanation of the reasons my credit application was denied. 
2. The name, address, and phone number of the credit reporting agencies that provided the reports used in making the decision. 
3. Instructions on how to obtain a free copy of my credit report as allowed under the FCRA. 
4. Information on how to dispute any inaccuracies that may have influenced your decision, if applicable. 

This information is crucial for me to understand the factors affecting my creditworthiness and to address any discrepancies or issues on my credit report. 

Please provide the requested information within the time frame specified by the ECOA and FCRA. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card

Sir/Madam, I have applied a Credit card as name Chase Freedom Unlimited card Reference Number XXXX, Today I got a letter from Chase that my application is unable to approve my request this time with a lame reason " Too many credit cards opened in the last 2 years with report provide by XXXX XXXX why they gave me false information because as per my knowledge I got only XXXX credit cards like Chase freedom, XXXX XXXX, XXXX XXXX and XXXX XXXX. and XXXX credit cards are totally paid out on right time within their promotional period. As per more attractive beneficial benefits more than my previous card so I applied this card.As per good credit customer I have right to access switch my product for more benefits to new product.If chase do n't want my business then I will close all my debit credit cards account from Chase in future. 
thanking in anticipation XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my files : EQUIFAX : XX/XX/1971 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}
Product: Checking or savings account

To whom it may concern, I am writing to file a complaint against East West Bank 's XXXX banking service. Without any prior notification or explanation, my account with XXXX was closed. I have always maintained my account in good standing and have not been involved in any suspicious or unauthorized activities. 

I would like to highlight the following details : Date of Account Closure : XXXXXXXX  Account Type : Checking, Savings, etc. ] Actions Taken by Me : Upon discovering the closure, I attempted to contact XXXX XXXX customer service for clarification but received no clear explanation for the action taken against my account. 
I understand the importance of adhering to banking regulations and protocols. However, I believe that as a customer, I deserve transparency and communication regarding any significant changes to my account status. 

I kindly request the Consumer Financial Protection Bureau to intervene in this matter. My primary goal is to have my account with XXXX reinstated and to understand the reasons behind its closure. 

Thank you for your attention to this matter. I am hopeful for a prompt resolution. 

Sincerely,
Product: Checking or savings account

Opened a savings and checking account at Chase Bank. Was charged for a debit card. No one told me. Was charged to withdraw money out of my account, no one disclosed this. Last straw was $ XXXX/month service fee on my accounts that again no one disclosed to me. Closed account and was put in negative on 2 accounts. After I told clerk that I might have pending transactions and he said " No they all cleared '' .These accounts were only opened XX/XX/XXXX to XX/XX/2018.
Product: Mortgage

On XX/XX/XXXX before our Forbearance ends up on XXXX XXXX. We applied for Partial Claim which of the benefits of FHA Mortgage, since according to FHA Guidelines, we are qualified because we are only 30 days Past Due. The last payment we made was XX/XX/XXXX which covers our XXXX. Our Forbearance was started on XX/XX/XXXX and supposedly end up last XXXX XXXX and they offer us another 1 month extension. According to Ms XXXX from Amerihome dtd XX/XX/XXXX i might not be qualified because we are Current. From FHA Mortgage its cleared that if borrowers are current or 30 days past due we are entitled to apply for Partial Claim. And all of the sudden they sent letters : - 1st Disapproved us for Partial Claim dtd XX/XX/XXXX letter - 2nd Disappoved us for Disaster Modification dtd XX/XX/XXXX letter - 3rd Disapproved us again for Payment Plan thru Phone with XXXX XXXX dtd XX/XX/XXXX Today I spoke with Ms XXXX ID # XXXX, I begged her to review our Payment History, she said we were past due for 152 days according on her system which they include 1st day of Forbearance XX/XX/XXXX. And I said to Ms XXXX Past due should be srarting on XX/XX/XXXX because they still received my pymnt on XX/XX/XXXX for our XXXX ... so we are only past due for 30 days. And she reviewed it and XXXX said, I am right. 


Please help us to save our home and they want us to apply for Loan Modification which it was cleared that we can avail Partial Claim, please help us, this servicing bank are always giving us a hard time since than. It look like they not trying to help us, they are trying to take our home thru foreclosure, because if we will apply for loan modification they will deny us again, because we got our Loan Modification last year on XX/XX/XXXX which they buried us for a high interest of 4.625 %. They are not treating us fair. A very cleared discrimination. Instead of helping or offers us a better programs tgey denied us 3x in a row XX/XX/XXXX to save our home after COVID, look like they are very interested to get our home. And the comoany where my brother used to work waS temporary Covid Issues and just recently reopened this month if XXXX thru XXXX. 

Please help us, we need someone that will protect us from U fair treatment by serving mortgage company. 


Thank you XXXX ( XXXX ) XXXX ( authorized person-sibling ) For The Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I answered a solicitation form XXXX XXXX ( XXXX ) and got a denial letter on XX/XX/XXXX. I contacted credit reporting agencies and got 3 of 4 reports from, XXXX, XXXX and XXXX and await number 4, XXXX. No report shows me as deceased. I wrote back to XXXX XXXX to ascertain who was reporting me deceased and on XX/XX/XXXX they sent my a repeat of the original rejection letter of XX/XX/XXXX not indicating who had made the erroneous report. I am not sure what to do. Credit reporting agencies have no mechanism for me to seek relief. Can you advise me or must I sue XXXX XXXX in order to find out who is misinformed?
Product: Credit card or prepaid card

I got a pre-approved offer in the mail from Capitalone, so I applied for the card and got approved. A few weeks after my card arrived, I got a letter from Caopitalone informing me that they are closing my account baecause '' Principal owner ( s ) have past, present or pending legal action ''. Closing my account and checking my credit report have both caused my credit score to drop as a result. This is not the first time this company has done that to me, last year the same scenario happened but that time it was a secured credit card and this time this is an unsecured card. By receiving a pre-approved offer I thought that the company has done their research and found me creditworthy to receive their card, but just to turn around and close my account a few weeks after is rather peculiar. Their actions both times have caused my credit score to drop and now I have two closed accounts on my credit report that further damages my credit score and my ability to better myself financialy.
Product: Vehicle loan or lease

Me and my son went to the XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/year> It was about XXXX minutes before closing so when I found the car I wanted we just hurried up into the paperwork I actually didn't get the paperwork until we can have after I already own the car like I already switched car home when I picked up the car on the second they did nothing as far as detailing except for putting gas in the car so we can have later I get the paperwork from the dealership from the salesman and then a couple weeks after that I get the paperwork from Santander and I'm looking it over and I'm trying to figure out why my annual percentage rate is 18.40 % My finance charge is {$15000.00} my amount finance is {$25000.00} My total of payments is {$40000.00} and my total sales price including my {$2000.00} down payment is {$42000.00} there's also fees in here I did not agree to because I bought the extended warranty so there is a tire and wheel XXXX  whatever that is {$1700.00} and there's also a XXXX XXXX XXXX  maintenance plan for {$1300.00} also the car was already on the lot when I showed up there so it's not like it was delivered especially for me and I can see where the electronic registration filing fee comes in but why am I paying it {$1200.00} pre-delivery fee went and it was not specifically delivered for me. Also the paperwork for the loan company is different than the paperwork from the dealership
Product: Mortgage

I paid my mortgage XX/XX/XXXX Friday XXXX & XX/XX/XXXX Friday XXXX via XXXX XXXX Rushmore Loan Mgmt states they did not receive the payments until the XX/XX/XXXX of the month I called Rushmore and they said I would have to send a letter about the payments via Fax only. XXXX XXXX is not a bank and the payment are transmitted immediately up until midnight the same day. 
The customer service dept is off shore - meaning possibly the XXXX XXXX The recent letter said I could be in default for less than {$200.00} is appalling when I also called Customer Service during the XXXX County wildfires in XX/XX/XXXX and the so called Customer Service said they could not assist with my hold of making a payment until XX/XX/XXXX which would then create a late charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed multiple 30 day late payments on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, XXXX, and Transunion. Please remove the 30 day late payments from my credit reports.
Product: Mortgage

XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX RE : Request of support and mediation with Specialized Loan Servicing to avoid the foreclosure of my home Complaint # XXXX XXXX XXXX, Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom it May Concern : Regarding my Complaint # XXXX, I want to inform you that I could not provide you with the name and contact information of my loans investor because my Servicer refused to give it to me by phone or email. 

Attached I am sending a copy of the letter I sent to Specialized Loan Servicing formally requesting the investor information. I understand that cases have due dates for submitting data, but it has not been easy for me to deal with my Servicer. 

I would appreciate it if my case remains open until we receive an answer from my Servicer. 


Best regards, XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Phone number XXXX XX/XX/XXXX, XXXX Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : XXXX # XXXX. Your letter dated XX/XX/2022 Property Address : XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Certified Mail # XXXX Dear Servicer : The Consumer Financial Protection Bureau requires the contact information of the Investor of my loan ( # XXXX ). I called several times to get this information by phone, and finally, your customer service agents instructed me to send a request in writing. Thus I would appreciate it if you could send the following information as soon as possible Investors name or company name. 
Mail address Phone number Contact name, email address, phone number, and address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXXXXXX XXXX 
XXXX XXXX. 
Consumer Financial Protection Bureau
Product: Debt collection

CONTINUE TO CALL MY WORK, I AM IN PROCESS OF TAKING CARE OF THE {$600.00} DEBT CONTINUE TO CALL EVEN AFTER XXXX AT NIGHT ATLEAST XXXX A DAY. THEY HAVE CALLED MY WORK 3 XS THIS WEEK