23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, an extra payment in the amount of {$120.00} was withdrawn from my checking account. On XX/XX/XXXX, I was still currently in forbearance, which was supposed to end on XX/XX/XXXX, meaning payments would resume XX/XX/XXXX ; however, they charged me for XX/XX/XXXX. I called and got the situation figured out, and I confirmed that the call was recorded so I could have proof that a refund was being issued. I waited and waited, and called again ( I dont know the exact date ) to confirm it was being processed and I was reassured that it was, however it can take up to 30 business days. Then, 30 business days go by and I speak with someone else. She connects the call with her supervisor and they reassure me that the process has been expedited so it should be to me in about 5 days. This was about 2 and a half months ago. Ive called multiple times since then and I get the same answer each time. Now when I call, it says up to 90 business days, meaning since Ive called it has been 132 days waiting for the money that they wrongly took out of my account. When I try calling to sort out the issue, I press numbers on the auto call operating system and follow the prompts, and it doesnt not connect me with an agent. Half the time the operating system says the social security number doesnt have an account, which I check and confirm multiple times each time. Some times it works, some times it does not. 

Today, XX/XX/XXXX, marks 90 business days, and the money is still not back into my account. I feel like because they made a huge mistake of charging me when they shouldnt have, promised me the refund, and its still not in my account, I declare it as theft. Because they unexpectedly charged me, I also had an overdrawn bank account, so my bank charged me {$35.00} because I was not expecting anything to be taken out. Now its reached a point where if I call, I dont think Ill even get the overcharge refund back because its been so incredibly long. 

I am incredibly angry, and Im willing to go to deep lengths to make sure everyone is aware of how sneaky Mohela is, as Ive read about many other people having issues with them as well. Words can not express how livid I am that I still do not have the money back into my account, especially when Im a struggling lower class person with a newborn child. I want this sorted out absolutely as soon as possible, and Im done calling and asking ; I want my money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have been reporting negative accounts reflecting {$900.00} ( XXXX ) and {$130.00} ( XXXX XXXX ) to EXPERIAN, XXXX, and XXXX. XXXX removed the accounts from my report, however EXPERIAN and XXXX continue to publish these fraudulent accounts hindering me from obtaining credit, thereby causing me to suffer for the last 6 years when the ability to obtain credit would have made life turn out better than this lowly state I feel forced to endure. I am confident that neither furnishing nor reporting parties can validate these debts, although, every time I dispute the accounts I am notified that the accounts are up to date and in compliance with FRCA standards, but I have not seen any evidence to verify these statements. I demand recourse in actual damages for conspiracy, deprivation of rights, fraud, defamation of character, and intentional infliction of emotional distress. I feel it necessary that punitive damages be awarded as well for willful and malicious disregard as well as blatant disrespect for sanctions found within the FCRA.
Product: Credit reporting or other personal consumer reports

I was at the gym in XX/XX/year> my personal information was stolen from my car. Upon reviewing my credit report I noticed a XXXX XXXX XXXX account on my credit report. I never applied for this account per FCRA, unauthorized accounts shall be removed -- XXXXXXXX XXXX XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

I REQUESTED MY REPORT TO BE UPDATED OR CLEARED BECAUSE EVERY TIME I WENT ONLINE TO CHECK MY CREDIT SCORE/REPORT IT READ INFORMATION FROM XXXX XXXX AND NEVER HAS UPDATED SINCE! I SUBMITTED A COMPLAINT PREVIOUSLY THROUGH THE CFPB BUT EXPERIAN TOOK MONTHS TO REPLY WITH A RESOLUTION AND THEN WHEN I FINALLY RECEIVED A REPLY THEY ACCUSED ME OF BEING INCARCERATED WHEN I NEVER TOLD THEM THAT ALSO I HAVE NEVER BEEN TO JAIL!!! EXPERIAN TOTALLY DISREGARDED MY ISSUE AND I HAVE NO IDEA WHAT REPORT THEY WERE TRYING TO MAIL ME BECAUS XXXX HAVE NEVER BEEN INCARCERATED SO THERE MUST BE A CASE OF MISTAKEN IDENTITY! I BELIEVE THIS COMPANY IS PLACING FRAUDULENT INFORMATION ON MY REPORT TO HOLD ME BACK FROM USUING MY CREDIT FAIRLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 


XXXX XXXX 1. XXXX XXXX XXXX 2. XXXX 3. XXXX
Product: Mortgage

Our Mortgage insurance was sold from XXXX XXXX  XXXX to Mr. Cooper in XXXX. We called them regarding some tax questions and were told over the phone that our new mortgage amount will be increased by {$1000.00} per month. They mentioned they did an escrow analysis, and our pmt. will be increased as of XX/XX/XXXX. We have never been late with our payments and said we can not make this payment to which they stated, we will take {$500.00} per month for the next XXXX years, this was all completed by phone! Mr. Cooper started with this payment increase in XX/XX/XXXX not XX/XX/XXXX. They also stated this occurred since there was no $ $ $ in our Escrow acct. 

Friday, XX/XX/XXXX We moved into our residence on XX/XX/XXXX, we have been paying our mortgage on time and have never been late. It states in the Loan Documents we both signed when we bought our home, in the mortgage disclosure, that we can have the PMI removed after XXXX yrs. of being in our residence from the sale date and when our loan to value reaches 75 %. We currently meet both those requirements ; we are not sure why they will not help us. We are still paying a PMI of {$480.00} on a monthly basis. We called Mr. Cooper on XXXX, XX/XX/XXXX, to check on this PMI but could not talk to a live person, however there was a recorded statement saying, " Your new payment will start in XXXX '' would you like to hear that? We found out through this recording that our new Payment as of XXXX will be going up by yet another {$100.00}. We have NOT gotten anything in writing regarding this " NEW PAYMENT ''. This needs to end, we are basically paying almost {$1000.00} per month in addition for something we should not have to pay. 
We are truly hoping you can help us further, Thank you, B
Product: Checking or savings account

My bank has collected the funds from the banking institution and refuses to release funds based on the agreement that they have 7 days to decide whether they will provide me access to the money. 

The fraud department has refused to confirm with the issuing bank and I have decided to hold funds.
Product: Debt collection

On XX/XX/XXXX. XXXX, I contacted XXXX to open a dispute about items I never received from from a Company called " The Dir Label. '' The item had been in flux for months and was ordered in XXXX of XXXX. At this point I reached out to the business to tell them to cancel the order. 

On XX/XX/XXXX, the company sent the items I asked them to cancel and XXXX responded that the dispute was closed because they provided tracking information. Once the item was received I took it back to the post office to refuse the shipment, sending it back to the business. I provided XXXX this screenshot at the time showing item was in transit back to the business via their portal. 

I also provided them email communications that I had at the time showing I had reached out. 

XXXX never responded to this evidence and on XX/XX/XXXX, still showed that I owed a debt. I reached out again asking them to take a look into this and they asked me to re-provide evidence. The tracking link is no longer affiliated with that shipment as it is in reuse and the I don't have that email thread that I can locate. However again, I provided this information already in their secure portal. The business won't proceed with my old evidence and instead sent me to debt collections.
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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXXk XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WILLFULLY KNOWINGLY FURNISHING AND REPORTING OLD OUT OF DATE SCORES TO CAUSE CONSUMER HIGHER " MORTGAGE '' INTEREST RATE ON NEW LOAN ; 1 ) THE FAILURE TO UPDATE MY FICO MORTGAGE SCORE ; SPECIFICALLY SCORES XXXX & XXXX ; XXXX ) FAILURE TO " ACT '' CONTRIBUTES TO ECONOMIC NEGLIGENCE AND DAMAGES. 

NOTICE : TWO SPECIFIC AGENCIES [ TRANSUNION AND XXXX ] REPORTING OLD OUTDATED FICO MORTGAGE SCORES UNDER XXXX & XXXX ; ARE PUT ON NOTICE THAT THEIR FAILURE TO " ACT '' TIMELY AFTER MULTIPLE REQUEST WILL CAUSE THE CONSUMER TO PAY A HIGHER MORTGAGE LOAN INTEREST RATE. IN COMPARISON XXXX HAS FOLLOWED THE FCRA ; THEY ARE THE EXAMPLE AND THEY HAVE A SCORE [ [ [ XXXX ] ] ] POINTS HIGHER THAN XXXX 'S MORTGAGE SCORE AND TRANSUNION IS [ [ [ XXXX ] ] ] POINTS LOWER THAN XXXX WHICH HAS BEEN THE LEADER IN UP TO DATING MY FICO. THE DOCUMENTED FAILURE TO ACT IN A TIMELY MANNER AFTER MULTIPLE REQUEST IS NEGLIGIBLE UNDER FEDERAL DEPORT LENDING INS INCLUDING BUT NOT LIMITED TO ( TILA ), 15 USC 1601 ET SEQ., AND CONSUMER CREDIT PROTECTION ACT 9PUB.L.90-321 ; REGULATION Z 12 CFR 226.
Product: Credit card

This is on a Best Buy Citi credit card. On XX/XX/year>, my card was charged for XXXX transactions fraudulently. There were XXXX charges of XXXX. I called immediately to report this as fraud. They said they would close it and report it as well as send a new card. They sent a new card out but when I called back XXXX weeks later to tell them the charges were still there, they said no one had reported it. They said to wait 60-90 days. Fast forward to XX/XX/year>, I got a letter in the mail saying they completed the investigation and were removing the charges from my account. I waited an additional week before calling back. The charges were still there so they said they would put in a dispute and that it would be another 45 days. I have called on 4-5 separate occasions. I keep getting calls from them to make my payment. I had a near perfect credit score before this and now it has been tanked. My wife and I are in the process of building a house as well as needing a new vehicle. I cant do either until this is resolved. I am absolutely XXXX because I have done everything right and cant get a person on the line that seems to be from XXXX. They keep putting it off. I just called again today and they said I have to call another number again tomorrow. Please lord XXXX help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX  and XXXX  XXXX XXXX violated my 609 rights by reporting incorrect information to TransUnion regarding my credit profile for others to see. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX  and XXXX  XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted both XXXX and XXXX several times to dispute many duplicate credit inquiries ( 12 total ) from Capital One Auto Finance, Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

XXXX and XXXX are able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative. 

Have also submitted complaints about XXXX and XXXX as well.
Product: Debt collection

The date the account was supposedly open was XX/XX/2020, amount owed to this company is {$1400.00}. I never open an account with this company, I don't do pay day loans and never gave anyone my permission or personal information over the phone or computer to get money. I realized that this company was saying I owed them when I was checking my credit and I know I don't owe them nothing.
Product: Credit reporting or other personal consumer reports

In accordance w/the Fair Credit Reporting Act. The list of accounts below has violated my federally protected cosumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Account Number : XXXX Account for XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account number XXXX XXXX name XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX holder social number Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX ... ... ... ... XXXX XXXX. ..ALL ACCOUNTS ... ... ... ... ... ...... Has viola

ted my rights.

15 U.S.C. 1681 section 604 A. section 2. A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crime which antedates the report by more than XXXX years. 
XXXX XXXX. XXXX XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon studying my Experian credit report, I noticed some unusual accounts being reported on a monthly basis. One that stood out, was a Bankruptcy being reported. I submit a written request to United States Bankruptcy Court listed on my credit report, on there method of verification with major credit bureaus and also a method of verification letter to Experian as well. I received a response by mail in writing from United States Bankruptcy Court stating they do not verify any personal information with any credit bureaus whatsoever and contact the individual credit bureaus for removing the bankruptcy filling. Experian responded with a letter, there method of verification was XXXX on XX/XX/19. My XXXX report has a Security Freeze Confirmation letter dated for XX/XX/19, which states they dont release reports or scores while the freeze is active. I have also included pictures all supporting documents to go along with my complaint
Product: Prepaid card

CashApp hasn't updated me in 2 years about the information I requested. I submitted a dispute about a random charge on my account of around XXXX dollars. They denied my claim and I wanted to see the information on why they denied my claim. Any information about their decision to deny me. I don't think it's fair that companies can just take money from you without giving supporting documentation on why with valid reasons. They even took settlement money that was sent to my account to cover the charges. I even have other charges included in the overall total which is outrageous. Why is my account being charged even if it's still in the negative?
Product: Debt collection

Spring Oaks Capital LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number : XXXX To Whom It May Concern : I am writing to dispute the collection account listed on my credit report that has been placed for collection by your company. I believe this account is not mine and is therefore inaccurate. 

I have previously contacted your company to request validation of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of this debt. Your letter fails to provide sufficient evidence to validate this debt as mine. You have not provided any documentation linking me to the original creditor or any agreement I may have made with them. 

Additionally, I have never received a written notice informing me of my right to dispute this debt as required by the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report lists an address that does not belong to me. I have lived at the same above address for over 20 years. I have never had a post office box. The incorrect address is : XXXX XXXX XXXX, XXXX, NC XXXX. Please delete this post office box address so that it does not show up on my credit report. 
I would also like to have the following 7 companies investigated and deleted from my credit report. Ive never had any accounts with any of these companies and dont know how they ended up on my credit report. 

The 7 companies are : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Please correct the above information for me and mail me a copy of an updated and corrected credit report to the above address.

Ive included a copy of my NCDL, SS card, and a bank statement to prove my identity, as well as my mailing address.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The major Credit bureaus TransUnion, XXXX, and XXXX each stated my account was properly investigated but how is that possible if on multiple accounts inaccuracies and misinformation on the status of the open dates, high credit, my full name, date of birth, months within the term, etc. as per the attached file. These are all grounds for removal as they've violated my rights und

er 15 U.S. code 1681 section 602 A. States I have a right to privacy. 15 U.S. code 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation and while my certified mail tracking # has been displaced, here are my complaint numbers, XXXX and XXXX. 

What originally happened was I checked my credit reports as recent as XXXX of XXXX  and noticed that there was an account by XXXX XXXX with details that were out of place and needed to be changed in order to better reflect on my credit score and consumer report history. I showed not only copies of my report but cited the issues and while my complaint was read it wasn't addressed and removed per the fair resolution I offered. I not only pay to have copies of my credit report from XXXX but to have membership benefits that allow me to see what's on my TransUnion and XXXX reports as well.
Product: Mortgage

I have been trying to complete a short sale with Roundpoint mortgage for over 2 years. They continue to stall and keep asking for more documents. I finally completed all their document requests as of XXXX XXXX. I was told they have a " complete package '' that was submitted to " processing dept ''. I was told they would make a decision in 30 days.. It has been 47 days and they still will not make a decision. I have a cash buyer that will not wait much longer. This is my XXXX cash buyer. All other cash buyers have walked due to the delays from Roundpoint.Their last excuse was the the buyer 's name was not spelled correctly. I feel that I am not being treated fairly and they should not take this long to approve or reject my short sale request.