23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband made our mortgage payment through his credit union on XX/XX/2021. This payment was successfully made and we received a statement from freedom mortgage on XX/XX/XXXX showing that it was applied to the account and all that was owed was for XXXX. Three days later we received a letter on our door saying that the payment was reversed and the account was 30 days past due for the month of XXXX. 

Upon receiving this notice we contacted our credit union as well as freedom mortgage to confirm that the payment was in fact made. We provided statements from not only the credit union but the federal reserve showing that freedom mortgage did in fact receive the funds of {$1800.00}. 

In an ongoing battle for the past four months, weve provided multiple account statements from XXXX to XXXX showing the funds were never reversed. 

Weve spoken to countless representatives whove claimed the research showed a reversed payment and have refused to review the documents provided from the credit union nor the federal reserve. 

In turn, freedom mortgage has refused to research internally where our mortgage funds have been applied to. Weve had to double pay our mortgage payments, took a false late payment hit to our credit and continue to receive no help regarding this issue.
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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Account Name : XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, I received a payroll check and proceeded to deposit it into my USAA checking account via my mobile banking app. I was then given an error message stating I could not do so and that I needed to deposit my check via ATM. I deposited my check via USAA ATM, and I was given a posting date of the same day if made by XXXX or the following business day if made after XXXX which would have been Monday, XX/XX/XXXX. On XX/XX/XXXX I still did not have access to my funds so I called USAA and the representative stated that my funds would be available on XX/XX/XXXX. On XX/XX/XXXX my funds were still not available, so I called back, and the next representative stated that I would now have to wait until Saturday, XX/XX/XXXX, to access my funds. I wasn't even given a reason as to why my funds are being held over the original posting date, despite USAA receiving and clearing the deposit as of Monday, XX/XX/XXXX. Since I deposited my check, I have received NSF/OD fees on my account due to my funds not being available as promised. Due to the fees that were applied, my account is now in the negative, and I have spoken with 5 USAA representatives, but none have provided a solution or any explanation.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Unauthorized Inquiries : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Student loan

Mohela services my loan. Prior to consolidation my loan was in Administrative forbearance under tye SAVE program. Upon consolidation, I requested the loan remain in the SAVE program or another income dependent program. This has not happened.

Also, my loan is not viewable online. I can not review its status on the Mohela website.

Mohela communicates with me via US Mail, but uses an obsolete address, even though my Mohela profile online has the correct address.
Product: Mortgage

My Mortgage company, Mid America Mortgage, has refused to comply with the basic requirements of the CARES Act which allows homeowners facing difficulties because of COVID-19 to get a 180 day forbearance from paying the monthly mortgage premium. It enjoins the mortgage servicing company not to charge any late fees or report the lateness to a credit bureau. It even gives room for a further 180 day extension or any other further assistance. 
When contacted Mid America Mortgage last week, I could not get a representative. When I finally got through this morning, I was advised by a representative, XXXX, that they can only commit to no late fees and credit reporting for the period, but that I must still make a payment during the period. Also, that the entire amount for the 180 days will be due at the end of the 180 days if no payment is made. In addition, she directed me to the website to download and send a Loss Mitigation form with supporting documents in order to secure approval for any forbearance.She used the term, " informal forbearance ''. found that strange and contrary to the CARES Act. It is illegal to have a mortgage servicing company violate an Act of Congress even in this trying period. The palliative offered by the Federal Government is being made impossible by this lender. 
We hereby file this formal complaint against them as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I expect expedited removal of the Fraud Alert on my XXXX, XXXX, and TransUnion Credit Report.
Product: Debt collection

Midland Credit Management has contacted me at work and via my cell phone, both legal, but they call from a number that comes up as Unknown. I verbally told them to stop calling me at work and on my cell phone as I work XXXX hour days and do not have time to speak to them. The woman from Midland Credit Management told me she had not called me at work yet when I told her they could not call me there, she suddenly had the number at her fingertips to remove. My greatest concern at this point is that on their Pre-Legal notification, the Date of Default is listed as XX/XX/XXXX but the date of last payment is XX/XX/XXXX. How can an account be in default if the last payment was made in XXXX. Therefore, I am fully and rightfully disputing their claim that I owe {$4200.00}.
Product: Debt collection

I checked my credit report and I noticed some fraudulent and inaccurate accounts and information on my credit report I reached out to the credit reporting agencies to correct the fraudulent and inaccurate information and they didn't correct the information
Product: Debt collection

Calls made to our home looking for someone who does not live here despite repeated attempts to ask them to stop.
Product: Debt collection

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Product: Debt collection

This was on all three of my credit bureau reports but I disputed it and it was removed from XXXX XXXX and XXXX for reporting falsely However it is still reporting on XXXX. This company is false reporting false information. They dont have my social security number, address or anything because this debt is false and not my debt.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Comenity Bank has continued to call me on a " Restricted '' line that I am unable to block, after having been asked to stop calling me. When I answer, and I do not speak ; they just hang u : p. When I let it roll to voicemail they do not leave a message. They start this process at XXXX XXXX, 7 days a week!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the unresolved issue regarding the inaccurate reporting of late open accounts on my credit report. I am deeply frustrated by the continued presence of these inaccuracies and the lack of resolution. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. I would like to ensure that the late open account is accurately reported on my credit file, reflecting their true status. The Credit Bureaus failed to address this issue promptly that had leave me with no choice but to escalate the matter further, including seeking assistance from you to ensure compliance and protection of my consumer rights. Please help me correct the account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a $XXXX  balance in my overdraft account. On XX/XX/2019 I mailed XXXX the manager of the Valley Bank branch in XXXX, New Jersey my check for $XXXX   which was way more than the monthly minimum! Yet XXXX from the bank has since then called me three (3) times to demand payment!This is harassment! He called this afternoon, XX/XX/2019!
Product: Credit reporting or other personal consumer reports

I am writing to address an account on my credit report that is currently in pending litigation. Given this status, the account is inaccurate and should not be reflected on my credit report.
Product: Student loan

XXXX I emailed Aidvantage to request a refund for payments I made XX/XX/20 through XX/XX/20 as allowed under the CARES act. 

XXXX After not hearing back, I called to an Aidvantage who processed my request for a refund and was told an update on some form, via email, account alert, or new loan balance, would be seen by XXXX. 

XXXX After receiving no notification on status/update I called again and I was told my request had a new target date of updating by XXXX. I received no status update. 

XXXXContacted Aidvantage again when no notification/or update had been made through the companys customer support chat. I Was told my request had already been approved and I would now see an update in 2-10 business days from XX/XX/XXXX. This information conflicts all previous information I was given from Aidvantage over the phone.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Date : XX/XX/year> Subject : Complaint against XXXX XXXX XXXX XXXX  and Denefits LLC Dear Sir/Madam, I am writing to file a formal complaint against 60 Day Credit Repair and their associated debt collection company, Denefits LLC , for unfair and deceptive practices. 

Company Information : 60 Day Credit Repair Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX Denefits LLC  Website : https : //www.denefits.com/ Email : XXXX Details of the Complaint : XXXX. False Promises : I contacted XXXX XXXX XXXX XXXX to help improve my credit score. They promised that my score would increase by XXXX points within 90 days, guaranteed. They charged me {$150.00} per month for their services. 

XXXX. Failure to Deliver : After three months, my credit score had not increased by even XXXX points, far short of their guaranteed XXXX increase. 

XXXX. Lack of Communication : When I attempted to contact XXXX XXXX  XXXX XXXX about the lack of results, I was unable to reach anyone. My phone calls went unanswered. 

XXXX. Unauthorized Debt Collection : Months later, I began receiving emails and text messages from Denefits LLC, claiming that I owed XXXX XXXX XXXX XXXX  {$1500.00}. 

XXXX. Contract Dispute : Upon contacting XXXX XXXX XXXX XXXX, they claimed I was in a contract with them and still liable for the debt, despite their failure to provide the promised services. 

XXXX. Harassment : I am now being harassed daily with emails and text messages from Denefits LLC for a debt related to services that were not provided as promised. 

I believe these actions constitute unfair and deceptive practices. I am requesting that the CFPB investigate both XXXX XXXX XXXX XXXX and Denefits LLC for their business practices, including : XXXX. Making false guarantees about credit score improvements XXXX. Charging for services not rendered XXXX. Failing to communicate with customers XXXX. Pursuing debt collection for services not provided XXXX. Harassing consumers through repeated contact I have informed XXXX XXXX XXXX XXXX  that I am filing this complaint with the CFPB. I am seeking a resolution that includes : XXXX. Cancellation of the alleged {$1500.00} debt XXXX. Refund of the fees I paid for services not rendered XXXX. Cessation of all debt collection activities related to this matter XXXX. Any other appropriate actions to prevent these companies from engaging in similar practices with other consumers Thank you for your attention to this matter. I look forward to your response and any guidance you can provide in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX. XXXX. 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts listed are closed with no amounts or Account number XXXX with a balance of {$0.00} and there's a duplicate with the same alleged owed amount of {$0.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Payday loan, title loan, or personal loan

I recieved a PREAPPROVED letter inviting me to apply for a loan with a " code '' on it to " verify '' it was me applying for the loan. I applied for this with the assumption that I had been PREAPPROVED as indicated by the letter. As it turns out, I was denied and now I have a ding on my credit report. How is this allowed?
Product: Credit reporting

There is a public record on my credit report being displayed as tax lien. This is being displayed inaccurately. I was on unemployment and there was a wage garnishment placed to repay some of the funds i was allotted. Also the public record was placed more than 7 years ago and should be removed from my credit report. This is negatively impacting my credit report and is being inaccurately reported by the XXXX major credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Inquiries : XX/XX/XXXX
Product: Mortgage

My name is XXXX XXXX I'm a member of XXXX  and i was a victim of XXXX XXXX. they stole {$48000.00} from my loan that they took out under my name. they are a threat to society and should be regulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having trouble getting in touch with the credit bureau to have the fraud alert removed from my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to permanently delete the negatives items on my report that are paid. Details and proof is in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letter to XXXX about requiring investigation in XXXX  XXXX XXXX Ag XXXX XXXX XXXX XXXX, IL XXXX for over six months. They keep saying debt was verfied but when I reach out to XXXX XXXX I never hear back from them. The last statement stated that account was updated on XX/XX/XXXX but I attempted to verfie on XX/XX/XXXX, to Both XXXX XXXX an XXXX this could no be true.
Product: Credit card

I called Bank of America to ask for help. I wanted to get a lower interest rate on my Bank of America Rewards card because I 'm in financial distress, my credit score is good and I 've never missed a payment. After I explained my situation to their representatives and to XXXX supervisor, they said they ca n't help me. There 's nothing they could do to help me. I find it so unbelievable because I 've heard there 's always help out there, but for me there 's none! I explained to them that I was " thinking '' on closing the account. To my surprised I checked my XXXX credit report today and is showing Bank of America Credit Card Account CLOSED BY CONSUMER. This makes me so sad because instead of helping me they closed the account.
Product: Checking or savings account

On XX/XX/XXXX I received two hard copy letters from XXXX XXXX XXXX XXXXXXXX telling me that I have closed two accounts. It was a red flag because I never had any accounts there. After calling them they took information and asked me to file a police report and wait for the outcome of how someone opened accounts using my identity. They then instructed me to check for unusual activities on any of my bank accounts and that's when I found out that on XX/XX/XXXX, XXXX electronic transactions adding up to {$29000.00} were made on my online Discover Bank account, and they were all transfers made to XXXX XXXX all on the same day without any alerts or email confirmation received by me. I had opened that account in XXXX of XXXX and never made any withdraws, they allowed XXXX withdraws without questioning it, not a phone call, email or text was ever sent and I would had never known if it wasn't for the two letter received by XXXX XXXX XXXX. I am still waiting on the outcome and meanwhile I am left without the money I needed to pay for my son 's college tuition due now. XXXX XXXX allowed someone to open accounts under my name and Discover Bank never stoped 9 very large withdraws nor alerted me. two large bank with very poor security in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the Experian MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Credit card or prepaid card

Hello there was 2 accounts opened in my name American Express and XXXX XXXX XXXXXXXX XXXX. 
The account for American Express was closed on XX/XX/XXXX by the company but on my report it shows closed instead of removed completely same thing with the chimefin/stride bank it was closed on XX/XX/XXXX but show closed on my report and not removed.Due to the fact of them beening closed and not fully removed i lost 114 points on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act and XXXX XXXX XXXX XXXX has violated my rights. 

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