23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX XXXX My SS is XXXX My phone : XXXX Please remove all other variations of my personal information. 

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following XXXX Accounts below have violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account Name Account Number 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Student loan

Dear Consumer Financial Protection Bureau, I am filing this complaint to address ongoing and unresolved issues with my loan servicer, MOHELA, regarding the mismanagement of my federal student loans and inaccurate interest accrual under the SAVE plan. Despite filing previous complaints about similar issues, which were closed without resolution, the problems persist, causing significant financial harm. 

MOHELA placed my loans into administrative forbearance, citing ongoing litigation related to the SAVE plan. They explicitly stated that no interest would accrue during this period. However, I recently received an email from MOHELA stating that I am responsible for interest accrual, which directly contradicts the information provided on studentaid.gov. 

Upon reviewing my account on MOHELAs website, I discovered an additional {$4600.00} in interest charges. This is on top of the interest improperly added to my account previously, which was the subject of an earlier complaint to the CFPB. That complaint was closed without addressing the fundamental issue, and MOHELA continues to apply these unlawful charges. 

Furthermore, my loan balance has increased from {$240000.00} to {$250000.00} despite my active participation in the SAVE plan, and despite my submission of recertification paperwork on XX/XX/year>, for which I have yet to receive a response from MOHELA.
Product: Mortgage

in 2000 I financed XXXX acres and a manufactured home @ 9+ % interest rate. I was informed that after 5 years i could refinance. My mortgage company has changed hands several times, selling my contract to an investment group. I have tried several times to refinance. The investment group will not let me refinance with XXXX. XXXXGreentree/Ditect I feel like the are keeping me from refinacing, my hands are tied!! Please HELP ME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by a collection agency by the name of XXXX back in XXXX of XXXX stating that I owed a past due amount of {$1300.00} for a debt. I wasn't aware of any past due debt however to avoid any negative marks on my credit report, I agreed to set up a payment arrangement of {$220.00} for the months of XX/XX/XXXX through XX/XX/XXXX and one final payment of {$220.00} for the month of XXXX in XXXX. XXXX stated over the phone, that if I made all of the payments on time that the debt would not report on my credit bureau. Recently, on XX/XX/XXXX I applied for a home loan and I saw that the only negative item reporting was by the name of XXXX XXXX reporting with a similar amount and status showing as PAID, CLOSED, {$1300.00} WRITTEN OFF. This account was listed only on my Experian credit report. I disputed the item with Experian over the phone and they sent me a response and a new report on XXXX with the XXXX XXXX item still listed and that the outcome was that the item will remain and that XXXX certified to Experian that the information listed on my report is accurate and that it will remain on the report. I have record from my monthly bank statements that I paid XXXX collection agency for the total amount due of {$1300.00}, however XXXX XXXX is reporting this debt. Not only is XXXX reporting this debt and shouldn't be, but they are not reporting any original creditor, their telephone number, dates of status and the status info can not possibly be correct either.
Product: Checking or savings account

XXXX. I've kept two online saving accounts in HSBC for over ten years, but recently, I could not log in to internet banking, so those were dormant. On XX/XX/XXXX, I reactivated one, but the other account was already closed by HSBC. 
XXXX. I did live chat several times ( From XXXX to XXXX ), and they said it was closed in XXXX by the abandoned property. And I heard the valance was zero during the last three months before the closing. 
XXXX. HSBC emailed me about the e-statement until XX/XX/XXXX ( See the attached file ). Even though they have my email address, they did not notify me about the closing. Furthermore, I did not make the valance zero. ( On XX/XX/XXXX, the valence was XXXX dollars ). 
XXXX. As agents recommended, I called the abandoned property, one who received the call said they do not have my closed account. That call was made on On XX/XX/XXXX XXXX AM ( in XXXX, That is XX/XX/XXXX XXXX PM in New York ). ( Actually, the abandoned property hardly answered, never called back. ) I called the phone banking team, but they repeated that the account was closed and went to the abandoned property. 
XXXX. I left the message to XXXX @ XXXX on XX/XX/XXXX, one agent submitted an official complaint about my case, and he gave the complaint ID. The other agent tried to connect me to the abandoned property through the phone, but they did not respond for over 10 minutes. And the call was terminated. The agent called back and said she would look at it.
Product: Student loan

I have had numerous issues with University Accounting Service ( UAS ) related to them losing my checks or allocating the checks to the wrong months and thus leading to late fees and delinquencies on my credit report. Below are the specific details : - In XXXX and XX/XX/XXXX, two checks that I sent via my bank were lost by UAS or allocated to the wrong account by UAS resulting in late fees and a drop in my credit score. I repeatedly email and called UAS in XX/XX/XXXX and again in XX/XX/XXXX to resolve this issue. I even sent them copies of the cleared checks. 

- In XXXX or XX/XX/XXXX ( it is unclear from their website and with repeated discussions via phone ), another check was lost or allocated to the wrong account. They acknowledged that it was an error from the accounting department. 

- I send an electronic check via my bank account monthly 4-6 days before the due date on the first of every month. Despite, not making any changes in their recurrent payments, the check that was sent on XX/XX/XXXX to pay for the XX/XX/XXXX due date was instead allocated to XXXX. This caused a late payment for XX/XX/XXXX and no deduction of the amount that I already paid for XX/XX/XXXX. 

These are recurring issues with UAS. I have spent over 3 hours total with customer service. They are inept with understanding the issue, demand that I pay on the 1st of  the month rather than 5 days earlier. The amount that I owe nor that amounts that I have already paid are not clear on their website. This makes tracking my payments difficult and I do not trust that their calculation of how much I still owe.
Product: Mortgage

Hi, I have a Mortgage with Bank of America, during the market crash we tried to refinance using the making homes affordably program. bank of America lost our payments and application information many times ( at least 7 ) and said it was not submitted either in time or not at all. depending on who i contacted at the time this information was incorrect and they did show the payments and all the submissions we sent and were read back to me and confirmed to be there by Bank of America employees. 

This lead to foreclosure starting and many legal fees for me to try and fight it, I final received a preditary modification with rely bad terms, it also included all the cost that Bank of America caused, these were added on the end of the loan as a {$300000.00} balloon payment, I had no choice but to sign it or loose my house. 

I asking help getting these cost removed and get the better rate as we originally applied for as these costs were not my fault and Bank of America will not accept responsibility for them, i do have all the payment information and the applications and transactions with Bank of America but there is a lot and it fills at least one bookcase due to all the re-submissions and re-applications, I did make temporary payments on two applications that they said one was not the correct amount even though the agent confirmed the amount with my Wife and I, the other they said did not qualify due to the house value that was later revised and confirmed they had made a mistake. they said once it was closed nothing further could be done with it. 

The only way I got them to do the current modification was to use a very rich investor friend to threaten that he would remove all of his investments if the did not do something, I got a call from the vice president of Bank of America stating they would only provide the preditory modification due to his request. 

Please help i do not know what else I can do as the Bank has done nothing but lie about processing my making home affordably application
Product: Mortgage

I would like to file a complaint against TD Bank. My loan was set to close on XXXX XXXX 2015 with a closing date of XXXX XXXX 2015. I have been requesting a copy of the final TILA or final HUD since XXXX XXXX the closing attorney stated she has still not recieved the information from the lender ( TD Bank XXXX. I have sent emails to the processor as well as have called and left voicemails for XXXX different peoplein the processing department at TD Bank. The local branch office of TD Bank has also been emailing the processor in attempt to receive the Final TILA or HUD to no avail. I have been asking for these documents because I do not know how exactly much the closing cost are going to be nor do i know exactly how much the monthly payment is. This is just absurd!
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular debt collection agency XXXX MIDLAND CREDIT MANAGEMENT ) is reporting fraudulent information to the credit bureaus. I have asked for particular documents relating to the fraudulent account. The following information I've asked for and never received are as follows : 1 ) THE ORIGINAL CONTRACT 2 ) THE PAY OFF DISCLOSURE 3 ) THE INTEREST RATE DISCLOSURE 4 ) THE BALANCE HISTORY 5 ) THE PAYMENT HISTORY 6 ) THE CREDIT INSURANCE 7 ) MY WET SIGNATURE I have contacted the agency twice. The first time I was told that the information was mailed out, but it was sent to an address that I've never lived ( fraudulent address ) .So I gave the agency my actual address and noted that the account on file is fraudulent. They said they were going to do an investigation and they would also send the documents that I requested. They mailed me the investigation results, but NO DOCUMENTS. The second time I called, I asked for the documents again. The agency said they would mail out the documents, and that it would take 7-10 days for me to receive them. It has been over 30 days during this process and I still haven't received what I have asked for.
Product: Credit reporting

Disputed a case originating from a XXXX credit card with Experian, XXXX. XXXX refused to give me information about the account, because it had been transferred to collections. Collections would only send me verification of the debt if I provided them with a utility bill, which I do not have because I live with family. I have never been sent a notice of this debt and nobody will send me anything in writing proving that it is mine, or even telling what account it 's relating to. I was under the impression that all balances with XXXX were paid in full, and do not know where this balance came from. I was also under the impression federal law required the collection company to verify the debt with me when I requested it in writing, which they have also failed to do. 

I disputed the case with the bureaus stating this. They simply mailed a notice saying " The collection agency has verified the debt. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, account XXXX XXXX XXXX acct # XXXX, Dept of EdXXXX account XXXX XXXX, Dept of Ed/XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX Dept of Ed/XXXX  account XXXX XXXX , violated my rights 15 U.S.C. 1681 Section 602 A states I have a 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 written instructions.
Product: Debt collection

ID Theft was used to open a fraudulent account with XXXX XXXX. the person paid for awhile then stopped, so XXXX XXXX turned it over to Amsher Collection Services. I provided all the required paperwork ( police report, FTC affidavit, etc ) to XXXX XXXX to verify it was not me ( especially since the TV service was in a state I have never lived in! ). XXXX XXXX provided me a letter stating their investigation confirms I am not responsible for the account. When I filed a dispute with XXXX five months later ( since Amsher STILL had not removed the item ), even supplying the credit bureau with a copy of the XXXX letter stating I was not liable for the account. Amsher Collection Services refused to remove the item from my credit report and will not change it. It makes no sense. The company that turned the debt over to Amsher Collection Services admits the account was set up fraudulently, but yet Amsher Collection Services refuses to remove it from my credit report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of changed and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for a claim in 2020 for my XXXX and I received one payment from XXXX and the rest was stolen bank of america failed to protect my account I called up bank of america and I have called up bank of america and explained to them what was going on that I was not getting my deposits and I would call them and explaine to them what was going on and they wouldn't do nothing about it they kept sending cards to someone and they kept taking my money I got one check and that was it and I have files claim after claim and bank of america puts that they payed the claim and then writes the claims off and the are not repaying the money stolen out of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to you all about some things on my credit that I have no earthly idea about. I finally need to go and a new car and was denied because of this stuff on my credit thats not mine. I have reach out to the FTC and local police and seems nothing can get done. Please remove from mycredit XXXX XXXX and XXXX XXXX. And there are some inquiries that I dont know about XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX AND XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Innovis report from XX/XX/XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) after identifying the items below as information that resulted from identity theft and providing the required documentation, Innovis should block and remove these items no later than 4 business days after receiving the required information. Innovis continues to violate my rights by reporting this information. I have attached appropriate proof of the identity, a copy of an identity theft report, the identification of such information related to the identity theft, and a statement by me, the consumer, that the information is not information relating to any transaction by me. Delete and block this information according to FCRA 605B ( 15 U.S.C. 1681c-2 ). By continuing to report this information on my credit, Innovis is violating my consumer rights under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Below are the accounts that STILL NEED TO BE BLOCKED AND DELETED per FCRA 605B ( 15 U.S.C. 1681c-2 ) : 1. XXXXXXXX Home Equity Line Of Credit  with account # XXXX XXXX  opened on XX/XX/XXXX and a balance of {$97000.00}. 
XXXX. XXXX XXXX XXXX XXXX Auto Loan with account # ... XXXX opened on XX/XX/XXXX and a balance of {$36000.00}. 
XXXX. XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
XXXX. XXXX XXXX Credit Card with account # XXXXXXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 
XXXX. XXXXXXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5000.00}. 
XXXX. XXXX XXXX XXXX Individual Real Estate Mortgage with account # XXXX XXXX  opened on XX/XX/XXXX and a balance of {$560000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account reported by XXXX XXXX XXXX was disputed in XXXX of 2020. The reported debt was unable to be substantiated and the account was deleted from TransUnion, XXXX  and XXXX  reports. XXXX  deleted the report XX/XX/2020, TransUnion deleted the account XX/XX/2020. FOUR MONTHS go by and all of a sudden I receive three consecutive emails from XXXX  stating that a dispute that I filed on XX/XX/2020 had been Opened, Investigated and being Updated. I DID NOT open a dispute on this account from XXXX XXXX XXXX in XXXX of XX/XX/2020. This account was no longer on my credit report as of XX/XX/2020. Why would I open a dispute on an account that was not even on my credit report?? That hardly makes sense. So, my issue is two-fold. WHO opened this dispute under MY NAME as if they are representing me? That seems pretty fraudulent. In addition, I sent TransUnion and XXXX  letters reporting this account had now been re-inserted onto my profile and my concern regarding this dispute being opened, disputed and updated as if it were initiated by me? I also requested TransUnion and XXXX  send me the information pertaining to this account that has allowed them to certify that this account has been verified, as is my right to know what is being reported. ANYONE CAN SEND YOU AN INVOICE STATING YOU OWE THEM MONEY. SOMEONE, SOMEWHERE HAS TO PROVIDE PROOF. TransUnion and XXXX  responded by sending a dispute update simply stating the account was certified as verified, No additional information to substantiate the reported debt, AGAIN. I sent XXXX XXXX XXXX  a request for validation as well and have yet to receive a response by them, that was in XX/XX/2020. It absolutely baffles me that these consumer protectors have very little regard to actually protecting the consumers and that TransUnion and XXXX  blatantly and repeatedly violate regulations set forth by the FCRA. Besides the violations and possible fraudulent misrepresentation from XXXX  mentioned above, XXXX  is reporting the account information incorrectly anyways. At what point will XXXX  be held accountable for their violations and the destruction they continue to do to my credit with such erroneous reporting? The inaccurate reporting by TransUnion and XXXX   is preventing me, a single mother with a single income household, from obtaining credit and has directly caused me to be unable to purchase a home for my children and myself. When is it that XXXX  will be held accountable for their negligent and Fraudulent activity? I have contacted lawyers and there are several offers for representation specifically due to the repeated, multiple violations in their reporting and their negligence in correcting their errors and continuing to cause damage after being informed XXXX multiple times XXXX of the errors in which they are reporting.
Product: Credit card or prepaid card

It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit score from my XXXX XXXX credit card. It had dropped by XXXX points. I had a red alert. Someone used my credit report for a credit card through XXXX XXXXXXXX XXXX on XX/XX/XXXX oy 2022. It wasnt me. I called XXXX XXXX XXXX and they said yes, someone had used my credit report for a credit check. They canceled it on the spot. They said the credit card didnt go through. I would like to get this taken off my credit report. I have perfect credit. 
It had went on my TransUnion report. XXXX XXXX XXXX  I contacted was as follows. XXXX XXXX XXXX XXXX XXXX XXXX SD, XXXX. XXXX I would like for this to be taken care of. Thank You!