23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I reached out to Transunion to dispute two late chargers that were placed on my credit file by XXXX XXXX XXXX. Upon doing so I was informed that XXXX XXXX XXXX has not updated my account balance since XXXX of XXXX. XXXX XXXX is currently reporting a XXXX $ balance and XXXX late charges as of XX/XX/XXXX, XXXX, all late charges were reported in err with XXXX app. When ask to remove I was told to call the credit agencies. XXXX is in violation of my ( Fair Credit Repot Act ).

Violation # 1 Not updating the account balances in a timely manner, 30 days.

Violation # 2 Reporting inaccurate information and or account balance.

Violation # 3 Reporting lates charges to gain extra money, the person is not late.

Violation # 4 predatory lending, Interest rates is 30 % fraudulent, deceptive and unfair lending practices Violation # 5 keep my credit score very low cause me to be denied a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Trans Union to lift a security freeze on my credit report. I received a confirmation on their website that read : temporarily removed your security freeze from XX/XX/2018 through XX/XX/2018. 

On XX/XX/XXXX, my lender tried running my credit report as I am applying for a new mortgage however, the security freeze remained and my lender could not run my credit report. 

I logged into my Trans Union online account and REMOVED my security freeze. My lender ran my credit report again and it still does not work. I tried calling Trans Union and they insist that my account is UNFROZEN.

My online account also indicates that my credit is UNFROZEN. My lender received a response when trying to run credit that an 8 digit number is required in order for them to run my credit report.

I contacted Trans Union again and they insist my credit is UNFROZEN. I  asked them for proof and they said they are unable to provide any proof. 

I had the same exact experience with XXXX however, they are demanding a 10 digit number in order to to release my credit report. 

XXXX is a whole other issue. There website refuses to acknowledge me and I am unable to login or even create a new account. When I call them, they forward me to another country and I speak with representatives that are very inexperienced with helping me. All I am able to get from them, is a confirmation number that my account is unfrozen. Here is what I have from XXXX  : XX/XX/2018, XXXX XXXX ID # : XXXX Confirmation # : XXXX ( that credit is UNFROZEN )
Product: Mortgage

Dispute on Partial Payments for XXXX and XXXX Mortgage : Servicer is currently reporting us delinquent for on our mortgage for XXXX and XX/XX/XXXX Both our bank account and the servicer are showing monies in constructive receipt for the months of XXXX, XXXX, XXXX and XXXX We believe this understanding was due to a coded unapplied payment posting on XX/XX/XXXX ( Circled on statement with N? ) and a strange recording on XX/XX/XXXX showing most of our payment going to principal balance of loan. We in no way communicated that we wanted our normal mortgage payment to be applied to the principal of the loan as is contractually spelled out in our mortgage. 
Further on XX/XX/XXXX at approximately XXXX XXXX  MST we called Servicer and spoke with an agent of the firm regarding this matter. The agents extension is XXXX. While on the phone with us, the agent of Freedom Mortgage acknowledged their mistake, took off as many late charges as they could based from their scope of practice ( service representative ), and promised they would fix the problem. On the call, they further instructed us not to pay any additional monies until the problem was fixed o This was done partially on the statements on XX/XX/XXXX but was once again registered as unapplied
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a credit line without any legal authority. They are reporting this fraudulent criet to harass me and adversely effect my credit rating. XXXX had maintained they were transferred this account from XXXX XXXX XXXX. At the time the account was allegedly transferred, XXXX XXXX XXXX did not show any activity afterXX/XX/XXXX However, once transferred to XXXX in XX/XX/XXXX, they started their account history inXX/XX/XXXX with a 120 day delinquency. XXXX  has maintained they would report this account adversely due to the pending lawsuit against their predecessor, XXXX XXXX XXXX.
OnXX/XX/XXXX, XXXX XXXX XXXX admitted the Rescission Deed they filed inXX/XX/XXXX was invalid and ineffective. Therefore they had no loan to transfer to XXXX to collect. However, this credit line should be deleted from my credit report.
OnXX/XX/XXXX, the Court declared the Rescission Deed was invalid as well. XXXX is reporting false information to the bureaus and they are aware of the most recent decision by the Court, ad they are conspiring with XXXX XXXX XXXX creating a fraud against the Court 's, CFPB, and the credit reports. I 've attached a letter from XXXX dated XX/XX/XXXX, letter from XXXX XXXX XXXX 's attorney, XXXX XXXX Stipulation of Facts from XXXX XXXX and the Court 's order. I 'm demanding Equifax delete this credit line if XXXX ca n't prove they are legally required to report it.
Product: Money transfer, virtual currency, or money service

Found a XXXX group selling XXXXXXXX XXXXXXXX XXXX, worked a deal out with seller the seller told me the XXXX could be delivered to my address. After an extensive conversation via XXXX she provided a picture of certificate showing she was a licensed XXXX, and video of her holding the XXXX I picked out. She told me the delivery would have to be the next day and a deposit of {$200.00} would be needed for the XXXX. We both used Chime so a bank to bank transfer was done via Chime. The following morning she said the XXXX was registered and ready to be sent to me. The shipping company then contacted me and told me there would be a {$1000.00} fee to rent a XXXX to fly the XXXX. The XXXX was to be delivered 86 miles away in the same state so flying wasnt needed. They then changed the fee to {$300.00} for XXXX for van transport. I did not feel comfortable paying this fee. Contacted the seller told her I wasnt comfortable with paying extra as that was not discussed. She said she would get the XXXX and I could pick it up from her place of residence. The time came to pick up the XXXX and can not get in touch with the seller, however weird enough 10 minutes after messaging her the shipping company messaged me saying they couldnt get the seller so they needed {$150.00} for a penalty fee. Still have not heard back from the seller. Bank will not reverse the transaction sent.
Product: Student loan

On XX/XX/XXXX Mohela accepted into review an application for School Misconduct Discharge that I had sent to them alongside numerous pieces of evidence. 

The purpose of this application is to discharge the private loans taken out to attend XXXX  XXXX XXXX XXXX XXXX, a school found by the Dept of Education to have engaged in fraudulent behavior. 

Today, XX/XX/XXXX, I received a denial of that application. The reason given for denial is : A variety of factors are considered in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

Upon contacting Mohela to inquire what exactly they need from me, the customer service advocate simply restated the exact language found in the denial letter. 

This is troubling especially considering that less than 48 hours prior to receiving this denial I got an e-mail from the Dept of Education affirming that the government has found my school in violation : The U.S. Department of Education ( ED ) is writing to provide an update on our prior determination that some or all of your federal student loans should be discharged based on misconduct by your school. We previously notified you that the federal student loans you received to attend XXXX XXXX XXXX during the period of XX/XX/XXXX through XX/XX/XXXX would be discharged because ED concluded that your school made pervasive and widespread substantial misrepresentations which borrowers relied on to their detriment, and/or violated state consumer protection laws. 

Mohela is forcing me to operate in the dark, by rules that they will not share. 

I have attached my denial from Mohela as well as my application and the evidence I provided them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I was charged {$10.00} by TransUnion, and {$10.00} by XXXX to freeze my credit information accounts. 

In the wake of this massive credit information breach, I feel it is completely absurd that I have to pay for XXXX XXXX massive mistakes. TransUnion and XXXX did not/will not waive their credit freeze fees as XXXX did ( after receiving massive pressure to do so ). The problem is that all of them store THE SAME information, so only freezing with XXXX  is useless. I feel that either TransUnion and XXXX should ALSO waive/refund their fees in response to this disaster, or XXXX should cover the price of freezing credit with their competitors. 

Not only am I ( and XXXX XXXX other people ) at risk for fraud and identity theft, but I have to pad the pockets of the very companies who collect, store, and sell my information without my consent in the first place.
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 inaccurate accounts and unauthorized inquiries ( 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Caliber Home Loans has failed to pay back overpayment held in escrow following the sale of a house in probate on XX/XX/2021, roughly {$4000.00}. The payoff quote from Caliber provided to me at the house sale commits to returning payment within 21 days. 

The house is in XXXXXXXX Washington while I live in the XXXX XXXX. Within a day after closing ( on appx. XX/XX/XXXX XXXX, I called Caliber to give them my address in the XXXX XXXX to send the amount that was overpaid for taxes and insurance escrow ( they would not do bank transfer ). They took this information and said that I would receive payment in two weeks. When I did not receive the payment I called back at the end of XXXX, when they told me that the check was in the mail. I had not received payment by XX/XX/XXXX when I called again. This time they told me that the check had been sent to the house that was sold, which is a clear mistake. The third person that I spoke to put in two 'work orders ' to 1 ) override the requirement to only mail inside the US , and 2 ) resend a check to my correct address in the XXXX XXXX When I did not receive the check by XX/XX/XXXX, I called again ( and spoke with XXXX XXXX ) when I was told that they can not send the check outside the US. We arranged for them to send to my relative and I was told it would arrive at that address within 10 days. It has been 14, and still payment has not been received.
Product: Debt collection

XXXX XXXX contacted a family member and gave them specific information about my debt and they have my phone number and address
Product: Checking or savings account

I had an automated mortgage payment throughout the year of  XXXX , and inexplicably, the payment set for XX/XX/XXXX  did not process. I did not receive notice from the mortgage servicer until it was 30 days past due, severely impacting my previously   XXXX   XXXX  . I have statements from earlier in  XXXX  showing the automated payment was run monthly in the amount of   XXXX  . Upon learning of this, I instantly made a double payment of  XXXX  ( for  XX/XX/XXXX  and  XX/XX/XXXX  ) on  XX/XX/XXXX , and restarted the automated payment for  XX/XX/XXXX .
Interestingly,   XXXX   XXXX   XXXX  , lying, useless member of the Bank of America crime family, pointed out in her reply only that I started the automated payment for  XX/XX/XXXX , refusing to acknowledge that the payment had been automated leading up to  XX/XX/XXXX , despite evidence in prior statements that it was. Interestingly,   XXXX   XXXX    conveniently did not provide the  XX/XX/XXXX  statement, which would have showed the automated payment to be in effect leading up to  XXXX , because it would have been incriminating.
When I pointed this out, she said the online banking history data was unavailable, refused to discuss it further, and said the bank would not change its position regardless, and would not provide evidence of who discontinued my payment ( I received no confirmation of discontinuation and I maintain that I did not make this change ). She kept asking if I had further questions, then refused to answer them when they were posed.
If I discontinued the payment, as they claimed in the past while refusing to provide the evidence, why not provide the evidence to me and shut me up? And if they admit the error and notify the mortgage servicer, I would be satisfied, and it will not affect their license to steal at all. I do n't think anything would affect that!!
If Criminal Bank of America does not have this data, they are violating records retention regulations which I have verified as governing online banking data. The required retention period of 7 years has not expired. She was unfazed and said the case was closed and she would provide no further assistance. She should be fired ( which the crime syndicate obviously wo n't do because she is aiding in covering up their misdeeds ), prohibited from working in the banking industry, and either be subject to banking industry sanctions or criminal prosecution, if applicable.
I implore the CFPB to require to Criminal Bank of America to provide the evidence I have requested, or for the CFPB to either investigate the records retention violations, or refer this matter to the OCC.
This case should be forwarded to a different member of the criminal syndicate.   XXXX   XXXX  , who explicitly refused to address this issue honestly and fairly, has proven herself to be unfit for a compliance position, and probably just about any other form of employment. She must be directly dealt with by regulators, her criminal employer, or both.
Product: Debt collection

I am the consumer, according to 15 USC 1692, I do not owe any debt because I am the consumer and Im not obligated to pay. I am an administer agent according to 15 USC 1602, Im an administer agent and I do not owe that. Social security card belongs to the social security administration, I have to give it back at their request so therefore, Im just an administer agent, I do not own it and I do not own any debt attached to it. 18 USC 8 will provide the information to you. I do not own the debt.

Youre talking to the consumer and they can not validate any debts. To validate a debt is an assess in action. I am the consumer and I am the only one, who can validate a debt and the debt is not mine, it is not true.

Ive done disputes in the past. According to 15 USC 1681 a-e, it states you have to do interviews with my family, associates and neighbors. You did not do that and did not provide that. You did not provide any information of anyone who was associated with the consumer, which is myself. 

Under the law, my federal consumer rights, I am instructing you right now according to 15 USC 1681 b-a-2 to remove all closed and collection accounts according to my written instructions. Consumer reporting is voluntary and I did not give you permission to furnish any of my information. I will be pursuing you next for violating my rights. 

In order to verify, you had to investigate. If a FBI agent investigates, they do not look at a piece of paper and say this guy is going to jail, they have to interview people, witnesses. In order for a consumer to have a witness, they would have to witness the signing of the contract, or contact the neighbors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found items that are not mine. I have contacted the FTC and my local police. Im doing this on my own and These items need to be deleted from my credit report XXXX XXXX and inquiries 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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On [ XX/XX/23 ], I received a notification from XXXX XXXX regarding an outstanding debt purportedly Upon review of the said account, I assert that the reported debt is inaccurate and does not pertain to any obligations owed by XXXX XXXX to the best of my knowledge. I hereby request that your agency immediately cease all collection activities related to the aforementioned account and remove any derogatory remarks or entries associated with this account from all credit reporting agencies. 
I reserve the right to pursue legal remedies available to me under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws should your agency fail to comply with this request.
Product: Mortgage

Seneca Mortgage is a loan servicer for XXXX. They collect the loan amount as well as hold money in escrow for taxes and insurance. Seneca Mortgage frequently changes the monthly amount owed in order to collect late fees - I automatically pay my mortgage the same amount monthly. Seneca will then make harassing phone calls that we have n't paid our mortgage in full and access a late fee. This is incorrect. We 've payed the mortgage and they 've changed the amount owed for taxes and insurance and then issue a late fee. I have requested that Seneca Mortgage no longer collect our taxes and insurance which they 've denied. I am well with my rights to do this as per XXXX guidelines XXXX I believe this is a fraudulent practice that must be affecting others that have loans with XXXX and being serviced by these crooks.
Product: Credit card

So maybe it was early XXXX end of XXXX I was in the bealls store making a purchase when cashier asked if I would like to apply for a credit card I was like sure applied got approved the cashier assured me that I would get the card within 7 to 10 business days so I used the temp card or paper to make XXXX purchase of {$63.00} I wanted almost a month never received a card so called don't remember who I talk to I explain to them I never received a card so that said no a problem we can fix this so she asked me what was the address on the account so I told her my current address she said that was not correct and I was like okay maybe it's under in old address I literally gave her 7 different address everywhere I ever lived and all of them were wrong so she said that I would have to mail a copy of my ID for proof of identity I was like no I'm not doing that just close the account so she said that she closed the account I was still responsible for the balance of {$63.00} so I agreed this was the early part of XXXX so the early part of XXXX I paid the {$63.00} dollars so I thought I was done with company until they sent me a bill saying I owe XXXX in late me fees I was so confuse and called the company I ask them how I owe a balance on closed account with a XXXX balance the said that I didn't make my payment on time so for 3 months I was harassed with calls emails etc until I just paid them {$180.00} worth of late fees on a closed XXXX balance account to me I felt like it was far they were just taking money from me the only reason why I paid because the were falsely report to credit report on a closed account so finally they stop harassing me just for them to hit with some other fees with a bill in the mail so I called them once again she said she would take off all fees and remove from my credit and still hasn't done
Product: Mortgage

In XX/XX/2021, I began working with Guild mortgage. We were initially working towards a VA loan but after months of looking at that, were told that if we were able to come up with 5 % down that we would be qualified for a conventional loan. I came up with the 5 % through documented back wages that were owed to me and contact the company. I never heard back other than to question the source of the wages which I explained. I still never heard back. I found a house and submitted an offer and when the realtor messaged the mortgage broker to see where we were on the prequalification process, the broker directly called back to inform her that we have been denied. We were not informed of that. I had not heard back since explaining to XXXX where the wages came from. I feel there was a breakdown in communication and relationship happened when we were told to go for the conventional versus the VA. 

I became very upset and stated to XXXX this is too much, I need a break, thank you for your time before hanging up abruptly and at that point, I only dealt with XXXX and with an average four day wait in communications and was then denied a loan without being notified notified. 

I feel that at the point I hung up the phone abruptly, and emailed XXXX explaining my personal situation, that XXXX personally felt she had the power to contribute to extreme horrors in my life and opted to do that rather than just telling us we were denied for a loan and allowing me to part ways and go to different alternatives. 


After being denied the loan according to the realtor, XXXX who was emailed by the realtor, messaged me to explain that XXXX would be reaching out. I waited the entirety of the rest of the business day and I made four calls to the business and XXXX cell phone that were all unreturned. Its clear to me that the breakdown of communication was extreme and just not stated. 

It is noted and identifiable that I am an XXXX woman from outside of the area and I feel that preconceived biases about race allowed my asking for a break to be interpreted as aggression which then led to me being denied a loan and not even told about it.